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
32.0/100 thin ▬ flat Agent 10/100 human only Full breakdown ↓
scored 2026-07-28 · rubric v0.5
AccessSelf serve
1 APIs
CompanyPaymentsACHFintechPayrollRiskFraud DetectionMoney MovementReal-Time PaymentsTreasuryFedNowRTP

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-28 · rubric v0.5
Composite quality — 32.0/100 · thin
Contract Quality 0.0 / 25
Developer Ergonomics 3.0 / 20
Commercial Clarity 10.0 / 20
Operational Transparency 3.4 / 13
Governance 0.0 / 12
Discoverability 9.3 / 10
Agent readiness — 10/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
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
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. 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. Want it done for you? Prioritized profiling — $2,500 →

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 4

The organization behind the API

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
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
specificationVersion: '0.20'
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