Perpay (perpay)

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.

APIs.json: https://raw.githubusercontent.com/api-evangelist/perpay/refs/heads/main/apis.yml

Tags

• Fintech
• BNPL
• Buy Now Pay Later
• Credit Building
• Payroll Deduction
• Payments
• Consumer Finance

Timestamps

• Created: 2026-06-13
• Modified: 2026-06-13

APIs

Perpay Marketplace Checkout API

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.

• Human URL: https://www.perpay.com
• Base URL: https://api.perpay.com

Tags

• Checkout
• Marketplace
• Installments
• BNPL

Perpay Payroll Direct-Deposit API

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.

• Human URL: https://help.perpay.com/en/articles/11661160-how-perpay-uses-direct-deposit-for-payments
• Base URL: https://api.perpay.com

Tags

• Payroll
• Direct Deposit
• Income Verification
• Employment Verification
• Pinwheel

Perpay Credit Reporting API

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.

• Human URL: https://help.perpay.com/en/articles/450206-how-perpay-works
• Base URL: https://api.perpay.com

Tags

• Credit Building
• Credit Bureau
• Experian
• TransUnion
• Equifax
• FCRA

Common Resources

• Website: https://www.perpay.com
• Help Center: https://help.perpay.com/en/
• GitHub: https://github.com/Perpay
• LinkedIn: https://www.linkedin.com/company/perpay
• Terms of Service: https://perpay.com/legal/terms-and-conditions
• Privacy Policy: https://perpay.com/legal/privacy-policy