# 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:

1. **Choose products**. Decide which SteadyPay services you want to offer, such as loan, subscription, or standalone features.
2. **Setup partner account**. Create and configure your partner account with SteadyPay.
3. **Product configuration**. Configure your product settings in the partner portal.
4. **Authentication**. Obtain API credentials to authenticate with our services.
5. **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 **<enquiries@steadypay.co>**. 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:

1. **Authentication**. Partner authentication to use Partners API endpoints
2. **Customer Registration**. Create a new customer profile in SteadyPay.
3. **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.

{% content-ref url="/pages/FuDRjJJMeMbNjLPT1jtE" %}
[SteadyPay API](/steadypay-api/introduction.md)
{% endcontent-ref %}


---

# Agent Instructions: Querying This Documentation

If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question.

Perform an HTTP GET request on the current page URL with the `ask` query parameter:

```
GET https://docs.steadypay.co/readme.md?ask=<question>
```

The question should be specific, self-contained, and written in natural language.
The response will contain a direct answer to the question and relevant excerpts and sources from the documentation.

Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.