# Flowpay

> Flowpay is an embedded-lending fintech providing 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. Partners embed the full lending journey - onboarding, open-banking and sales-data ingestion, offer generation, and financing origination and repayment - via a REST partner API, hosted embed/linkout surfaces, and a JavaScript/React SDK. Auth is OAuth 2.0 client-credentials (Auth0); webhooks are HMAC-SHA256 signed. Techstars-backed.

This llms.txt was generated by the API Evangelist enrichment pipeline from the public developer surface and the apis.yml catalog record. Method: generated. Source: developers.flowpay.io + apis.yml.

## APIs

- [Flowpay Partner API](https://developers.flowpay.io/specifications/fully-embedded-api/): Fully Embedded (Native) lending flow - customers, open banking, offers, financings. Base URL https://api.flowpay.io (test https://api.test.flowpay.io), path prefix /partner-api/v1.
- [Flowpay Sales Transactions API](https://developers.flowpay.io/specifications/sales-transactions-api/): Partner-implemented GET /v1/sales endpoint supplying paginated merchant sales/order history for scoring.

## Docs

- [Developer Portal / Overview](https://developers.flowpay.io/)
- [Fully Embedded API](https://developers.flowpay.io/specifications/fully-embedded-api/)
- [Sales Transactions API](https://developers.flowpay.io/specifications/sales-transactions-api/)
- [Secure Embed](https://developers.flowpay.io/specifications/secure-embed/)
- [Secure Linkout](https://developers.flowpay.io/specifications/secure-linkout/)
- [JavaScript SDK](https://developers.flowpay.io/specifications/js-sdk/)

## Authentication

- OAuth 2.0 client-credentials via Auth0. Token URL (prod) https://flowpay.eu.auth0.com/oauth/token, audience https://api.partner.flowpay.io. Present as Authorization: Bearer <token>.
- Sales Transactions API also accepts a static X-API-Key header.
- Credentials: CLIENT_ID, CLIENT_SECRET, PARTNER_CODE, WEBHOOK_SECRET.

## Webhooks

- Events: customer-scoring, financing-state (HTTPS POST).
- Signed with HMAC-SHA256 in x-flowpay-sig; x-flowpay-ts timestamp guards replay.

## SDK Packages (npm, @flowpay-io, MIT)

- [@flowpay-io/embed-react](https://www.npmjs.com/package/@flowpay-io/embed-react): React components and hooks for the embedded flow.
- [@flowpay-io/embed-core](https://www.npmjs.com/package/@flowpay-io/embed-core): Framework-agnostic embed controller.
- [@flowpay-io/embed-auth](https://www.npmjs.com/package/@flowpay-io/embed-auth): Embed authentication utilities.
- [@flowpay-io/offer](https://www.npmjs.com/package/@flowpay-io/offer): Offer / installment-plan calculation.
- [@flowpay-io/shared](https://www.npmjs.com/package/@flowpay-io/shared): Shared TypeScript types.

## Company

- [Website](https://flowpay.io/)
- [About](https://www.flowpay.io/about-us)
- [Blog](https://www.flowpay.io/blog)
- [Contact / Support](https://www.flowpay.io/contact)
- [Sign up](https://my.flowpay.io/signup) / [Sign in](https://my.flowpay.io/signin)
- [GitHub](https://github.com/flowpay-io)
- [Terms of Use](https://www.flowpay.io/terms-of-use) / [Privacy Policy](https://www.flowpay.io/privacy-policy)