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.

📡 Source on GitHub

18.3/100 emerging ▬ flat Agent 5/100 agent aware library Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

1 APIs

Company Payments Fintech Trade-In Checkout CommercePay Over Time

Kin Score

Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0

Composite quality — 18.3/100 · 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 5.8 / 9

Regulatory Posture 4.0 / 15

Agent readiness — 5/100 · 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

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

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.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

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/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. 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. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

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...

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Tiptop Authentication

apiKey · 2 schemes

SECURITY

Tiptop Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

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

X-MCPServerCandidate

X-MCPServerCandidate

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
deliveryModel:
  model: library
  open_source: false
  commercial: false
  callable_host: false
  label: Library · distributed through package registries, no callable service
  confidence: low
  source:
  - none
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  - security
  - sandbox
  generated: '2026-09-03'
  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: X-MCPServerCandidate
  url: mcp/tiptop-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- 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

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