# Highline

**Canonical:** https://apis.io/providers/highline-fi/  
**Website:** https://highline.co/  
**APIs profiled:** 10

Highline is an embedded payment infrastructure company whose Pay by Paycheck product captures funds from a consumer's payroll before they reach the checking account and routes them to billers and lenders. The platform pairs with payroll providers to create a split direct deposit at payroll run time, so designated bills are paid on time and in full, and the remainder is deposited to the consumer's bank as normal. Highline ships an API-first developer experience with hosted documentation at docs.highline.co, a Highline Link client widget, webhook-based notifications, sandbox simulations, daily ACH settlements, and an llms.txt for AI agents. The company is sometimes referenced as highline.fi but operates today at highline.co.

## Kin Score — 29.8 / 100 (thin)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 29.8).

| Facet | Score |
|---|---|
| Discoverability | 72.2 |
| Contract Quality | 49.1 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 21.1 |
| Developer Ergonomics | 19.0 |
| Commercial Clarity | 28.9 |
| Access Clarity | 28.9 |

Regulatory layer — **Payments**: 18.8 (matched via tags).

## Agent readiness — 32.1 (agent-aware)

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

## Access

Free · Self-serve signup — onboarding: self-serve, pricing: free, trial: no (confidence: high).

## APIs (10)

- **Highline Pay by Paycheck API** — The Highline API lets billers, lenders, and platforms verify consumer eligibility for paycheck-deduction payments, present the Highline Link flow to authorize a connection, subm...
- **Highline Auth API** — The Auth API from Highline — 2 operation(s) for auth.
- **Highline Companies API** — The Companies API from Highline — 1 operation(s) for companies.
- **Highline Connections API** — The Connections API from Highline — 2 operation(s) for connections.
- **Highline Employments API** — The Employments API from Highline — 1 operation(s) for employments.
- **Highline Payment Requests API** — The Payment Requests API from Highline — 4 operation(s) for payment requests.
- **Highline Payments API** — The Payments API from Highline — 3 operation(s) for payments.
- **Highline Products API** — The Products API from Highline — 4 operation(s) for products.
- **Highline Settlements API** — The Settlements API from Highline — 3 operation(s) for settlements.
- **Highline Users API** — The Users API from Highline — 4 operation(s) for users.

## Agentic access (1)

- **Highline Fi Agentic Access** — 27 operations · 11 acting

## Security (2)

- **Highline Fi Authentication** — http · 1 scheme
- **Highline Fi Domain Security** — TLSv1.3 · HSTS · DMARC

## Plans (1)

- **Highline Fi Plans Pricing**

## Tags

Embedded Finance, Payroll, Payments, ACH, Bill Pay, Lending, Direct Deposit, API-First, Webhook, Pay by Paycheck

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