emerging · -0.4 capabilitymarket actiondomain

Buy Now Pay Later

Score 22.8 / 100 74 providers +4 via APIs 24 APIs Search apis.io →
Variants seen in the corpus: BNPLBuy Now Pay Later

Providers using this tag (74)

Ranked by API Evangelist rating — Exemplar and Strong are expanded by default.

Exemplar 3 Complete, well-documented, and agent-ready
TabbyConsumer FinanceE-CommerceFintech1 API80.6KlarnaFintechPaymentsCards6 APIs76.3Citizens Financial GroupBankingFinancial-ServicesFDX12 APIs67.1
Strong 5 Solid coverage with minor gaps
Cash AppFinancial-ServicesPaymentsUnited StatesFintech12 APIs61.7PaymobPaymentsPayment GatewayFintechMENA2 APIs60.4FintectureOpen BankingPaymentsPSD2France5 APIs56.3SplititPaymentsInstallmentsCredit Card2 APIs55.3ConektaPaymentsPayment ProcessingCardsCash1 API55.0
Developing 23 Usable, with meaningful gaps to close
KoinPaymentsFraud PreventionPix8 APIs51.5CitconCompanyPaymentsCross-Border PaymentsDigital Wallet1 API50.7KlumpCompanyPaymentsFintech1 API50.4MoMoPaymentsMobile PaymentsFintechDigital Wallet4 APIs50.4LendAPICompanyLendingLoan OriginationFinancial-Services1 API50.3UzumCompanyPaymentsBankingFinancial-Services11 APIs49.5ScalapayPaymentsInstalmentsE-Commerce1 API48.1SlopeCompanyFintechPaymentsEmbedded Finance1 API47.7Alliance Data Systems (Bread Financial Holdings)Financial-ServicesFintechBread Pay2 APIs47.5ShopBackCompanyPaymentsCashbackRewards2 APIs47.1TamaraFintechPaymentsCheckout3 APIs47.0SunbitPoint of Sale FinancingConsumer LendingPayments2 APIs46.4PayJoyCompanyFintechPaymentsLending1 API45.5UpgradeCompanyFintechLending3 APIs45.5ChargeAfterFinancial-ServicesPaymentsLending26 APIs44.1CapchaseCompanyFintechPaymentsEmbedded Finance1 API43.7Credilinq.aiCompanyFintechEmbedded FinanceLending1 API42.9KredivoCompanyPaymentsLending5 APIs41.8Bread FinancialCompanyFintechPayments13 APIs41.0PayflexPaymentsInstallmentsSouth Africa1 API40.6PaidyPaymentsJapanCheckout1 API40.1KriyaCompanyFintechPaymentsEmbedded Finance2 APIs39.7ApurataCompanyFinancial-ServicesFintechLending1 API39.5
Thin 13 Limited public surface area
BillieCompanyFintechPayments1 API38.4SezzlePaymentsInstallmentsFintech1 API37.8ZipDigital WalletPaymentsFintech3 APIs37.5AtratoCompanyFintechPayments1 API37.4AffirmFintechLendingPayments5 APIs37.3ScratchpayCompanyFinancingPaymentsLending3 APIs36.2BalanceCompanyFintechPaymentsB2B Payments1 API35.1GetbalanceCompanyPaymentsB2B PaymentsTrade Credit1 API34.4OPayPaymentsMobile MoneyFintechSuper App3 APIs33.5LayUp TechnologiesPaymentsLay-BySave Now Buy Later1 API31.7KueskiCompanyPaymentsLending2 APIs30.6PerpayFintechCredit BuildingPayroll Deduction3 APIs28.2AddiCompanyFintechPayments1 API26.8
Emerging 12 Early or largely undocumented
AplazoCompanyPaymentsInstallments1 API25.6Klarna KosmaOpen BankingPSD2AISPIS6 APIs25.2JifitiBankingEmbedded FinanceEmbedded Lending2 APIs25.0PatientFihealthcare-financingPatient FinancingConsumer LendingPoint of Sale Financing23.0HokodoCompanyFintechB2B Payments1 API22.9AfterpayFintechPaymentsConsumer3 APIs19.2CherryCompanyFintechPaymentsFinancing14.2Comfi Holdings LimitedCompanyFintechWorking CapitalInvoice Discounting14.0Credi2CompanyEmbedded FinanceLending13.9ZilchPaymentsUnited KingdomConsumer Credit13.9CapimCompanyHealth TechFintechDental12.5LimepayPaymentsAustraliaPayment Gateway3 APIs11.7
Minimal 18 Almost no public developer surface
JumbaCompanyConstructionConstruction TechnologyB2B Marketplace9.9RupifiCompanyFintechEmbedded Finance9.9SliceBankingNeobankSmall Finance BankConsumer Finance8.9Circle AsiaCompanyFintechPaymentsCredit Cards8.6NeloCompanyFintechConsumer Credit8.6RenoCompanyReal-EstateHome RenovationInterior Design8.5SkepsCompanyConsumerFintechEmbedded Finance8.1JenfiCompanyFinancial-ServicesFintechLending8.0AkulakuCompanyFintechE-Commerce7.7Tienda PagoCompanyLendingFintechPayments7.2VendeaseCompanyMarketplaceFoodProcurement7.2FairbancCompanyFinancial-ServicesFintechLending7.1Sokowatch / WasokoB2B CommerceInformal RetailDistributionSupply Chain5.7ImanCompanyFintechIslamic FinanceHalal Investing4.9GravitiCompanyFintechFinancial-Services2.1MNT-HalanFinancial-ServicesFintechMicrofinanceConsumer Lending2.0BharatPePaymentsUPIQR PaymentsMerchant Payments1.9AmountCompanyFintechLendingBanking1.8

