Upgrade

Upgrade is a San Francisco-based consumer fintech offering personal loans, the Upgrade Card, Rewards Checking, savings accounts, and Flex Pay — the buy now, pay later platform formerly known as Uplift, serving travel and retail merchants in the US and Canada. Upgrade is a financial technology company, not a bank; products are offered through bank partners. Its developer surface is the Flex Pay partner platform: OAuth 2.0-secured Marketing Offers, Checkout Orders, and Transactions REST APIs, an embeddable up.js checkout with the up-from-pricing web component, and iOS/Android SDKs, documented at docs.uplift.com.

Upgrade publishes 3 APIs on the APIs.io network: Marketing Offers API, Orders API, and Transactions API. Tagged areas include Company, Fintech, Lending, Buy Now Pay Later, and Payments.

Upgrade’s developer surface includes documentation, API reference, getting-started guide, support, authentication, sandbox, and 23 more developer resources.

🌐 Visit website 📡 Source on GitHub
57.1/100 developing ▬ flat Agent 60/100 agent ready Full breakdown ↓
scored 2026-07-27 · rubric v0.5
AccessSelf serve
3 APIs 1 MCP Servers
CompanyFintechLendingBuy Now Pay LaterPaymentsCredit CardsBankingTravel

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 57.1/100 · developing
Contract Quality 14.3 / 25
Developer Ergonomics 15.7 / 20
Commercial Clarity 10.0 / 20
Operational Transparency 3.4 / 13
Governance 0.0 / 12
Discoverability 10.0 / 10
Agent readiness — 60/100 · agent ready
Machine-Readable Contract 18 / 18
Agentic Access Contract 0 / 15
MCP Server 12 / 12
Machine-Readable Auth 10 / 10
Idempotency 9 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 5 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
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/upgrade: 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 3

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

Upgrade Marketing Offers API

Marketing Offers API

Upgrade Orders API

Checkout Orders API

Upgrade Transactions API

Transactions API (Direct Settle disbursement)

MCP Servers 1

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

upgrade-mcp.yml

MCP SERVER

Security Posture 4

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

Upgrade Authentication

oauth2 · 1 scheme

SECURITY

Upgrade Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Upgrade Vulnerability Disclosure

Hackerone · contact published

SECURITY

Upgrade Trust Center

SOC 2, ISO 27001

SECURITY

Resources

Get Started 4

Portal, sign-up, and the first successful call

DeveloperPortal
DeveloperPortal
 GettingStarted
GettingStarted
 Sandbox
Sandbox
 Login
Login

Documentation 2

Reference material describing how the API behaves

Documentation
Documentation
 APIReference
APIReference

Agent Surfaces 3

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt
LLMsTxt
 MCPServer
MCPServer
 AgentSkill
AgentSkill

Design & Contract 7

Pagination, idempotency, versioning, errors, and events

ErrorCatalog
ErrorCatalog
 Conventions
Conventions
 Idempotency
Idempotency
 Conformance
Conformance
 Components
Components
 DataModel
DataModel
 Lifecycle
Lifecycle

Scroll for all 7

Build 2

SDKs, sample code, and the tooling you integrate with

Packages
Packages
 SDKs
SDKs

Access & Security 6

Authentication, authorization, and security posture

TrustCenter
TrustCenter
 Compliance
Compliance
 DomainSecurity
DomainSecurity
 Authentication
Authentication
 VulnerabilityDisclosure
VulnerabilityDisclosure
 Security
Security

Operate 2

Status, limits, changes, and where to get help

Support
Support
 StatusPage
StatusPage

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService
TermsOfService
 PrivacyPolicy
PrivacyPolicy

