specification: API Commons Plans
specificationVersion: '0.1'
schema: https://raw.githubusercontent.com/api-evangelist/interface-research/main/schema/api-commons.yml#/$defs/Plans
provider: Perpay
providerId: perpay
created: '2026-06-13'
modified: '2026-06-13'
reconciled: false
tags:
  - Fintech
  - BNPL
  - Buy Now Pay Later
  - Credit Building
  - Payroll Deduction
  - Payments
  - Consumer Finance
  - Plans
description: >-
  Placeholder plans/pricing artifact for Perpay. Perpay does not publish a
  public merchant API tier list; pricing is consumer-facing (interest-free
  installments via payroll deduction) with no publicly documented API
  access tiers. Replace with real pricing once the provider's plans page is
  reconciled.
notes: "Initial scaffold — plans/pricing have not yet been reconciled against the provider's documentation."
sources:
  - https://www.perpay.com
  - https://help.perpay.com/en/
plans:
  - id: perpay-consumer-default
    name: Consumer Marketplace (Interest-Free)
    type: consumer
    description: >-
      Consumers shop on the Perpay Marketplace and repay via payroll
      deduction installments. Perpay charges no interest and no fees to
      consumers; revenue comes from merchant and interchange fees.
    entries:
      - label: API Access
        name: api_access
        type: flat
        metric: varies
        limit: -1
        timeFrame: usage
        geo: global
        unit: 1
        price: see https://www.perpay.com
        userMultiplied: false
    elements:
      - name: Pending Reconciliation
maintainers:
  - FN: Kin Lane
    email: kin@apievangelist.com