APIs with this tag (23)

Ranked by the provider's API Evangelist rating — the Kin Score is scored per provider, not per API, so every API of a provider shares its band. How the rating works →

Exemplar 2 Complete, well-documented, and agent-ready
Klarna Payments APIThe Payments API from Klarna — 5 operation(s) for payments.76.3Citizens Pay APICitizens Pay is the buy-now-pay-later embedded financing platform offered by Citizens Bank. The Citizens Pa...67.1
Developing 6 Usable, with meaningful gaps to close
Klump APIThe Klump REST API lets a merchant verify transactions, sync commerce product catalogs, create Klump Access...50.4Sunbit Partner APIServer-to-server REST API for Sunbit partners and SaaS platforms. Covers pre-qualification links, "As Low A...46.4Worldpay APMs APIAccept alternative payment methods including eWallets, bank transfers, direct debits, local card schemes, a...45.8BreadPay Checkout APICheckout supports the buyer's shopping journey — starting and decisioning a financing application, returnin...41.0BreadPay Platform APINext-generation Bread Pay REST API for managing buyers, merchant accounts, personalized payment options and...41.0Paidy CheckoutJavaScript-based checkout integration that enables consumers to authenticate with Paidy and authorize payme...40.1
Thin 8 Limited public surface area
CyberSource Unified Checkout APIPre-built, customizable payment acceptance widget supporting multiple payment methods from a single integra...38.1Zip Global Merchant APIThe Zip Global Merchant API provides checkout, charge, capture, refund, and cancellation operations for mer...37.5Affirm Checkout APIInitialize and authorize Affirm checkout flows for online merchants.37.3Lead Bank Lend APIEmbedded-credit API supporting term loans, revolving lines of credit, in-app financing, and buy-now-pay-lat...33.9Kueski Pay Merchant Orders APIThe merchant-facing Kueski Pay order API used by the first-party e-commerce plugins. It validates merchant ...30.6Kueski Pay Widget Configuration APIThe HTTP API behind the Kueski Pay merchant widgets. The widgets.js library authenticates with the merchant...30.6Perpay Marketplace Checkout APIInternal REST API that powers checkout on the Perpay Marketplace. Handles product ordering, spending-limit ...28.2Addi Credit & Checkout APIREST API that lets e-commerce merchants create Addi buy-now-pay-later credit applications at checkout. Auth...26.8
Emerging 7 Early or largely undocumented
Aplazo Merchant Payment APIREST API for merchants to originate Aplazo installment loans at checkout, retrieve loan status, and process...25.6Jifiti Buy Now Pay Later APIJifiti's Buy Now Pay Later API enables merchants and lenders to offer split payment and consumer financing ...25.0Hokodo BNPL APIHokodo's B2B Buy Now, Pay Later REST API. Create companies and customers, request credit offers, place orde...22.9Afterpay Checkout APICreate and confirm Afterpay checkouts for merchant integrations.19.2Stere Pay Later APIStere Pay Later is a buy-now-pay-later gateway that lets insurers and distribution partners offer policyhol...11.9Limepay CheckoutEmbeddable, customisable checkout that merchants drop into a web store (with plugins for WooCommerce, Magen...11.7Limepay Payments APIREST API for accepting and managing card and BNPL payments — create and pay orders, capture or void authori...11.7

Companies reaching this through an API (4)

These companies publish an API, specification or operation carrying “Buy Now Pay Later” but do not classify their business under it. Listed unranked and kept out of the count above, because one tagged operation is not a statement about what a company does.

