aid: perpay
url: https://raw.githubusercontent.com/api-evangelist/perpay/refs/heads/main/apis.yml
name: Perpay
kind: company
description: >-
  Perpay is a buy-now-pay-later and credit-building platform that lets consumers
  shop and pay via automatic payroll deductions. Its internal REST platform
  supports marketplace checkout, installment plan creation, payroll direct-deposit
  switching (via Pinwheel), identity and income verification, and credit-bureau
  reporting to Experian, TransUnion, and Equifax. Perpay operates a closed
  marketplace — third-party merchant checkout integration is not publicly available;
  API access is reserved for Perpay's own products and vetted partners.
image: https://kinlane-productions.s3.amazonaws.com/apis-json/apis-json-logo.jpg
tags:
  - Fintech
  - BNPL
  - Buy Now Pay Later
  - Credit Building
  - Payroll Deduction
  - Payments
  - Consumer Finance
created: '2026-06-13'
modified: '2026-06-13'
specificationVersion: '0.19'
apis:
  - name: Perpay Marketplace Checkout API
    description: >-
      Internal REST API that powers checkout on the Perpay Marketplace.
      Handles product ordering, spending-limit enforcement, and installment
      plan creation for approved consumers. Access is limited to Perpay's
      own platform.
    humanURL: https://www.perpay.com
    baseURL: https://api.perpay.com
    tags:
      - Checkout
      - Marketplace
      - Installments
      - BNPL
    properties:
      - type: Documentation
        url: https://www.perpay.com
      - type: Plans
        url: plans/perpay-plans-pricing.yml
      - type: RateLimits
        url: rate-limits/perpay-rate-limits.yml
      - type: FinOps
        url: finops/perpay-finops.yml
  - name: Perpay Payroll Direct-Deposit API
    description: >-
      REST integration layer built on Pinwheel's payroll connectivity API.
      Supports direct-deposit switching, income and employment verification,
      and real-time confirmation of paycheck routing updates for 1.5 M+
      employer payroll platforms.
    humanURL: https://help.perpay.com/en/articles/11661160-how-perpay-uses-direct-deposit-for-payments
    baseURL: https://api.perpay.com
    tags:
      - Payroll
      - Direct Deposit
      - Income Verification
      - Employment Verification
      - Pinwheel
    properties:
      - type: Documentation
        url: https://help.perpay.com/en/articles/11661160-how-perpay-uses-direct-deposit-for-payments
  - name: Perpay Credit Reporting API
    description: >-
      Internal API that submits on-time payment history and spending-limit
      data to Experian, TransUnion, and Equifax for credit-building
      purposes. Governed by FCRA requirements.
    humanURL: https://help.perpay.com/en/articles/450206-how-perpay-works
    baseURL: https://api.perpay.com
    tags:
      - Credit Building
      - Credit Bureau
      - Experian
      - TransUnion
      - Equifax
      - FCRA
    properties:
      - type: Documentation
        url: https://help.perpay.com/en/articles/450206-how-perpay-works
common:
  - type: Website
    url: https://www.perpay.com
  - type: HelpCenter
    url: https://help.perpay.com/en/
  - type: GitHub
    url: https://github.com/Perpay
  - type: LinkedIn
    url: https://www.linkedin.com/company/perpay
  - type: TermsOfService
    url: https://perpay.com/legal/terms-and-conditions
  - type: PrivacyPolicy
    url: https://perpay.com/legal/privacy-policy
  - type: Plans
    url: plans/perpay-plans-pricing.yml
  - type: RateLimits
    url: rate-limits/perpay-rate-limits.yml
  - type: FinOps
    url: finops/perpay-finops.yml
  - type: Blog
    url: https://blog.perpay.com/
  - type: BlogPosts
    url: blogs/blogs.json
  - type: JSONLDContext
    url: json-ld/perpay-context.jsonld
maintainers:
  - FN: Kin Lane
    email: kin@apievangelist.com