# Tiptop

**Canonical:** https://apis.io/providers/tiptop/  
**APIs profiled:** 1

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.

## Kin Score — 19.0 / 100 (emerging)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 19.0).

| Facet | Score |
|---|---|
| Discoverability | 75.9 |
| Contract Quality | 0.0 |
| Governance | 4.5 |
| Contract Governance | 4.5 |
| Operational Transparency | 2.6 |
| Developer Ergonomics | 57.1 |
| Commercial Clarity | 0.0 |
| Access Clarity | 0.0 |

Regulatory layer — **Payments**: 26.6 (matched via tags).

## Agent readiness — 12.0 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | documented |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (1)

- **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)

- **Tiptop MCP Server** — No official Tiptop MCP server was found (none in the docs, the tiptopxyz GitHub org, npm, or the MCP registries). This is a candidate tool list derived from the three documented...

## Security (2)

- **Tiptop Authentication** — apiKey · 2 schemes
- **Tiptop Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Company, Payments, Fintech, Trade-In, Checkout, Commerce, Pay Over Time

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/tiptop/). Scores are computed from the provider's own public artifacts under a published rubric.