Balance
Balance is a financial infrastructure platform for B2B commerce that lets merchants and marketplaces accept payments, offer net-terms financing (digital trade credit / B2B BNPL), and automate order-to-cash accounts-receivable operations. Its APIs power embedded, customizable buyer journeys, advanced and consolidated billing, split payments, and AI-powered credit-risk management, covering the full B2B flow from checkout through invoicing, financing, and reconciliation. Balance ships pre-built integrations for platforms including Shopify, BigCommerce, Magento, and Salesforce Commerce, plus marketplace solutions, and exposes a v2 REST API documented on a developer portal. The company was surfaced as a portfolio company of Forerunner Ventures, Lightspeed Venture Partners, Ribbit Capital, and Techstars, and is profiled in the API Evangelist network. Card processing runs through Stripe (PCI DSS Service Provider Level 1); Balance publishes a security policy, status page, monthly product-update changelog, and a beta Model Context Protocol server for agentic commerce.
Limited machine-readable signal and partial portal coverage — documentation a human can read, but little a machine or agent can consume without scraping.
API Evangelist profiles Balance the way a machine reads it — 4 machine-readable artifacts across 1 API, 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 — Balance scores 35.1/100 (thin), with a separate agent-readiness read of 4/100 (human only). 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. Every facet and dimension name is a link: it opens that measurement's page on APIs.io, where the rating runs across the whole catalog — the exact checks that feed it, how every profiled provider distributes on it, and who is at the top of it.
Kin Score
How this is scored →scored 2026-09-10 · rubric v0.20.0
Put this on your own site. The badge is drawn live from Balance's current Kin Score — paste it once and it updates itself every time the score is recomputed. It follows your visitor's light or dark setting, and it links back here so anyone who sees it can read the full breakdown.
<!-- Kin Score · API Evangelist -->
<a href="https://providers.apievangelist.com/providers/balance/"
title="Balance on API Evangelist — API profile and Kin Score">
<img src="https://apis.io/badge/balance.svg"
alt="Balance Kin Score — API readiness rating by API Evangelist" width="150" height="150" loading="lazy">
</a>[](https://providers.apievangelist.com/providers/balance/)<!-- Kin Score · API Evangelist -->
<a href="https://providers.apievangelist.com/providers/balance/"
title="Balance on API Evangelist — API profile and Kin Score">
<img src="https://apis.io/badge/balance/card.svg"
alt="Balance Kin Score — API readiness rating by API Evangelist" width="340" height="120" loading="lazy">
</a>More shapes, themes and sizes → · Score as JSON · How badges work
How we profile Balance
Each block below is one kind of artifact we hold for Balance. 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 1
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.
Balance API v2
Balance's v2 REST API for B2B payments, net-terms financing, invoicing, and accounts-receivable automation. Reference documentation is hosted on a password-gated ReadMe.io porta...
MCP 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.
Balance MCP Server
Balance announced a Model Context Protocol (MCP) server for B2B agentic commerce, in closed beta at the time of capture. It lets LLMs and AI agents interact with Balance's APIs ...
MCP SERVERSecurity Posture 2
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 Balance — 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 3
Portal, sign-up, and the first successful call
Documentation 1
Reference material describing how the API behaves
Agent Surfaces 2
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 2
Pagination, idempotency, versioning, errors, and events
Access & Security 4
Authentication, authorization, and security posture
Operate 3
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
← All providers · Data indexed from github.com/api-evangelist/balance · machine-readable index on apis.io
This is an independent, third-party profile of Balance, 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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you will get a person, not a form — we will tell you exactly which public URLs this profile was built from.