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 is listed with 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 📡 Profile data on GitHub

32.7/100 thin ▬ flat Agent 17/100 agent aware Front door AI 1/6 silent Heartbeat 30/100 slowing saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

1 API

Company Fintech LendingConsumer FinancingEmbedded Finance Payments Home Services

Kin Score

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

Composite quality — 32.7/100 · thin

Contract Quality 8.3 / 21

Developer Ergonomics 3.2 / 17

Access Clarity 5.4 / 17

Operational Transparency 2.3 / 11

Contract Governance 1.9 / 10

Discoverability 6.2 / 9

Regulatory Posture 3.5 / 15

Agent readiness — 17/100 · 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

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 could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

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/.

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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
Machine-Readable Auth +10 pts — a served openid-configuration/oauth-authorization-server carrying `issuer` (served), else the securitySchemes class in the provider OpenAPIs — bound (mutualTLS, DPoP, Signature) > negotiable (oauth2 authorizationCode/clientCredentials, openIdConnect) > bearer (http bearer, apiKey)
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0

11 more unmet checks in the Agent Readiness table above.

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

Developer Ergonomics scores 19.0 — up to +16.2 composite points
Contract Quality scores 39.0 — up to +15.3 composite points
Access Clarity scores 31.6 — up to +13.7 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/wisetack/apis.yml: open an issue on github.com/api-evangelist/wisetack 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
Field Service, Home Services and Trades	undeclared	-	-	-
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.

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)

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
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - security
  generated: '2026-11-06'
  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

Wisetack API — frequently asked questions

Does Wisetack have an API?

Yes. APIs.io lists 1 API from Wisetack, including Wisetack Partner API.

Is the Wisetack API ready for AI agents?

Wisetack has a Kin Score of 32.7 out of 100 (thin) and an Agent Readiness score of 17.3 (agent-aware), scored by API Evangelist on 2026-11-06.

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Every provider here is available over the APIs.io API and to AI agents over MCP.

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