Verituity

Verituity is a McLean, Virginia payment integrity platform that verifies the file, the payee, the account and the payment instruction at the moment of authorization, before money moves, across any payment rail. The platform is organized as six services — Connect (ingest any batch file or REST call and normalize it to ISO 20022), Detect (duplicate and out-of-pattern screening), Eligibility (payee qualification against OFAC, SAM and payer-private lists), Verify (identity and bank account ownership verification), Pay (rail optionality and orchestration across ACH, RTP, wire, push-to-card, virtual card, PayPal, Zelle, Venmo, check and cross-border) and Explain (evidence and lineage on every decision). Its developer-facing product is Verification-as-a-Service, a single POST /v1/verifications call that runs four verification modules and returns one normalized decision/tier/reason_code response regardless of which underlying data source answered.

Verituity is listed with 1 API on the APIs.io network. Tagged areas include Payments, Payouts, Disbursements, Identity Verification, and Account Verification.

The Verituity catalog on APIs.io includes 1 event-driven AsyncAPI specification.

Verituity’s developer surface includes engineering blog, documentation, API reference, getting-started guide, pricing, sandbox, authentication, and 18 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

49.0/100 developing ▬ flat Agent 30/100 agent ready Front door AI 1/6 silent Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessPaidSelf serve

1 API

Payments Payouts Disbursements Identity Verification Account Verification Fraud Prevention Payment Integrity Banking Financial Services Public Sector ISO 20022 Compliance Company

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 49.0/100 · developing

Contract Quality 9.6 / 21

Developer Ergonomics 10.1 / 17

Access Clarity 13.4 / 17

Operational Transparency 0.0 / 11

Contract Governance 1.9 / 10

Discoverability 5.6 / 9

Regulatory Posture 4.2 / 15

Agent readiness — 30/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 9 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 6 / 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

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance 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/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document
Delegated User Identity +6 pts — a served discovery document listing authorization_code in grant_types_supported (served), else an oauth2 authorizationCode flow or openIdConnect declared in an OpenAPI (documented)
Documented Reversibility +6 pts — a reversal operation in the contract, graded up when a window is documented too

6 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 45.3 — up to +13.7 composite points
Operational Transparency scores 0.0 — up to +13.0 composite points
Contract Governance scores 18.2 — up to +9.8 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

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 the provider profile at artifacts.apis.io/verituity/apis.yml: open an issue on github.com/api-evangelist/verituity to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Biometrics Testing (biometric recognition vendors, identity verification depth)	undeclared	-	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

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.

ISO 20022

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.

Verituity Verification API

Verification-as-a-Service. A single POST /v1/verifications call declares which verification modules to run — organization_identity, individual_identity, payment_method and payee...

Verituity API pricing

Prices published by Verituity, read 2026-10-28 from verituity.com/developers.

Plan	Price
Organization Identity	$2.50/ inquiry Includes: enhanced
Individual Identity	$1.00/ inquiry Includes: single tier
Payment Method Validation	$3.00/ inquiry Includes: enhanced
Payee Eligibility (PQS)	TBD/ inquiry Includes: PQS · quoted

Plan details, limits and sources →

Billed by: inquiry · FinOps profile →

Pricing Plans 1

Published pricing tiers and plan structures.

Verituity Plans Pricing

4 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Verituity Rate Limits

0 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Verituity Finops

FINOPS

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Verituity Webhooks

ASYNCAPI

Security Posture 2

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

Verituity Authentication

2 schemes

SECURITY

Verituity Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Get Started 3

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

Sandbox

Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

Conventions

Idempotency

ErrorCatalog

DataModel

Conformance

Lifecycle

Build 3

SDKs, sample code, and the tooling you integrate with

DeclineCodes

DeclineCodes

Examples

Examples

Packages

Packages

Access & Security 3

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

Compliance

Compliance

Operate 1

Status, limits, changes, and where to get help

RateLimits

RateLimits

Commercial 4

Pricing, plans, and the legal terms of use

TermsOfService

PrivacyPolicy

Pricing

Plans

Company 2

The organization behind the API

Blog

Blog

Website

Website

Source (apis.yml)

