Nivelo

Nivelo is a New York City fintech that operates a payments risk and money-movement platform for the payroll industry, serving payment service providers (PSPs) and professional employer organizations (PEOs). Nivelo provides real-time payment risk intelligence and automated money movement across ACH, Wires, RTP, and FedNow rails, with capabilities including NSF (non-sufficient funds) prevention, ACH returns management, KYB and fraud monitoring, and treasury management. Its products include Exposure Scan (payment-risk identification), the Scorer Engine (a real-time ACH return-risk scoring API that predicts the likelihood of an ACH transaction failing before origination), and Instant Payroll (instant debits with auto-routing across payment rails to reduce failed payroll disbursements). Nivelo was founded in 2020 by Eli Polanco and Philippe Legault and raised a $2.5M seed round led by FirstMark, Barclays, and Anthemis.

Nivelo publishes 1 API on the APIs.io network. Tagged areas include Company, Payments, ACH, Fintech, and Payroll.

Nivelo’s developer surface includes signup flow, support, authentication, and 15 more developer resources.

🌐 Visit website 📡 Source on GitHub

26.0/100 emerging ▬ flat Agent 3/100 human only saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

1 APIs

Company Payments ACH Fintech Payroll Risk Fraud Detection Money Movement Real-Time Payments Treasury FedNow RTP

Kin Score

Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0

Composite quality — 26.0/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 2.8 / 17

Access Clarity 8.5 / 17

Operational Transparency 2.9 / 11

Contract Governance 0.0 / 10

Discoverability 5.8 / 9

Regulatory Posture 7.3 / 15

Agent readiness — 3/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Regulatory Posture applies to this provider. Its tags matched the Payments regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/nivelo: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 1

Individual APIs this provider publishes, each with its own machine-readable definition.

Nivelo Scorer API

Nivelo's real-time ACH return-risk scoring API. A RESTful endpoint that accepts ACH transaction data as JSON and returns a risk score and a prediction of the likelihood of an AC...

Security Posture 4

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Nivelo Authentication

http · 1 scheme

SECURITY

Nivelo Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Nivelo Vulnerability Disclosure

Hackerone

SECURITY

Nivelo Trust Center

SOC 2 Type 2, FCRA, CCPA, GDPR

SECURITY

Resources

Get Started 2

Portal, sign-up, and the first successful call

SignUp

SignUp

Login

Design & Contract 1

Pagination, idempotency, versioning, errors, and events

Lifecycle

Lifecycle

Access & Security 6

Authentication, authorization, and security posture

Authentication

TrustCenter

Compliance

DomainSecurity

VulnerabilityDisclosure

VulnerabilityDisclosure

Security

Security

Operate 2

Status, limits, changes, and where to get help

Support

Support

StatusPage

StatusPage

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 4

The organization behind the API

Website

Website

About

About

Careers

Careers

LinkedIn

Other 1

Properties that don't map to a standard resource type

Source (apis.yml)

