EazePay
Lender Marketplace
Developer docs
Open for new lender adapters

Plug into a multi-brand orchestration rail.

EazePay routes every soft-pull-qualified application to every eligible lender adapter, in parallel, ranked consumer-best. One normalised payload, one HMAC scheme, one audit-trail — across TradePay, MedPay, CoachPay, and direct consumer surfaces.

See the endpointsRead the integration guide

HMAC-SHA256 · 5-min replay window · RFC 7807 errors · Idempotent retries

5
Active lender adapters
3
Consumer-facing brands
< 800ms
P95 orchestration
99.95%
Webhook delivery (24h)

How routing works

One application, every eligible lender.

Each step below is a public endpoint your team can hit from a sandbox key. Cards below show the exact path, method, and the canonical payload shape.

  1. 1

    Intake

    Consumer hits a brand apply link. EazePay collects soft-pull consent and normalises the payload.

    POST /api/v1/applications
  2. 2

    Eligibility

    Knockouts → affordability → state APR caps → MLA / SCRA → brand allowlist → tier match.

    POST /api/v1/orchestration/evaluate
  3. 3

    Route

    Parallel quote within tier; waterfall across tiers; aggregate, dedupe, rank consumer-best.

    POST /api/v1/orchestration/route
  4. 4

    Bind + fund

    Consumer accepts → e-sign + TILA → lender confirms → bank-of-record disburses.

    POST /api/v1/offers/{id}/accept

Live marketplace

5 active lender adapters

Brands, served tiers, APR windows, and the SLA we hold each adapter to. Click into any lender to see the exact endpoint, sample payload, and integration status.

  • B

    BuzzPay

    BuzzPay Finance, LLC (issued via Cross River Bank)

    Active
    Brands
    tradepay · medpay · coachpay · direct
    APR band
    6.0% – 18.0% APR
    Envelope
    $50k – $8000k
    P95 SLA
    612ms
    lp_buzzpay_primeView integration
  • H

    Helia Medical

    Helia Health Financing, Inc.

    Active
    Brands
    medpay
    APR band
    6.9% – 15.0% APR
    Envelope
    $100k – $5000k
    P95 SLA
    489ms
    lp_helia_medicalView integration
  • S

    Summit Premier

    Summit Premier Capital, LLC

    Active
    Brands
    tradepay · medpay · coachpay
    APR band
    5.5% – 10.0% APR
    Envelope
    $200k – $15M
    P95 SLA
    743ms
    lp_summit_premierView integration
  • K

    Kestrel

    Kestrel Lending Co.

    Active
    Brands
    tradepay
    APR band
    10.0% – 25.0% APR
    Envelope
    $50k – $3500k
    P95 SLA
    824ms
    lp_kestrelView integration
  • A

    Atlas Career Cap

    Atlas Career Capital, LLC

    Active
    Brands
    coachpay
    APR band
    7.5% – 12.0% APR
    Envelope
    $100k – $2500k
    P95 SLA
    567ms
    lp_atlas_career_capView integration

Endpoints

Plug into the rail with six endpoints.

All endpoints accept JSON, return RFC 7807 error bodies, and live under https://api.eazepay.com. Demo traffic is allowed without a signature so you can curl them before issuing keys.

POST/api/v1/applicationsPOST/api/v1/orchestration/evaluatePOST/api/v1/orchestration/routeGET/api/v1/applications/{id}/offersPOST/api/v1/lenders/{lender_id}/quotePOST/api/v1/webhooks/lenders/{lender}
Try it from your terminalNo auth required in demo mode
# Fetch every lender on the rail, filtered to MedPay
curl -s https://api.eazepay.com/api/v1/lenders?brand=medpay | jq

# Run the eligibility check
curl -s https://api.eazepay.com/api/v1/orchestration/evaluate \
  -X POST -H "Content-Type: application/json" \
  -d '{
    "application_id":"app_demo_001",
    "brand":"tradepay",
    "amount_cents":1850000,
    "tier":"prime"
  }' | jq

# Run the full waterfall
curl -s https://api.eazepay.com/api/v1/orchestration/route \
  -X POST -H "Content-Type: application/json" \
  -d '{
    "application_id":"app_demo_001",
    "brand":"tradepay",
    "amount_cents":1850000,
    "term_months":60,
    "tier":"prime"
  }' | jq

Audit-grade

Append-only hash-chained audit log on every decision.

Fair-lending

Quarterly disparate-impact + equalised-odds review.

Bank-partner

Lender-of-record carried structurally on every Loan.