# Upgrade

**Canonical:** https://apis.io/providers/upgrade/  
**Website:** https://www.upgrade.com  
**APIs profiled:** 3

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.

## Kin Score — 52.2 / 100 (developing)

Scored 2026-08-17 under rubric 0.11.0. Trend: flat (+0.0 from 52.2).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 56.2 |
| Governance | 20.8 |
| Operational Transparency | 26.3 |
| Developer Ergonomics | 66.8 |
| Commercial Clarity | 50.0 |

Regulatory layer — **Payments**: 56.3 (matched via tags).

## Agent readiness — 39.9 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| MCP Server | derived |
| Auth Clarity | yes |
| Idempotency | documented |
| Error Semantics | documented |
| OpenAPI Examples | partial |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | derived |
| 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 (3)

- **Upgrade Marketing Offers API** — Marketing Offers API
- **Upgrade Orders API** — Checkout Orders API
- **Upgrade Transactions API** — Transactions API (Direct Settle disbursement)

## MCP servers (1)

- **upgrade-mcp.yml**

## Security (4)

- **Upgrade Authentication** — oauth2 · 1 scheme
- **Upgrade Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC
- **Upgrade Vulnerability Disclosure** — Hackerone · contact published
- **Upgrade Trust Center** — SOC 2, ISO 27001

## Tags

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

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