Kredivo
Kredivo is a Southeast Asian consumer credit platform operated by FinAccel (Kredivo Group), best known for its "Buy Now, Pay Later" product offering instant real-time credit decisioning for online and offline purchases across Indonesia, Vietnam, Thailand and the Philippines. For developers, Kredivo publishes the Kredivo Checkout API — a merchant-facing HTTP/JSON payment API that lets an ecommerce store, marketplace, POS or EDC terminal offer installment payment (30 days through 24 months) at checkout. The API covers 2-click redirect checkout, 0-click tokenized express checkout, dynamic and static QR checkout for physical stores, EDC terminal checkout, transaction status polling, full and partial cancellation, user credit-limit lookup, and an installment/interest calculator, with asynchronous push notifications to a merchant-supplied push_uri and a signature-key confirmation callback. Kredivo Group also operates KrediFazz (instant cash loans), Krom (digital bank), Timo and GajiGesa.
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 Kredivo the way a machine reads it — 15 machine-readable artifacts across 5 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 — Kredivo scores 41.8/100 (developing), with a separate agent-readiness read of 34/100 (agent ready). 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 2026-09-08 · rubric v0.20.0
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How we profile Kredivo
Each block below is one kind of artifact we hold for Kredivo. 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 5
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.
Kredivo Calculator API
Installment, interest and service-fee breakdown.
Kredivo Checkout API
Initiating a Kredivo installment checkout (2-click, 0-click, QR, EDC).
Kredivo Confirmation API
Confirming a transaction after a push notification.
Kredivo Tokenization API
Managing tokenized (0-click) shoppers and their credit limits.
Kredivo Transactions API
Status, cancellation and reversal of transactions.
Open Collections 6
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 COLLECTIONKredivo Checkout Calculator API
OPEN COLLECTIONKredivo Calculator Checkout API
OPEN COLLECTIONKredivo Checkout Calculator Confirmation API
OPEN COLLECTIONKredivo Checkout Calculator Tokenization API
OPEN COLLECTIONKredivo Checkout Calculator Transactions API
OPEN COLLECTIONEvent Specifications 1
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.
Kredivo Checkout 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 Kredivo — 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 2
Reference material describing how the API behaves
Agent Surfaces 4
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 7
Pagination, idempotency, versioning, errors, and events
Scroll within the panel for all 7 ·
Build 3
SDKs, sample code, and the tooling you integrate with
Access & Security 5
Authentication, authorization, and security posture
Operate 2
Status, limits, changes, and where to get help
Commercial 2
Pricing, plans, and the legal terms of use
Company 4
The organization behind the API
Other 2
Properties that don't map to a standard resource type
← All providers · Data indexed from github.com/api-evangelist/kredivo · machine-readable index on apis.io
This is an independent, third-party profile of Kredivo, 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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