Nowpay

NowPay is an employer-integrated financial wellness platform whose core product lets employees access their earned salary early and repay it in installments, positioned as a workplace benefit rather than a consumer lender. It was surfaced as a portfolio company of 500 Global and added to the API Evangelist network. As of this enrichment pass NowPay publishes only a client-rendered marketing site (nowpay.cash, which redirects to nowpay.com) with no public developer portal, API reference, OpenAPI, SDKs, or /.well-known discovery surface; every probed path returns the single-page-app shell. This profile therefore carries identity and a live domain-security probe only.

Nowpay is profiled on the APIs.io network. Tagged areas include Company, Fintech, Financial Wellness, Earned Wage Access, and Salary Advance.

🌐 Visit website 📡 Source on GitHub

1.5/100 minimal ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

0 APIs

Company Fintech Financial Wellness Earned Wage AccessSalary AdvancePayroll Employee Benefits Embedded Finance Payments

Kin Score

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

Composite quality — 1.5/100 · minimal

Contract Quality 0.0 / 21

Developer Ergonomics 0.0 / 17

Access Clarity 0.0 / 17

Operational Transparency 0.0 / 11

Contract Governance 0.0 / 10

Discoverability 4.3 / 9

Regulatory Posture 1.4 / 15

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 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/nowpay: 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 →

Security Posture 1

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

Nowpay Domain Security

TLSv1.3 · HSTS

SECURITY

Resources

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Company 1

The organization behind the API

Website

Website

Source (apis.yml)

aid: nowpay
name: Nowpay
description: NowPay is an employer-integrated financial wellness platform whose core product lets employees access their earned
  salary early and repay it in installments, positioned as a workplace benefit rather than a consumer lender. It was surfaced
  as a portfolio company of 500 Global and added to the API Evangelist network. As of this enrichment pass NowPay publishes
  only a client-rendered marketing site (nowpay.cash, which redirects to nowpay.com) with no public developer portal, API
  reference, OpenAPI, SDKs, or /.well-known discovery surface; every probed path returns the single-page-app shell. This profile
  therefore carries identity and a live domain-security probe only.
url: https://raw.githubusercontent.com/api-evangelist/nowpay/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- 500-global
x-tier: stub
x-tier-reason: portfolio-lead
deliveryModel:
  model: unknown
  open_source: false
  commercial: false
  callable_host: false
  label: Delivery model not determined — needs a product licence on record
  confidence: low
  source:
  - none
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-20'
image: https://elasticbeanstalk-us-east-1-927288046810.s3.us-east-1.amazonaws.com/Logos/NowPay%20Logo.png
tags:
- Company
- Fintech
- Financial Wellness
- Earned Wage Access
- Salary Advance
- Payroll
- Employee Benefits
- Embedded Finance
- Payments
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://nowpay.com
- type: DomainSecurity
  url: security/nowpay-domain-security.yml
x-enrichment:
  date: '2026-07-20'
  status: minimal
  artifacts_added: 1
  pass: local-v1

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