Apurata
Apurata (legal name Tecno Creditos S.A.C.) is a Peruvian financial-technology company, authorized by Peru's banking regulator (SBS), that provides fast fully online personal loans and the aCuotaz "buy now, pay later" installment-financing product for e-commerce merchants. Consumers borrow from S/100 to S/1,000 with funding in as little as 29 minutes, repaid across 1-8 installments. For merchants, aCuotaz adds installment checkout with 0% interest options, pays the merchant upfront, and integrates via a REST API, webhooks, and prebuilt payment-gateway plugins for WooCommerce, Magento 2, Shopify, VTEX, Salesforce, OpenCart, and PrestaShop. Apurata also operates aPagos and a Samsung Finance+ financing API.
Real signal across most facets with visible, nameable gaps — the contract exists but is thin, or the portal is good while governance and commercial terms are absent.
API Evangelist profiles Apurata the way a machine reads it — 15 machine-readable artifacts across 4 APIs, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.
Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — Apurata scores 50.3/100 (developing), with a separate agent-readiness read of 48/100 (agent native). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.
Kin Score
This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance.
Kin Score
How this is scored →scored 2026-08-17 · rubric v0.11.0
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How we profile Apurata
Each block below is one kind of artifact we hold for Apurata. For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.
APIs 4
Each API is captured as its own OpenAPI definition — every operation, parameter, and response. This is the single most useful machine-readable description of what an API does, and it's what lets us score, lint, mock, and generate against it without asking the provider for anything.
Individual APIs this provider publishes, each with its own machine-readable definition.
Apurata config API
Financing configuration and limits
Apurata orders API
Order lifecycle (create, read, confirm, cancel)
Apurata refunds API
Total and partial refunds
Apurata widgets API
Embeddable checkout widgets (HTML)
Open Collections 5
Open, tool-agnostic collections carry the same runnable value as Postman without locking you to one client — the portable, forkable form of the same exercise.
Open, tool-agnostic API collections (OpenAPI-derived and Bruno).
API Collection
OPEN COLLECTIONApurata aCuotaz POS REST config API
OPEN COLLECTIONApurata aCuotaz POS REST config orders API
OPEN COLLECTIONApurata aCuotaz POS REST config refunds API
OPEN COLLECTIONApurata aCuotaz POS REST config widgets API
OPEN COLLECTIONMCP Servers 1
Model Context Protocol servers expose these APIs directly to AI agents. We profile them because agent-native access is the fastest-growing way this provider's capabilities actually get used.
Model Context Protocol servers that expose these APIs to AI agents.
apurata-mcp.yml
MCP SERVEREvent Specifications 2
Not every API is request/response. AsyncAPI describes the event-driven and streaming side — the webhooks and channels — so the asynchronous half of the interface is documented the same way the synchronous half is.
AsyncAPI definitions for this provider's event-driven and streaming APIs.
Apurata aCuotaz Order Webhooks
Outbound webhook events Apurata delivers to a merchant-registered URL as an aCuotaz installment order moves through its lifecycle. Generated from the public webhook documentatio...
ASYNCAPIApurata Acuotaz Webhooks
ASYNCAPISecurity Posture 3
Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Resources
Every other property we hold for Apurata — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.
Get Started 4
Portal, sign-up, and the first successful call
Documentation 3
Reference material describing how the API behaves
Agent Surfaces 4
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 8
Pagination, idempotency, versioning, errors, and events
Scroll within the panel for all 8 ·
Build 3
SDKs, sample code, and the tooling you integrate with
Access & Security 5
Authentication, authorization, and security posture
Operate 1
Status, limits, changes, and where to get help
Commercial 2
Pricing, plans, and the legal terms of use
Company 2
The organization behind the API
Other 1
Properties that don't map to a standard resource type
← All providers · Data indexed from github.com/api-evangelist/apurata · machine-readable index on apis.io
This is an independent, third-party profile of Apurata, published by API Evangelist. We do not operate, host, resell, or support these APIs, and we are not affiliated with or endorsed by the company unless stated above. Everything here is built from publicly available information — the company's own site, developer portal, documentation, public repositories, and the specifications it publishes for public use. Nothing is obtained by breaching a system, defeating an access control, or using credentials.
The Kin Score and Agent Readiness rating are independently calculated assessments of a company's public API artifacts, scored against a published rubric. They are not certifications, endorsements, security assessments, or audits.
Corrections, re-scores, and removal are free — no partnership or purchase required, and you do not need to justify the request. A removed company is recorded as unrated, never scored zero for having asked. Acknowledgement within one business day; removal within two.
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