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.

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.

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.

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.

kredivo-mcp.yml

MCP SERVER

Event 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

ASYNCAPI

Security 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.

Kredivo Authentication

apiKey · 1 scheme

SECURITY

Kredivo Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Kredivo Vulnerability Disclosure

Hackerone · contact published

SECURITY

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.

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