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 is listed with 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.

The Upgrade catalog on APIs.io includes 1 Spectral governance ruleset.

Upgrade’s developer surface includes documentation, API reference, getting-started guide, support, authentication, sandbox, and 26 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

45.4/100 developing ▬ flat Agent 34/100 agent ready Front door AI 1/6 silent saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessSelf serve

3 APIs 3 Agent Skills

Company Fintech Lending Buy Now Pay Later Payments Credit Cards Banking Travel

What this lets a business do 1

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Payments & Card Management

BC-1340

Transactions

POST /v1/transactions POST /v1/transactions/{transactionId}/void POST /v1/transactions/{transactionId}/capture POST /v1/transactions/{transactionId}/refund

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 45.4/100 · developing

Contract Quality 2.5 / 19

Developer Ergonomics 10.8 / 15

Access Clarity 6.5 / 15

Operational Transparency 2.6 / 10

Contract Governance 2.9 / 9

Discoverability 5.9 / 8

Regulatory Posture 4.8 / 15

Create-or-Update Ergonomics 2.8 / 10

Agent readiness — 34/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 6 / 6

MCP Server 0 / 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

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

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 applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Show this score on your site.

It updates itself when the score changes. Paste this where you link to your API docs:

<a href="https://apis.io/providers/upgrade/"><img src="https://apis.io/badge/upgrade/card.svg" alt="Upgrade on APIs.io — Kin Score by API Evangelist"></a>

Other styles, a README pill and a shields.io endpoint are on the badge page.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document
Delegated User Identity +6 pts — a served discovery document listing authorization_code in grant_types_supported (served), else an oauth2 authorizationCode flow or openIdConnect declared in an OpenAPI (documented)

6 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 13.2 — up to +21.7 composite points
Access Clarity scores 43.4 — up to +11.3 composite points
Operational Transparency scores 26.3 — up to +9.6 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

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 the provider profile at artifacts.apis.io/upgrade/apis.yml: open an issue on github.com/api-evangelist/upgrade to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Consumer Lending Licensing (UK, US, Canada credit licence registers)	undeclared	-	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 2

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

OpenAPI

measured — observed by APIs.io (published)

OAuth 2.0

measured — observed by APIs.io (declared)

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 3

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

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

Agent Skills 3

Packaged agent skills for driving this provider's APIs from an AI assistant.

Create, confirm, and get paid for a Flex Pay order

AGENT SKILL

Direct Settle transactions (authorize, capture, void, refund)

AGENT SKILL

Show Flex Pay monthly pricing with the Marketing Offers API

AGENT SKILL

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Upgrade API Rules

53 rules · 49 errors 3 warnings 1 info

SPECTRAL

OpenAPI Overlays 1

Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.

Upgrade Flexpay Overlay

3 actions · update · upgrade-flexpay-openapi.yml

DERIVED

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

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

X-MCPServerCandidate

X-MCPServerCandidate

AgentSkill

AgentSkill

Design & Contract 7

Pagination, idempotency, versioning, errors, and events

ErrorCatalog

Conventions

Idempotency

Conformance

Components

DataModel

Lifecycle

Scroll for all 7

Build 3

SDKs, sample code, and the tooling you integrate with

PostmanWorkspace

PostmanWorkspace

Packages

Packages

SDKs

SDKs

Access & Security 6

Authentication, authorization, and security posture

TrustCenter

Compliance

DomainSecurity

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 2

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Overlay

Overlay

Source (apis.yml)

aid: upgrade
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  gated: none
  gated_source:
  - onboarding
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  - security
  - sandbox
  generated: '2026-11-06'
  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: '0.23'
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:
  - Order
  tags_raw:
  - 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:
  - Transaction
  tags_raw:
  - 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: PostmanWorkspace
  url: https://www.postman.com/kinlaneapi/upgrade/overview
- type: CapabilityMap
  url: capabilities/upgrade-capability-edges.yml
  name: Upgrade Business Capability Map
- 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: X-MCPServerCandidate
  url: mcp/upgrade-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: 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

Upgrade API — frequently asked questions

Does Upgrade have an API?

Yes. APIs.io lists 3 APIs from Upgrade, including Upgrade Marketing Offers API, Upgrade Orders API and Upgrade Transactions API.

Is there an OpenAPI specification for the Upgrade API?

Yes. APIs.io indexes 3 OpenAPI specifications for Upgrade, each linked for download from this page.

How do I authenticate with the Upgrade API?

Upgrade documents its authentication (oauth2 · 1 scheme). The details are profiled on APIs.io as Upgrade Authentication.

Is the Upgrade API ready for AI agents?

Upgrade has a Kin Score of 45.4 out of 100 (developing) and an Agent Readiness score of 34.3 (agent-ready), scored by API Evangelist on 2026-11-06.

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