Kover API
Increase conversion, retention and profit margin with micropremium products

What is Kover?

Kover is the leading platform for micropremium products. We give your business a competitive advantage on conversion, retention, and profit margin by embedding micropremium products in your web applications.
This documentation helps you navigate the steps to:
  1. 1.
    Create a micropremium product or use a pre-built one;
  2. 2.
    Embed micropremium products into user flows;
  3. 3.
    Process payouts.
If you don't have an Account with Kover yet, please reach out to us at [email protected]

Build micropremium products

The first step is to decide what micropremium products best fit your business. You can either use one of the pre-built micropremium products or build your own from scratch.
Kover currently offers 4 pre-built micropremium products: Return Privilege, Income Shield, Return Fee Waiver, and On-Time Delivery Guarantee. We're constantly adding new micropremium products - for the latest and greatest updates on product releases, get in touch with us at [email protected]
You may also create a micropremium product by 1) defining the payout triggers using our Programmable Payout Module; then 2) train a risk model by uploading historical data to our Underwriting Engine.
  • Programmable Payout Module is a RESTful API that lets you define the conditions of payouts based on third-party data sources of truth. For instance, our Return Privilege product, which pays out on returned products, listens to the FedEx API and initiates a payout when a given return shipping label is activated.
  • Underwriting Engine creates risk scoring models that are based on data instead of human heuristics. Powered by machine learning, the Underwriting Engine creates dynamic pricing algorithms based on historical data, improves performance and reliability over time by updating the models with every payout, and monitors for fraud/adverse-selection through statistical metrics.
With payout conditions defined and pricing models trained, you are ready to boost conversion, retention, and profit margin by offering the micropremium product to your users.

Cover assets

You can embed the micropremium products offering into user flows through our RESTful API (for the most control) or Javascript Module (for the lightest integration). We're working on React Native, iOS, and Android SDK as well.
There are two steps in distributing a micropremium product: Quote and Purchase. Quote API ingests data required for underwriting and returns a Quote ID as well as price. Then, you could pass the Quote ID to the Cover API to confirm the purchase.
If your web application doesn't have all the information for generating a quote, or if you need to collect a separate payment method from your users, you would need to use the JS Module instead of the API. The JS Module can be embedded anywhere in your web application. When launching the module, you would just need to specify the Product ID and some pre-filled information. The JS Module will automatically ask your users for the missing data fields required for underwriting.

Process payouts

Since all payouts are parametric, your customer support team doesn't need to be involved in this process. However, it's important to communicate clearly to your users how they are expected to request a payout. To make things as easy as possible, both you and your users can open payout requests.
You can open, close, or check the status of payout requests using the Payout API.
Alternatively, you can direct your users to open, close, or check the status of payout requests themselves through a white-labeled User Dashboard.


Kover offers sandbox and production environments with separate API credentials for safe integration and testing. To learn more about Kover's risk platform, please get in touch at [email protected]
Last modified 8mo ago