Company 1

The organization behind the API

Website
Website

Source (apis.yml)

apis.yml Raw ↑ 
aid: upgrade
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://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/upgrade.png
name: Upgrade
description: 'Upgrade is a San Francisco-based consumer fintech offering personal loans, the Upgrade Card, Rewards Checking,
  savings accounts, and Flex Pay — the buy now, pay later platform formerly known as Uplift, serving travel and retail merchants
  in the US and Canada. Upgrade is a financial technology company, not a bank; products are offered through bank partners.
  Its developer surface is the Flex Pay partner platform: OAuth 2.0-secured Marketing Offers, Checkout Orders, and Transactions
  REST APIs, an embeddable up.js checkout with the up-from-pricing web component, and iOS/Android SDKs, documented at docs.uplift.com.'
url: https://raw.githubusercontent.com/api-evangelist/upgrade/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- ribbit-capital
- union-square-ventures
x-tier: enriched
x-tier-reason: flex-pay-partner-api
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-21'
tags:
- Company
- Fintech
- Lending
- Buy Now Pay Later
- Payments
- Credit Cards
- Banking
- Travel
apis:
- aid: upgrade:upgrade-marketing-offers-api
  name: Upgrade Marketing Offers API
  description: Marketing Offers API
  humanURL: https://docs.uplift.com/apidocs
  baseURL: https://partner.upgrade.com/api/flexpay
  tags:
  - Marketing Offers
  properties:
  - type: OpenAPI
    url: openapi/upgrade-marketing-offers-api-openapi.yml
  - type: Documentation
    url: https://docs.uplift.com/apidocs
- aid: upgrade:upgrade-orders-api
  name: Upgrade Orders API
  description: Checkout Orders API
  humanURL: https://docs.uplift.com/apidocs
  baseURL: https://partner.upgrade.com/api/flexpay
  tags:
  - Orders
  properties:
  - type: OpenAPI
    url: openapi/upgrade-orders-api-openapi.yml
  - type: Documentation
    url: https://docs.uplift.com/apidocs
- aid: upgrade:upgrade-transactions-api
  name: Upgrade Transactions API
  description: Transactions API (Direct Settle disbursement)
  humanURL: https://docs.uplift.com/apidocs
  baseURL: https://partner.upgrade.com/api/flexpay
  tags:
  - Transactions
  properties:
  - type: OpenAPI
    url: openapi/upgrade-transactions-api-openapi.yml
  - type: Documentation
    url: https://docs.uplift.com/apidocs
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: TrustCenter
  url: security/upgrade-trust-center.yml
- type: Compliance
  url: https://trust.upgrade.com/
- type: DomainSecurity
  url: security/upgrade-domain-security.yml
- type: Website
  url: https://www.upgrade.com
- type: DeveloperPortal
  url: https://docs.uplift.com/
- type: Documentation
  url: https://docs.uplift.com/docs
- type: APIReference
  url: https://docs.uplift.com/apidocs
- type: GettingStarted
  url: https://docs.uplift.com/docs/how-to-use-this-guide
- type: Support
  url: https://www.upgrade.com/help/
- type: Authentication
  url: authentication/upgrade-authentication.yml
- type: LLMsTxt
  url: llms/upgrade-llms.txt
- type: Sandbox
  url: sandbox/upgrade-sandbox.yml
- type: ErrorCatalog
  url: errors/upgrade-error-codes.yml
- type: Conventions
  url: conventions/upgrade-conventions.yml
- type: Idempotency
  url: conventions/upgrade-conventions.yml
- type: Conformance
  url: conformance/upgrade-conformance.yml
- type: Components
  url: components/upgrade-components.yml
- type: DataModel
  url: data-model/upgrade-data-model.yml
- type: MCPServer
  url: mcp/upgrade-mcp.yml
- type: AgentSkill
  url: skills/_index.yml
- type: VulnerabilityDisclosure
  url: security/upgrade-vulnerability-disclosure.yml
- type: Security
  url: https://www.upgrade.com/security/
- type: Packages
  url: packages/upgrade-packages.yml
- type: SDKs
  url: packages/upgrade-packages.yml
- type: Lifecycle
  url: lifecycle/upgrade-lifecycle.yml
- type: StatusPage
  url: https://status.upgrade.com
- type: TermsOfService
  url: https://www.upgrade.com/funnel/borrower-documents/TERMS_OF_USE
- type: PrivacyPolicy
  url: https://www.upgrade.com/funnel/borrower-documents/PRIVACY_POLICY?productType=PERSONAL_LOAN
- type: Login
  url: https://www.upgrade.com/portal/
x-enrichment:
  date: '2026-07-21'
  status: enriched
  artifacts_added: 21
  pass: local-v1