aid: verituity
name: Verituity
description: Verituity is a McLean, Virginia payment integrity platform that verifies the file, the payee, the account and
  the payment instruction at the moment of authorization, before money moves, across any payment rail. The platform is organized
  as six services — Connect (ingest any batch file or REST call and normalize it to ISO 20022), Detect (duplicate and out-of-pattern
  screening), Eligibility (payee qualification against OFAC, SAM and payer-private lists), Verify (identity and bank account
  ownership verification), Pay (rail optionality and orchestration across ACH, RTP, wire, push-to-card, virtual card, PayPal,
  Zelle, Venmo, check and cross-border) and Explain (evidence and lineage on every decision). Its developer-facing product
  is Verification-as-a-Service, a single POST /v1/verifications call that runs four verification modules and returns one normalized
  decision/tier/reason_code response regardless of which underlying data source answered.
accessModel:
  pricing: paid
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  gated: none
  gated_source:
  - onboarding
  label: Paid · Self-serve signup
  confidence: high
  source:
  - plans
  - authentication
  - rate-limits
  - security
  - sandbox
  generated: '2026-11-06'
  method: derived
image: https://verituity.com/img/og-default.png
url: https://raw.githubusercontent.com/api-evangelist/verituity/refs/heads/main/apis.yml
x-type: company
x-source: harvest:secondary-market
specificationVersion: '0.20'
created: '2026-09-02'
modified: '2026-10-06'
tags:
- Payments
- Payouts
- Disbursements
- Identity Verification
- Account Verification
- Fraud Prevention
- Payment Integrity
- Banking
- Financial Services
- Public Sector
- ISO 20022
- Compliance
- Company
tags_raw:
- Payments
- Payouts
- Disbursements
- Identity Verification
- Account Verification
- Fraud Prevention
- Payment Integrity
- Banking
- Financial Services
- Public Sector
- ISO 20022
- Compliance
- Company
- Financial-Services
apis:
- name: Verituity Verification API
  description: Verification-as-a-Service. A single POST /v1/verifications call declares which verification modules to run
    — organization_identity, individual_identity, payment_method and payee_qualification (PQS) — against a payee and an optional
    payment_account, and returns one normalized response carrying a decision, a tier, a reason_code and a score per module.
    Requests are authenticated with an OAuth 2.0 machine-to-machine bearer token (certificate-bound mTLS, RFC 8705, for production),
    carry an Idempotency-Key, and may be forced to deterministic sandbox outcomes with the X-Sandbox-Test-Outcome and X-Sandbox-Test-Path
    headers. Long-running inquiries return 202 with a poll_url.
  humanURL: https://verituity.com/developers
  baseURL: https://platform.dev.verituityplatform.com/v1
  x-base-url-note: 'This is a NON-PRODUCTION host, and it is the only base URL Verituity publishes anywhere. It is printed
    verbatim on https://verituity.com/developers as the sandbox base_url, and it is live — POST /v1/verifications returns
    HTTP 401 with WWW-Authenticate: Bearer realm="verification-api-dev". No production base URL appears on the site, in the
    code samples, or in any well-known document; api.verituityplatform.com resolves but does not answer, and platform.verituityplatform.com
    does not resolve. Recorded as published rather than guessed: inventing a production hostname from the domain would be
    fabrication.'
  tags:
  - Verification
  - Identity
  - Payments
  - Payouts
  properties:
  - type: Documentation
    url: https://verituity.com/developers
  - type: APIReference
    url: https://verituity.com/developers
  - type: GettingStarted
    url: https://verituity.com/developers
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- url: https://verituity.com/blog
  type: Blog
- type: DomainSecurity
  url: security/verituity-domain-security.yml
- type: Website
  url: https://verituity.com/
- type: DeveloperPortal
  url: https://verituity.com/developers
- type: Documentation
  url: https://verituity.com/developers
- type: APIReference
  url: https://verituity.com/developers
- type: GettingStarted
  url: https://verituity.com/developers
- type: TermsOfService
  url: https://verituity.com/terms
- type: PrivacyPolicy
  url: https://verituity.com/privacy
- type: Pricing
  url: https://verituity.com/developers
- type: Sandbox
  url: sandbox/verituity-sandbox.yml
- type: Authentication
  url: authentication/verituity-authentication.yml
- type: Conventions
  url: conventions/verituity-conventions.yml
- type: Idempotency
  url: conventions/verituity-conventions.yml
- type: ErrorCatalog
  url: errors/verituity-problem-types.yml
- type: DeclineCodes
  url: errors/verituity-decline-codes.yml
- type: RateLimits
  url: rate-limits/verituity-rate-limits.yml
- type: Plans
  url: plans/verituity-plans-pricing.yml
- type: Examples
  url: examples/verituity-verification-examples.yml
- type: DataModel
  url: data-model/verituity-data-model.yml
- type: Conformance
  url: conformance/verituity-conformance.yml
- type: Compliance
  url: conformance/verituity-conformance.yml
- type: Lifecycle
  url: lifecycle/verituity-lifecycle.yml
- type: Packages
  url: packages/verituity-packages.yml
- type: LLMsTxt
  url: llms/verituity-llms.txt
x-enrichment:
  date: '2026-09-02'
  status: enriched
  artifacts_added: 17
  pass: local-v1

Verituity API — frequently asked questions

Does Verituity have an API?

Yes. APIs.io lists 1 API from Verituity, including Verituity Verification API.

How do I authenticate with the Verituity API?

Verituity uses bearer-token authentication (2 schemes). The details are profiled on APIs.io as Verituity Authentication.

How much does the Verituity API cost?

Verituity publishes its prices; its Organization Identity plan is $2.50/ inquiry as of 2026-10-28. APIs.io lists 4 pricing plans for Verituity, with each plan's price, limits and inclusions under Pricing on this page.

Is the Verituity API ready for AI agents?

Verituity has a Kin Score of 49.0 out of 100 (developing) and an Agent Readiness score of 29.7 (agent-ready), scored by API Evangelist on 2026-11-06.

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