specification: API Commons Rate Limits
specificationVersion: '0.1'
schema: https://raw.githubusercontent.com/api-evangelist/interface-research/main/schema/api-commons.yml#/$defs/RateLimits
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
  - Rate Limiting
  - Quotas
  - Throttling
description: >-
  Placeholder rate-limit artifact for Perpay. No public rate-limit
  documentation has been found; Perpay's APIs are internal and partner-only.
  Replace with real limits once researched or disclosed by Perpay.
notes: "Initial scaffold — limits have not yet been reconciled."
sources:
  - https://www.perpay.com
  - https://help.perpay.com/en/
responseCodes:
  throttled: 429
limits:
  - name: Default
    scope: account
    metric: varies
    limit: see provider documentation
    notes: Pending reconciliation; no public rate-limit documentation found.
policies:
  - name: Backoff Strategy
    description: >-
      Clients should implement exponential backoff with jitter and honor
      any Retry-After header returned on HTTP 429 responses.
maintainers:
  - FN: Kin Lane
    email: kin@apievangelist.com