aid: sunbit
name: Sunbit
description: >-
  Sunbit is a Los Angeles based financial technology company that builds point-of-sale buy now,
  pay-over-time financing for everyday needs — auto service and dealerships, dental, eyewear,
  veterinary, med spa, home services, and general retail. Merchants and SaaS platforms integrate
  Sunbit through a partner API and a hosted JavaScript SDK covering four products: Pre-Qualification
  (send a customer a no-hard-credit-check qualification link), Sunbit Estimate (an "As Low As"
  monthly payment shown on a price, estimate or invoice), Checkout (Sunbit added as a payment method
  via a tokenized server-to-server flow and a modal), and Text to Pay-Over-Time (an SMS payment link).
  The platform also exposes merchant onboarding, transaction lookup, void and partial refund,
  reporting, and HMAC-SHA256 signed webhooks. Loans are originated through regulated bank partners.
url: https://raw.githubusercontent.com/api-evangelist/sunbit/refs/heads/main/apis.yml
x-type: company
x-source: harvest:secondary-market
x-tier: profiled
x-tier-reason: enrichment
specificationVersion: '0.21'
created: '2026-07-31'
modified: '2026-07-31'
image: https://sunbit.com/wp-content/uploads/2021/06/sunbit-logo.png
tags:
- buy-now-pay-later
- point-of-sale-financing
- consumer-lending
- payments
- fintech
- checkout
- merchant-onboarding
- webhooks
- automotive
- dental
- veterinary
- eyewear
- healthcare-financing
- embedded-finance
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
x-backed-by:
- starting-line-vc
x-enrichment:
  date: '2026-07-31'
  status: enriched
  artifacts_added: 21
  pass: local-v1
apis:
- name: Sunbit Partner API
  description: >-
    Server-to-server REST API for Sunbit partners and SaaS platforms. Covers pre-qualification links,
    "As Low As" payment estimation, Text to Pay-Over-Time SMS links, checkout transaction
    initialization and validation, transaction void and partial refund, merchant location onboarding
    and status, embedded partner-dashboard login links, and transaction/offer reporting.
    Authentication is a paired `sunbit-key` / `sunbit-secret` header credential, with some endpoints
    additionally restricted by IP allowlist. Sandbox host is api-sandbox.sunbit.com; production is
    api.sunbit.com.
  humanURL: https://docs.sunbit.com/docs/overview/overview
  baseURL: https://api.sunbit.com/
  tags:
  - buy-now-pay-later
  - point-of-sale-financing
  - payments
  - checkout
  - merchant-onboarding
  - reporting
  properties:
  - type: Documentation
    url: https://docs.sunbit.com/docs/overview/overview
  - type: APIReference
    url: https://docs.sunbit.com/docs/api-integrations/sunbit-pre-qualification
  - type: GettingStarted
    url: https://docs.sunbit.com/docs/overview/getting-started
  - type: Authentication
    url: authentication/sunbit-authentication.yml
  - type: Conventions
    url: conventions/sunbit-conventions.yml
  - type: ErrorCatalog
    url: errors/sunbit-problem-types.yml
  - type: Webhooks
    url: asyncapi/sunbit-webhooks.yml
  - type: Sandbox
    url: sandbox/sunbit-sandbox.yml
  - type: DataModel
    url: data-model/sunbit-data-model.yml
  - type: Conformance
    url: conformance/sunbit-conformance.yml
- name: Sunbit JavaScript SDK
  description: >-
    Hosted, asynchronously loaded browser SDK (the SUNBIT global) that renders Sunbit's client-side
    surfaces: the "As Low As" estimate text element and disclaimer, the check-financing-options
    link, the Checkout button element and hosted checkout modal, and the Payment Path module.
    Loaded from static.sunbit.com rather than a package registry, and initialized with a publishable
    sunbitKey plus a SANDBOX / DEMO / PROD mode.
  humanURL: https://docs.sunbit.com/docs/sdk-integrations/sunbit-checkout-sdk
  baseURL: https://static.sunbit.com/sdk/sunbit-sdk.js
  tags:
  - javascript-sdk
  - checkout
  - embedded-components
  properties:
  - type: Documentation
    url: https://docs.sunbit.com/docs/sdk-integrations/sunbit-checkout-sdk
  - type: Components
    url: components/sunbit-components.yml
  - type: Packages
    url: packages/sunbit-packages.yml
common:
- type: Website
  url: https://sunbit.com/
- type: DeveloperPortal
  url: https://developers.sunbit.com/
- type: Documentation
  url: https://docs.sunbit.com/docs/overview/overview
- type: APIReference
  url: https://docs.sunbit.com/docs/api-integrations/sunbit-pre-qualification
- type: GettingStarted
  url: https://docs.sunbit.com/docs/overview/getting-started
- type: Blog
  url: https://sunbit.com/knowledge-center/
- type: Support
  url: https://sunbit.com/contact-us/
- type: SignUp
  url: https://sunbit.com/im-a-merchant/become-a-partner/
- type: Pricing
  url: https://sunbit.com/rates_and_terms/
- type: TermsOfService
  url: https://sunbit.com/terms-of-use/
- type: PrivacyPolicy
  url: https://sunbit.com/consumer_privacy/
- type: StatusPage
  url: https://status.sunbit.com/
- type: Integrations
  url: https://sunbit.com/integration-partners/
- type: Authentication
  url: authentication/sunbit-authentication.yml
- type: Conventions
  url: conventions/sunbit-conventions.yml
- type: ErrorCatalog
  url: errors/sunbit-problem-types.yml
- type: Webhooks
  url: asyncapi/sunbit-webhooks.yml
- type: Sandbox
  url: sandbox/sunbit-sandbox.yml
- type: Components
  url: components/sunbit-components.yml
- type: Packages
  url: packages/sunbit-packages.yml
- type: SDKs
  url: packages/sunbit-packages.yml
- type: DataModel
  url: data-model/sunbit-data-model.yml
- type: Conformance
  url: conformance/sunbit-conformance.yml
- type: Lifecycle
  url: lifecycle/sunbit-lifecycle.yml
- type: WellKnown
  url: well-known/sunbit-well-known.yml
- type: SecurityTxt
  url: well-known/sunbit-security.txt
- type: VulnerabilityDisclosure
  url: security/sunbit-vulnerability-disclosure.yml
- type: Security
  url: https://sunbit.com/.well-known/security.txt
- type: DomainSecurity
  url: security/sunbit-domain-security.yml
- type: AgentSkill
  url: skills/_index.yml
- type: LLMsTxt
  url: llms/sunbit-llms.txt