Nivelo website screenshot

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 is listed with 1 API on the APIs.io network. Tagged areas include Company, Payments, ACH, Fintech, and Payroll.

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

🌐 Visit website📡 Profile data on GitHub
25.1/100 emerging ▬ flat Agent 3/100 human only Front door AI 1/6 silent saas Full breakdown ↓
scored 2026-10-17 · rubric v0.24.0
1 API
CompanyPaymentsACHFintechPayrollRisk ManagementFraud PreventionMoney MovementReal-Time PaymentsTreasuryFedNowRTP

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-10-17 · rubric v0.24.0
Composite quality — 25.1/100 · emerging
Contract Quality 0.0 / 21
Developer Ergonomics 3.2 / 17
Access Clarity 8.5 / 17
Operational Transparency 2.9 / 11
Contract Governance 0.0 / 10
Discoverability 5.6 / 9
Regulatory Posture 4.2 / 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 →

Standards implemented 1

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

NACHA
tagged — the provider's own APIs.json carries the standard as a tag; implementation not verified

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
Login

Design & Contract 1

Pagination, idempotency, versioning, errors, and events

Lifecycle
Lifecycle

Access & Security 6

Authentication, authorization, and security posture

Authentication
Authentication
 TrustCenter
TrustCenter
 Compliance
Compliance
 DomainSecurity
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 5

The organization behind the API

Blog
Blog
 Website
Website
 About
About
 Careers
Careers
 LinkedIn
LinkedIn

Other 1

Properties that don't map to a standard resource type

X
X

Source (apis.yml)

apis.yml Raw ↑ 
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: '2026-10-06'
image: https://nivelo.io/
tags:
- Company
- Payments
- ACH
- Fintech
- Payroll
- Risk Management
- Fraud Prevention
- Money Movement
- Real-Time Payments
- Treasury
- FedNow
- RTP
tags_raw:
- 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 Prevention
  tags_raw:
  - Payments
  - ACH
  - Risk Scoring
  - Fraud Detection
  properties:
  - type: Authentication
    url: authentication/nivelo-authentication.yml
common:
- url: https://nivelo.io/blog
  type: Blog
- 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

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