aid: nivelo
name: Nivelo
description: Nivelo is a New York City fintech that operates a payments risk and money-movement platform for the payroll industry,
  serving payment service providers (PSPs) and professional employer organizations (PEOs). Nivelo provides real-time payment
  risk intelligence and automated money movement across ACH, Wires, RTP, and FedNow rails, with capabilities including NSF
  (non-sufficient funds) prevention, ACH returns management, KYB and fraud monitoring, and treasury management. Its products
  include Exposure Scan (payment-risk identification), the Scorer Engine (a real-time ACH return-risk scoring API that predicts
  the likelihood of an ACH transaction failing before origination), and Instant Payroll (instant debits with auto-routing
  across payment rails to reduce failed payroll disbursements). Nivelo was founded in 2020 by Eli Polanco and Philippe Legault
  and raised a $2.5M seed round led by FirstMark, Barclays, and Anthemis.
url: https://raw.githubusercontent.com/api-evangelist/nivelo/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- anthemis
x-tier: stub
x-tier-reason: portfolio-lead
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  - security
  generated: '2026-09-03'
  method: derived
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-20'
image: https://nivelo.io/
tags:
- Company
- Payments
- ACH
- Fintech
- Payroll
- Risk
- Fraud Detection
- Money Movement
- Real-Time Payments
- Treasury
- FedNow
- RTP
apis:
- name: Nivelo Scorer API
  description: Nivelo's real-time ACH return-risk scoring API. A RESTful endpoint that accepts ACH transaction data as JSON
    and returns a risk score and a prediction of the likelihood of an ACH return, so originators, third-party senders, and
    banking payment providers can assess payment risk before origination. Authenticated with a Bearer API key; a test environment
    is available.
  humanURL: https://nivelo.io/
  baseURL: https://api.nivelo.io
  tags:
  - Payments
  - ACH
  - Risk Scoring
  - Fraud Detection
  properties:
  - type: Authentication
    url: authentication/nivelo-authentication.yml
common:
- type: Website
  url: https://nivelo.io/
- type: About
  url: https://nivelo.io/about
- type: SignUp
  url: https://nivelo.io/employer/sign-up-nivelo
- type: Login
  url: https://nivelo.io/auth/sign-in
- type: Support
  url: https://nivelo.io/contact
- type: StatusPage
  url: https://status.nivelo.io/
- type: TermsOfService
  url: https://nivelo.io/terms
- type: PrivacyPolicy
  url: https://nivelo.io/privacy
- type: Careers
  url: https://nivelo.io/careers
- type: Authentication
  url: authentication/nivelo-authentication.yml
- type: Lifecycle
  url: lifecycle/nivelo-lifecycle.yml
- type: TrustCenter
  url: security/nivelo-trust-center.yml
- type: Compliance
  url: https://nivelo.io/security
- type: DomainSecurity
  url: security/nivelo-domain-security.yml
- type: VulnerabilityDisclosure
  url: security/nivelo-vulnerability-disclosure.yml
- type: Security
  url: https://nivelo.io/security
- type: LinkedIn
  url: https://www.linkedin.com/company/nivelofi
- type: X
  url: https://twitter.com/nivelo_payments
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
x-enrichment:
  date: '2026-07-20'
  status: enriched
  artifacts_added: 5
  pass: local-v1

Work with this as data

Every provider here is available over the APIs.io API and to AI agents over MCP.

MCP server

One button, every client — Claude, Cursor, VS Code and the rest.

https://apis.io/mcp

Tools for providers

9 MCP tools reach this

find_providersBrowse and filter every provider in the catalog.
get_provider_artifactsEvery artifact this provider publishes, grouped by type.
get_provider_operationsEvery operation across all of their OpenAPIs — one call instead of parsing every spec.
get_provider_toolsEvery MCP tool they ship, with the operation each wraps.
get_provider_evidenceHow each part of their score was established. Free — the basis for a claim should not sit behind it.
get_provider_ratingPRO — composite, band, trend and facet scores.
apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
resolveTurn a domain, URL or GitHub org into the provider it belongs to.
find_cohortsEvery scored population of providers in the catalog.

All 92 tools →

Call it yourself

curl for this page

This provider

curl "https://apis.io/api/v1/providers/nivelo"

All providers

curl "https://apis.io/api/v1/providers?limit=25"

Every operation they expose

curl "https://apis.io/api/v1/providers/nivelo/operations?limit=25"

How their score was established

curl "https://apis.io/api/v1/providers/nivelo/evidence"

Discovery needs no key. Ratings and market analysis are Pro.

Get an API key

Free tier, no form to fill in. Signing in shares your email address with us — we store it to create your key and to recognise you if you sign in with another provider. See our Privacy Policy and Terms.

GitHub Google LinkedIn

A second provider on the same verified email joins the account you already have.