PayJoy

PayJoy is a fintech that provides financial access to underserved consumers in emerging markets through smartphone financing and a secured credit card that requires only a government ID. Its Partner Developer Portal exposes a REST Partner API (Sales Integration) so retail and OEM partners can integrate PayJoy point-of-sale financing: retrieve cart and sale information, list merchants and sales clerks, offer and process customer repayments, create and pay payment references, redeem and cancel vouchers, pay down payments, and pull transaction history for reconciliation. A separate E-commerce API supports online checkout and credit-application flows. Authentication is by API key; webhooks are HMAC-SHA256 signed. Founded 2015; backed by Greylock and Union Square Ventures.

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 PayJoy

Each block below is one kind of artifact we hold for PayJoy. 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 9

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.

PayJoy E-commerce API

REST API for online checkout and credit-application flows: retrieve supported devices, begin a sale, and receive completion webhooks. Bearer-token authenticated plus a symmetric...

PayJoy Carts API

Retrieve cart information.

PayJoy Down Payments API

The Down Payments API from PayJoy — 1 operation(s) for down payments.

PayJoy Merchants API

Retrieve merchants information.

PayJoy Reconciliation API

The Reconciliation API from PayJoy — 1 operation(s) for reconciliation.

PayJoy Repayments API

The Repayments API from PayJoy — 3 operation(s) for repayments.

PayJoy SalesClerks API

Retrieve sales clerks information.

PayJoy Status API

Displays the status of the application.

PayJoy Vouchers API

Endpoints related to vouchers management

Scroll within the panel for all 9 ·

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.

payjoy-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.

Payjoy Webhooks

ASYNCAPI

Security 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.

Payjoy Authentication

apiKey/http · 2 schemes

SECURITY

Payjoy Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Every other property we hold for PayJoy — 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.

← All providers · Data indexed from github.com/api-evangelist/payjoy · machine-readable index on apis.io