Tiptop

Tiptop (Tiptop Labs) is the payments company founded by Postmates co-founder Bastian Lehmann that lets shoppers trade in items they already own for instant credit at checkout, alongside pay-over-time options. Merchants integrate through a Shopify payments app, a Salesforce Commerce Cloud cartridge, a Magento 2 module, or the Direct API — the tiptop.js browser library plus server-side order-management endpoints (capture, void, refund) authenticated with an api-key header. Backed by a16z ($23M Series A, 2022). Note: as of July 2026 tiptop.com redirects to mother.ai (Mother Computer Inc.) and its TLS certificate has expired, while docs.tiptop.com, api.tiptop.com, cdn.tiptop.com, and the first-party packages remain live.

Tiptop publishes 1 API on the APIs.io network. Tagged areas include Company, Payments, Fintech, Trade-In, and Checkout.

Tiptop’s developer surface includes documentation, getting-started guide, API reference, engineering blog, authentication, sandbox, and 12 more developer resources.

🌐 Visit website 📡 Source on GitHub

19.0/100 emerging ▬ flat Agent 12/100 agent aware Full breakdown ↓
scored 2026-08-20 · rubric v0.12.0

AccessSelf serve

1 APIs 1 MCP Servers

Company Payments Fintech Trade-In Checkout CommercePay Over Time

Kin Score

Kin Score How this is scored →
scored 2026-08-20 · rubric v0.12.0

Composite quality — 19.0/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 9.7 / 17

Access Clarity 0.0 / 17

Operational Transparency 0.3 / 11

Contract Governance 0.5 / 10

Discoverability 6.5 / 9

Regulatory Posture 4.0 / 15

Agent readiness — 12/100 · agent aware

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 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/tiptop: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 1

Individual APIs this provider publishes, each with its own machine-readable definition.

Tiptop Direct Order Management API

Server-side order-management endpoints for the Tiptop Direct integration: request capture, void (full or partial), and refund (full or partial) of orders created through the tip...

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

Get Started 2

Portal, sign-up, and the first successful call

GettingStarted

GettingStarted

Sandbox

Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

MCPServer

MCPServer

LLMsTxt

LLMsTxt

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

Components

Conventions

ErrorCatalog

Lifecycle

Conformance

DataModel

Build 3

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Packages

Packages

SDKs

SDKs

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

Company 1

The organization behind the API

Blog

Blog

Source (apis.yml)

aid: tiptop
name: Tiptop
description: 'Tiptop (Tiptop Labs) is the payments company founded by Postmates co-founder Bastian Lehmann that lets shoppers
  trade in items they already own for instant credit at checkout, alongside pay-over-time options. Merchants integrate through
  a Shopify payments app, a Salesforce Commerce Cloud cartridge, a Magento 2 module, or the Direct API — the tiptop.js browser
  library plus server-side order-management endpoints (capture, void, refund) authenticated with an api-key header. Backed
  by a16z ($23M Series A, 2022). Note: as of July 2026 tiptop.com redirects to mother.ai (Mother Computer Inc.) and its TLS
  certificate has expired, while docs.tiptop.com, api.tiptop.com, cdn.tiptop.com, and the first-party packages remain live.'
url: https://raw.githubusercontent.com/api-evangelist/tiptop/refs/heads/main/apis.yml
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://raw.githubusercontent.com/tiptopxyz/magento/master/view/adminhtml/web/images/tiptop-logo.svg
x-type: company
x-source: vc-portfolio
x-backed-by:
- a16z
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-21'
tags:
- Company
- Payments
- Fintech
- Trade-In
- Checkout
- Commerce
- Pay Over Time
tags_raw:
- Company
- Payments
- FinTech
- Trade-In
- Checkout
- Commerce
- Pay Over Time
apis:
- name: Tiptop Direct Order Management API
  description: 'Server-side order-management endpoints for the Tiptop Direct integration: request capture, void (full or partial),
    and refund (full or partial) of orders created through the tiptop.js checkout, addressed by the partner-generated orderID.
    JSON over HTTPS with an api-key header; versioned under /v1/; staging host api-stage.tiptop.com.'
  humanURL: https://docs.tiptop.com/direct/how-it-works/
  baseURL: https://api.tiptop.com
  tags:
  - Payments
  - Order
  - Refunds
  tags_raw:
  - Payments
  - Orders
  - Refunds
  properties:
  - type: Documentation
    url: https://docs.tiptop.com/direct/how-it-works/
  - type: APIReference
    url: https://docs.tiptop.com/direct/order-management-apis/capture/
common:
- type: DomainSecurity
  url: security/tiptop-domain-security.yml
- type: Documentation
  url: https://docs.tiptop.com/
- type: GettingStarted
  url: https://docs.tiptop.com/direct/get-started/
- type: APIReference
  url: https://docs.tiptop.com/direct/order-management-apis/capture/
- type: GitHubOrganization
  url: https://github.com/tiptopxyz
- type: Blog
  url: https://blog.tiptop.xyz/
- type: Packages
  url: packages/tiptop-packages.yml
- type: SDKs
  url: packages/tiptop-packages.yml
- type: Components
  url: components/tiptop-components.yml
- type: Authentication
  url: authentication/tiptop-authentication.yml
- type: Sandbox
  url: sandbox/tiptop-sandbox.yml
- type: Conventions
  url: conventions/tiptop-conventions.yml
- type: ErrorCatalog
  url: errors/tiptop-problem-types.yml
- type: Lifecycle
  url: lifecycle/tiptop-lifecycle.yml
- type: Conformance
  url: conformance/tiptop-conformance.yml
- type: DataModel
  url: data-model/tiptop-data-model.yml
- type: MCPServer
  url: mcp/tiptop-mcp.yml
- type: LLMsTxt
  url: llms/tiptop-llms.txt
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
x-enrichment:
  date: '2026-07-21'
  status: enriched
  artifacts_added: 13
  pass: local-v1