SteadyPay
Welcome to SteadyPay Partner API
SteadyPay helps partners integrate lending and subscription services quickly and securely. Our APIs provide a complete customer journey from onboarding and eligibility checks to loans and subscriptions, along with standalone services for income and affordability insights.
Partner Pre-onboarding
Before partners can start calling our APIs, they need to complete the pre-onboarding steps:
Choose products. Decide which SteadyPay services you want to offer, such as loan, subscription, or standalone features.
Setup partner account. Create and configure your partner account with SteadyPay.
Product configuration. Configure your product settings in the partner portal.
Authentication. Obtain API credentials to authenticate with our services.
Ready for integration. Once credentials are issued, you are ready to integrate with the API.
📩 New to SteadyPay? If you are a new partner and have not yet completed the pre-onboarding process, please contact us at [email protected]. Our team will guide you through the setup and help you get started.
API Onboarding Journey
After pre-onboarding is complete, every partner must follow these steps:
Authentication. Partner authentication to use Partners API endpoints
Customer Registration. Create a new customer profile in SteadyPay.
Upload Transactions. Provide SteadyPay with the customer’s bank transactions, either through open banking or transactions upload.
At this point, you can take two different routes:
Apply for a Loan Products Customers can apply for a loan product that has a fixed eligibility criteria such as income level, repayment history, and risk assessment. The API will guide you through eligibility checking, contract signing, and disbursement.
Use Standalone Services If you do not want to apply for a specific product, you can still use SteadyPay’s standalone services:
Income Verification. Detect and verify the customer’s income source, pay cycle, and confidence level.
Affordability. Evaluate whether the customer can reasonably afford a requested loan amount and instalment plan.
Credit Check. Retrieve the customer’s credit risk profile for lending decisions.
💡 Tip Standalone services can be used in any order. You may call one service or combine multiple, depending on your business needs.
This journey ensures that all partner customer analyses are based on verified and up-to-date transaction data. By completing authentication, registration, and transaction upload first, partners can trust that every eligibility check, income verification, and affordability decision is grounded in real financial behaviour.
SteadyPay APILast updated