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 24 more developer resources.

🌐 Visit website 📡 Source on GitHub
52.2/100 developing ▬ flat Agent 40/100 agent ready Full breakdown ↓
scored 2026-08-17 · rubric v0.11.0
AccessSelf serve
3 APIs 1 MCP Servers
CompanyFintechLendingBuy Now Pay LaterPaymentsCredit CardsBankingTravel

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-08-17 · rubric v0.11.0
Composite quality — 52.2/100 · developing
Contract Quality 11.9 / 21
Developer Ergonomics 11.4 / 17
Commercial Clarity 8.5 / 17
Operational Transparency 2.9 / 11
Governance 2.1 / 10
Discoverability 6.9 / 9
Regulatory Posture 8.4 / 15
Agent readiness — 40/100 · agent ready
Machine-Readable Contract 18 / 18
Agentic Access Contract 0 / 10
MCP Server 12 / 12
Machine-Readable Auth 10 / 10
Idempotency 9 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 7 / 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
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/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)

Open Collections 4

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

API Collection

OPEN COLLECTION

Flex Pay API (Upgrade) Marketing Offers API

OPEN COLLECTION

Flex Pay API (Upgrade) Marketing Offers Orders API

OPEN COLLECTION

Flex Pay API (Upgrade) Marketing Offers Transactions API

OPEN COLLECTION

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

Other 1

Properties that don't map to a standard resource type

Overlay
Overlay

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: Overlay
  url: overlays/upgrade-flexpay-overlay.yaml
- 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