aid: billgo
name: BillGO
description: 'BillGO is a Fort Collins, Colorado bill-payment technology company founded
  in 2015 that operates a real-time payments network connecting financial institutions,
  fintechs and billers. Its BillGO Exchange platform lets billers of any size receive
  electronic payments over ACH and one-time-use virtual cards instead of paper checks,
  and lets banks and credit unions embed real-time bill pay into their own applications.
  The Exchange web application at exchange.billgo.com is driven by a live GraphQL API
  with Okta-hosted OpenID Connect sign-in; the developer reference at docs.billgo.com
  is a private ReadMe project that redirects anonymous visitors to a login.'
image: https://billgo.com/hubfs/raw_assets/public/Billgo_January2023/images/Logo_Deep_Full.svg
url: https://raw.githubusercontent.com/api-evangelist/billgo/refs/heads/main/apis.yml
x-type: company
x-source: harvest:secondary-market
specificationVersion: '0.23'
created: '2026-08-07'
modified: '2026-08-07'
tags:
- Payments
- Bill Pay
- Financial Services
- Banking
- ACH
- Virtual Cards
- Fintech
- GraphQL
apis:
- name: BillGO Exchange GraphQL API
  description: 'The GraphQL API behind the BillGO Exchange biller portal. A live graphql-java
    server answers POST requests at https://exchange.billgo.com/graphql; schema introspection
    is disabled by the server, so no SDL could be captured. Authentication is Okta-hosted
    OpenID Connect via https://exchange-login.billgo.com/oauth2/default.'
  humanURL: https://docs.billgo.com/
  baseURL: https://exchange.billgo.com/graphql
  tags:
  - GraphQL
  - Payments
  - Bill Pay
  properties:
  - type: Login
    url: https://exchange.billgo.com/login
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: TrustCenter
  url: security/billgo-trust-center.yml
- type: DomainSecurity
  url: security/billgo-domain-security.yml
- type: Website
  url: https://billgo.com/
- type: Blog
  url: https://billgo.com/blog
- type: Support
  url: https://billgo.com/contact
- type: SignUp
  url: https://start.billgo.com/
- type: Login
  url: https://exchange.billgo.com/login
- type: TermsOfService
  url: https://billgo.com/terms-and-conditions
- type: PrivacyPolicy
  url: https://billgo.com/privacy-policy
- type: Security
  url: https://billgo.com/security
- type: Compliance
  url: https://billgo.com/security
- type: StatusPage
  url: https://billgo.statuspage.io/
- type: WellKnown
  url: well-known/billgo-well-known.yml
- type: Authentication
  url: authentication/billgo-authentication.yml
- type: OAuthScopes
  url: scopes/billgo-scopes.yml
- type: Conformance
  url: conformance/billgo-conformance.yml
- type: Conventions
  url: conventions/billgo-conventions.yml
- type: Lifecycle
  url: lifecycle/billgo-lifecycle.yml
- type: LLMsTxt
  url: llms/billgo-llms.txt
x-enrichment:
  date: '2026-08-07'
  status: minimal
  artifacts_added: 10
  pass: local-v1
x-coverage:
  state: gated
  reason: partner-login
  detail: >-
    docs.billgo.com — the only BillGO developer reference — is a private ReadMe project
    that answers every path, including /reference and /openapi.json, with an HTTP 302 to
    https://dash.readme.com/to/billgo-group, so no contract, endpoint list or auth guide
    is readable without a BillGO account; the live GraphQL endpoint at
    exchange.billgo.com/graphql confirms the API exists but returns
    "Introspection has been disabled for this request".
  evidence:
  - url: https://docs.billgo.com/reference
    status: 302
  - url: https://docs.billgo.com/openapi.json
    status: 302
  - url: https://exchange.billgo.com/graphql
    status: 200
  - url: https://billgo.com/developers
    status: 404
  checked: '2026-08-07'