CyberSource Lead Bank Stere Worldpay

Score breakdown

Frequency
54.5
log-scaled weighted occurrences
Breadth
2.0
spread across providers
Quality lift
36.0
mean composite of providers using it
Cohesion
9.9
strength of nearest seed neighbor

Related tags

Installments 10 co-occurrences Consumer Credit 10 co-occurrences Embedded Finance 21 co-occurrences Checkout 26 co-occurrences Lending 34 co-occurrences Refunds 14 co-occurrences UAE 6 co-occurrences Point-of-Sale 15 co-occurrences

Where this tag comes from

Provider tag74
Api tag26

Cohort brief

Auto-generated

The 72 providers in the APIs.io catalog tagged Buy Now Pay Later, scored on the Kin Score. Every figure below is computed from the catalog — nothing here is written.

Providers
72
all scored
Mean Kin Score
32.4
+8.5 vs catalog 23.9
Mean Agent Readiness
18.4
+6.4 vs catalog 12
Spread
1.8–80.6
median 36.8 · σ 19.3
How the 72 split by band
Exemplar 3Strong 5Developing 23Thin 13Emerging 12Minimal 16
Facet averages, against the whole catalog
FacetThis cohortCatalogDifferenceScored
Developer Ergonomics 37.1 23.4 +13.7 72
Contract Quality 31 19.8 +11.2 72
Discoverability 66.9 61.2 +5.7 72
Operational Transparency 18.8 14 +4.8 72
Access Clarity 31.3 26.5 +4.8 72
Contract Governance 8.4 6.4 +2 72

A facet is averaged over the members that carry it, not over the whole cohort — the “Scored” column is that count. Averaging an absent facet as zero would score our own coverage gaps as the providers’ posture.

What this cohort publishes
ArtifactThis cohortCatalogDifference
MCP server (any) 7% 10% -3
MCP server (first-party) 11% 13% -2
Agent Skills 0% 0% 0
OAuth scopes 7% 11% -4
Security 100% 97% +3
Arazzo workflows 7% 2% +5
Governance rules 18% 14% +4

mcp_pct counts any mcp/ artifact including ones API Evangelist derived from the provider OpenAPI; mcp_first_party_pct counts only servers the provider publishes. Prefer the latter.

Top by Kin Score
  1. 1 Tabby 80.6
  2. 2 Klarna 76.3
  3. 3 Citizens Financial Group 67.1
  4. 4 Cash App 61.7
  5. 5 Paymob 60.4
  6. 6 Fintecture 56.3
  7. 7 Splitit 55.3
  8. 8 Conekta 55
  9. 9 Koin 51.5
  10. 10 Citcon 50.7
Top by Agent Readiness
  1. 1 ChargeAfter 56.9
  2. 2 Klarna 46.5
  3. 3 Tabby 42.8
  4. 4 Cash App 41.1
  5. 5 Uzum 38.7
  6. 6 Bread Financial 37.8
  7. 7 LendAPI 37.2
  8. 8 ShopBack 37.2
  9. 9 Credilinq.ai 37.2
  10. 10 Splitit 37
All 74 members of this roster resolve to a scored provider in the catalog.Generated from the catalog build of 15 September 2026, across 27661 providers, using the same computation served by the APIs.io cohort API. Briefs are published for rosters of 5 or more scored providers; below that a distribution is not meaningful.

Work with this as data

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Tools for tags

7 MCP tools reach this
  • find_tagsBrowse and filter every tag in the catalog.
  • get_cohortThis tag as a scored cohort — every provider carrying it, with scores.
  • cohort_statsPRO — the distribution across this tag: mean, median, band split, adoption rates.
  • cohort_rankingsPRO — the leaderboard, on composite AND agent-readiness axes.
  • apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
  • resolveTurn a domain, URL or GitHub org into the provider it belongs to.
  • find_cohortsEvery scored population of providers in the catalog.
All 92 tools →

Call it yourself

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This tag 
curl "https://apis.io/api/v1/tags/buy-now-pay-later"
All tags 
curl "https://apis.io/api/v1/tags?limit=25"
As a scored cohort 
curl "https://apis.io/api/v1/cohorts/tag/buy-now-pay-later"
The distribution (Pro) 
curl "https://apis.io/api/v1/cohorts/tag/buy-now-pay-later/stats" \
  -H "X-API-Key: $APIS_IO_KEY"

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