Tienda Pago

Tienda Pago is a fintech lender providing working capital and short-term inventory financing to small retailers - bodegas, convenience stores, bars and restaurants - across Mexico and Peru. Operating as a non-regulated financial entity (SOFOM E.N.R.), it offers three core products: LanaYa instant cash deposits, buy-now-pay-later 7-day terms for buying inventory from distributors, and no-upfront-cash mobile phone top-up (recargas). The platform reports serving over 80,000 businesses and more than 18 million families through mobile apps and a web onboarding portal. It is backed by QED Investors. No public API, developer portal, or SDK surface has been identified.

Tienda Pago is profiled on the APIs.io network. Tagged areas include Company, Lending, Fintech, Payments, and Working Capital.

Tienda Pago’s developer surface includes signup flow and 4 more developer resources.

🌐 Visit website 📡 Source on GitHub

7.2/100 minimal ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-08-21 · rubric v0.12.0

0 APIs

Company Lending Fintech Payments Working Capital Buy Now Pay Later Mexico Peru Small Business

Kin Score

Kin Score How this is scored →
scored 2026-08-21 · rubric v0.12.0

Composite quality — 7.2/100 · minimal

Contract Quality 0.0 / 21

Developer Ergonomics 0.0 / 17

Access Clarity 4.0 / 17

Operational Transparency 0.0 / 11

Contract Governance 0.0 / 10

Discoverability 4.3 / 9

Regulatory Posture 2.3 / 15

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Regulatory Posture applies to this provider. Its tags matched the Payments regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/tienda-pago: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Get Started 1

Portal, sign-up, and the first successful call

SignUp

SignUp

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Commercial 2

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

TermsOfService

TermsOfService

Company 1

The organization behind the API

Website

Website

Source (apis.yml)

aid: tienda-pago
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/tienda-pago.png
name: Tienda Pago
description: 'Tienda Pago is a fintech lender providing working capital and short-term inventory financing to small retailers
  - bodegas, convenience stores, bars and restaurants - across Mexico and Peru. Operating as a non-regulated financial entity
  (SOFOM E.N.R.), it offers three core products: LanaYa instant cash deposits, buy-now-pay-later 7-day terms for buying inventory
  from distributors, and no-upfront-cash mobile phone top-up (recargas). The platform reports serving over 80,000 businesses
  and more than 18 million families through mobile apps and a web onboarding portal. It is backed by QED Investors. No public
  API, developer portal, or SDK surface has been identified.'
url: https://raw.githubusercontent.com/api-evangelist/tienda-pago/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- qed-investors
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-21'
tags:
- Company
- Lending
- Fintech
- Payments
- Working Capital
- Buy Now Pay Later
- Mexico
- Peru
- Small Business
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: DomainSecurity
  url: security/tienda-pago-domain-security.yml
- type: Website
  url: https://tiendapago.com
- type: SignUp
  url: https://onboarding.tiendapago.net/es-MX/auth
- type: PrivacyPolicy
  url: https://tiendapago.com/es-MX/privacy
- type: TermsOfService
  url: https://tiendapago.com/es-MX/contract
x-enrichment:
  date: '2026-07-21'
  status: minimal
  artifacts_added: 1
  pass: local-v1

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