Wisetack

Wisetack is an embedded consumer financing (pay-over-time) platform for real-world services. Home service, auto repair, dental, medical, and veterinary businesses offer customers monthly payment options delivered via text or link, with approval in minutes; financing is provided through Wisetack's lending partners. Wisetack embeds into 50+ vertical SaaS and field service management platforms (Housecall Pro, Jobber, JobNimbus, Thryv, Square) through a partner REST API with webhook reporting. Backed by Greylock and Insight Partners; SOC 2 Type 2 certified.

Wisetack publishes 1 API on the APIs.io network. Tagged areas include Company, Fintech, Lending, Consumer Financing, and Embedded Finance.

The Wisetack catalog on APIs.io includes 1 event-driven AsyncAPI specification.

Wisetack’s developer surface includes support, engineering blog, getting-started guide, signup flow, FAQ, and 12 more developer resources.

🌐 Visit website 📡 Source on GitHub
38.2/100 thin ▬ flat Agent 21/100 agent aware Full breakdown ↓
scored 2026-08-20 · rubric v0.12.0
1 APIs
CompanyFintechLendingConsumer FinancingEmbedded FinancePaymentsHome Services

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-08-20 · rubric v0.12.0
Composite quality — 38.2/100 · thin
Contract Quality 9.6 / 21
Developer Ergonomics 3.2 / 17
Access Clarity 7.2 / 17
Operational Transparency 2.3 / 11
Contract Governance 1.9 / 10
Discoverability 6.5 / 9
Regulatory Posture 7.0 / 15
Agent readiness — 21/100 · agent aware
Machine-Readable Contract 18 / 18
Agentic Access Contract 0 / 10
Documented Reversibility 0 / 6
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 6 / 6
Agent Skills 0 / 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/wisetack: 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 1

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

Wisetack Partner API

Partner-gated REST API for embedding Wisetack pay-over-time financing into vertical SaaS and field service management platforms - create and monitor consumer financing applicati...

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Wisetack Webhooks

ASYNCAPI

Security Posture 2

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

Wisetack Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Wisetack Vulnerability Disclosure

contact published

SECURITY

Resources

Get Started 2

Portal, sign-up, and the first successful call

GettingStarted
GettingStarted
 SignUp
SignUp

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt
LLMsTxt

Design & Contract 2

Pagination, idempotency, versioning, errors, and events

Conformance
Conformance
 Webhooks
Webhooks

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization
GitHubOrganization

Access & Security 4

Authentication, authorization, and security posture

DomainSecurity
DomainSecurity
 VulnerabilityDisclosure
VulnerabilityDisclosure
 Security
Security
 Compliance
Compliance

Operate 3

Status, limits, changes, and where to get help

Support
Support
 ContactUs
ContactUs
 FAQ
FAQ

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService
TermsOfService
 PrivacyPolicy
PrivacyPolicy

Company 2

The organization behind the API

Website
Website
 Blog
Blog

Source (apis.yml)

apis.yml Raw ↑ 
aid: wisetack
name: Wisetack
description: Wisetack is an embedded consumer financing (pay-over-time) platform for real-world services. Home service, auto
  repair, dental, medical, and veterinary businesses offer customers monthly payment options delivered via text or link, with
  approval in minutes; financing is provided through Wisetack's lending partners. Wisetack embeds into 50+ vertical SaaS and
  field service management platforms (Housecall Pro, Jobber, JobNimbus, Thryv, Square) through a partner REST API with webhook
  reporting. Backed by Greylock and Insight Partners; SOC 2 Type 2 certified.
url: https://raw.githubusercontent.com/api-evangelist/wisetack/refs/heads/main/apis.yml
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
image: https://cdn.prod.website-files.com/5f194315e6b47c1697925302/67817164d9bfb1aad0c6aa30_wisetack-logo.png
x-type: company
x-source: vc-portfolio
x-backed-by:
- greylock
- insight-partners
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-21'
tags:
- Company
- Fintech
- Lending
- Consumer Financing
- Embedded Finance
- Payments
- Home Services
apis:
- name: Wisetack Partner API
  description: Partner-gated REST API for embedding Wisetack pay-over-time financing into vertical SaaS and field service
    management platforms - create and monitor consumer financing applications with webhook reporting. API documentation and
    integration guidelines are provided to integration partners; no public API reference is published.
  humanURL: https://www.wisetack.com/partnerships
  baseURL: https://api.wisetack.us
  tags:
  - Financing
  - Payments
  - Lending
  - Webhook
  tags_raw:
  - Financing
  - Payments
  - Lending
  - Webhooks
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://www.wisetack.com/
- type: DomainSecurity
  url: security/wisetack-domain-security.yml
- type: LLMsTxt
  url: llms/wisetack-llms.txt
- type: VulnerabilityDisclosure
  url: security/wisetack-vulnerability-disclosure.yml
- type: Security
  url: https://www.wisetack.com/responsible-disclosure-policy
- type: Conformance
  url: conformance/wisetack-conformance.yml
- type: Compliance
  url: https://www.wisetack.com/blog/announcing-wisetacks-soc-2-type-2-certification
- type: Webhooks
  url: asyncapi/wisetack-webhooks.yml
- type: Support
  url: https://support.wisetack.com/hc/en-us
- type: Blog
  url: https://www.wisetack.com/blog
- type: GitHubOrganization
  url: https://github.com/wisetack
- type: GettingStarted
  url: https://www.wisetack.com/getting-started
- type: SignUp
  url: https://www.wisetack.com/getting-started
- type: TermsOfService
  url: https://wisetack.us/#/terms
- type: PrivacyPolicy
  url: https://wisetack.us/#/privacy
- type: ContactUs
  url: https://www.wisetack.com/contact-us
- type: FAQ
  url: https://www.wisetack.com/faqs
x-enrichment:
  date: '2026-07-21'
  status: enriched
  artifacts_added: 5
  pass: local-v1