aid: flowpayio
name: flowpay.io
description: >-
  Flowpay is an embedded-lending fintech that provides fast, flexible,
  non-purpose financing of up to EUR 100,000 to small and medium-sized
  businesses across the Czech Republic, Slovakia, and the Netherlands. Its
  AI-driven platform lets e-commerce, point-of-sale, accounting, and banking
  partners embed an end-to-end lending journey - customer onboarding and
  identity verification, open-banking and sales-transaction data ingestion,
  personalized offer generation, and financing origination, document signing,
  and repayment - directly into their own products via a REST partner API,
  hosted iframe/linkout surfaces, and a modular JavaScript/React embed SDK.
  Authentication is OAuth 2.0 client-credentials (Auth0), with HMAC-SHA256
  signed webhooks for customer-scoring and financing-state events. Flowpay is a
  Techstars-backed company.
url: https://raw.githubusercontent.com/api-evangelist/flowpayio/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- techstars
x-tier: profiled
x-tier-reason: enriched-from-public-developer-surface
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-19'
image: https://cdn.prod.website-files.com/67f67c483b46bf33a3c28b20/688a66eddaf45373ea01c930_OG%20(2).png
tags:
- Company
- Financing
- Lending
- Embedded Finance
- Fintech
- SME
- Open Banking
- Payments
apis:
- name: Flowpay Partner API
  description: >-
    Flowpay's REST partner API for the Fully Embedded (Native) lending flow -
    customer onboarding and service activation, open-banking account and
    transaction ingestion, offer request/recalculation/retrieval, and financing
    origination and management. JSON over HTTPS, OAuth 2.0 client-credentials,
    HAL-style error envelope, HMAC-signed webhooks.
  humanURL: https://developers.flowpay.io/specifications/fully-embedded-api/
  baseURL: https://api.flowpay.io
  tags:
  - Lending
  - Embedded Finance
  - Open Banking
  properties:
  - type: Documentation
    url: https://developers.flowpay.io/specifications/fully-embedded-api/
  - type: Sandbox
    url: sandbox/flowpayio-sandbox.yml
- name: Flowpay Sales Transactions API
  description: >-
    Partner-implemented endpoint (GET /v1/sales) that supplies Flowpay with a
    merchant's paginated sales/order history (status, delivery, payment,
    currency, totals, line items) so Flowpay can score and personalize
    financing offers. Supports API-key or OAuth 2.0 auth and incremental sync
    via updatedAt.
  humanURL: https://developers.flowpay.io/specifications/sales-transactions-api/
  baseURL: https://api.flowpay.io
  tags:
  - Open Banking
  - Data
  properties:
  - type: Documentation
    url: https://developers.flowpay.io/specifications/sales-transactions-api/
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: DomainSecurity
  url: security/flowpayio-domain-security.yml
- type: Website
  url: https://flowpay.io/
- type: DeveloperPortal
  url: https://developers.flowpay.io/
- type: Documentation
  url: https://developers.flowpay.io/
- type: APIReference
  url: https://developers.flowpay.io/specifications/fully-embedded-api/
- type: GettingStarted
  url: https://developers.flowpay.io/
- type: Blog
  url: https://www.flowpay.io/blog
- type: Support
  url: https://www.flowpay.io/contact
- type: SignUp
  url: https://my.flowpay.io/signup
- type: Login
  url: https://my.flowpay.io/signin
- type: TermsOfService
  url: https://www.flowpay.io/terms-of-use
- type: PrivacyPolicy
  url: https://www.flowpay.io/privacy-policy
- type: GitHubOrganization
  url: https://github.com/flowpay-io
- type: Authentication
  url: authentication/flowpayio-authentication.yml
- type: Conventions
  url: conventions/flowpayio-conventions.yml
- type: ErrorCatalog
  url: errors/flowpayio-problem-types.yml
- type: Lifecycle
  url: lifecycle/flowpayio-lifecycle.yml
- type: Sandbox
  url: sandbox/flowpayio-sandbox.yml
- type: AsyncAPI
  url: asyncapi/flowpayio-webhooks-asyncapi.yml
- type: Webhooks
  url: asyncapi/flowpayio-webhooks-asyncapi.yml
- type: DataModel
  url: data-model/flowpayio-data-model.yml
- type: Conformance
  url: conformance/flowpayio-conformance.yml
- type: Packages
  url: packages/flowpayio-packages.yml
- type: SDKs
  url: packages/flowpayio-packages.yml
- type: Components
  url: components/flowpayio-components.yml
- type: MCPServer
  url: mcp/flowpayio-mcp.yml
- type: LLMsTxt
  url: llms/flowpayio-llms.txt
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence