# BillGO

**Canonical:** https://apis.io/providers/billgo/  
**Website:** https://billgo.com/  
**APIs profiled:** 1

BillGO is a Fort Collins, Colorado bill-payment technology company founded in 2015 that operates a real-time payments network connecting financial institutions, fintechs and billers. Its BillGO Exchange platform lets billers of any size receive electronic payments over ACH and one-time-use virtual cards instead of paper checks, and lets banks and credit unions embed real-time bill pay into their own applications. The Exchange web application at exchange.billgo.com is driven by a live GraphQL API with Okta-hosted OpenID Connect sign-in; the developer reference at docs.billgo.com is a private ReadMe project that redirects anonymous visitors to a login.

## Kin Score — 32.4 / 100 (thin)

Scored 2026-08-17 under rubric 0.11.0. Trend: flat (+0.0 from 32.4).

| Facet | Score |
|---|---|
| Discoverability | 87.0 |
| Contract Quality | 0.0 |
| Governance | 12.5 |
| Operational Transparency | 26.3 |
| Developer Ergonomics | 17.4 |
| Commercial Clarity | 50.0 |

Regulatory layer — **Payments**: 62.5 (matched via tags).

## Agent readiness — 9.0 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## APIs (1)

- **BillGO Exchange GraphQL API** — The GraphQL API behind the BillGO Exchange biller portal. A live graphql-java server answers POST requests at https://exchange.billgo.com/graphql; schema introspection is disabl...

## Security (3)

- **Billgo Authentication** — openIdConnect/oauth2 · 2 schemes
- **Billgo Domain Security** — TLSv1.3 · HSTS · DMARC
- **Billgo Trust Center** — SOC 2 Type II, SOC 1 Type I, PCI DSS Level 1 (via service providers)

## Tags

Payments, Bill Pay, Financial Services, Banking, ACH, Virtual Cards, Fintech, GraphQL

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/billgo/). Scores are computed from the provider's own public artifacts under a published rubric.