-min.png)
Designed to Protect Digital Payments
Avoid payment fraud and Cyber Threats
Real-time risk alerts notifying you when a transaction carries a heightened risk of failure
Shrink fees and penalties from ACH Returns
Prevent payment failures before they happen by identifying transaction risk ahead of origination
Reduce balance sheet risk for fronted payments
Send transactions with low credit-risk straight through with added confidence
Increase the speed of funds availability
Hyper-boost transactions reviewed as safe for speedier or same day delivery
Scorer Engine Features
Execute successful transactions with confidence
Embeded Scoring
Designed API-first to integrate into your Payment origination system within hours or leverage our NACHA file uploader.
Explainable Output
Each transaction flagged for further review has a clear explanation and action based on NSF, admin or risk of fraud.
24/7 Risk Detection
Ongoing account information and payment detail verification for added protection on each executed transaction.
Automated Workflows
Triage risky transactions with self service workflows automated across HR admins and Employees.
Custom Rules + Alerts
Control how and when you are notified of risky transactions. Customize Email and SMS alerts to alert HR admins and Employees directly.
NACHA Information Security Compliant
Account numbers and other personally identifiable information are obfuscated on our UI, encrypted and never leave our infrastructure.
See how Nivelo’s Scorer Engine is helping institutions like yours
Bill Pay
Reduce risk of NSF failure when collecting funds with real time verification on each transaction.
Direct Deposit
Ensure active employees are paid on time, without failure every pay cycle.
How the Scorer Engine Works
Initiate Transaction
Send payment details of the credit or debit transaction from your web and mobile application to Nivelo’s Scorer Enging prior to payment origination.
Transaction Verified
Nivelo receives transaction API call for near instantaneous review.
Real-Time Risk Review
Nivelo leverages fast performing machine learning tecnique leverages thousands of signals to identify likelihood transaction is at thread from cybercriminal threats and processing errors.
Targeted verification, minimal friction
Non-risky transactions are sent straight-through for immediate settlement. Risky transactions have clear explanation of risk signals and recommended steps to triage, making it easier to authenticate only what you need to.
Execute with Confidence
Once reviewed, the transaction is ready to be executed. You’ll share automated feedback on the outcome of the payment, which helps Nivelo’s Scorer Engine continually provide optimal results.
Proven Impact
Nivelo's Scorer Engine has prevented employer debit failures; reducing our exposure risk. The tool has also prevented multiple fraudulent employee direct deposit updates by flagging the updated account number for review
