specification: API Commons Rate Limits
specificationVersion: '0.1'
schema: https://raw.githubusercontent.com/api-evangelist/interface-research/main/schema/api-commons.yml#/$defs/RateLimits
provider: NowCerts
providerId: nowcerts
created: '2026-07-10'
modified: '2026-07-10'
reconciled: false
tags:
- Insurance
- Agency Management System
- AMS
- Rate Limiting
- Quotas
description: >-
  NowCerts does not publish fixed numeric rate limits for its REST API on the
  public help page. Practical throughput is bounded by the per-tier API
  integration allowances in the subscription plan (Professional caps the number
  of API integrations; Business and Enterprise are unlimited) and by the
  requirement that the calling user hold the "API Integration" agent role. The
  many bulk-insert endpoints (for drivers, vehicles, equipment, payments, and so
  on) suggest batching is the intended pattern for high-volume writes rather
  than high-frequency single-record calls.
notes: >-
  No per-minute or per-day numeric request cap is documented as of the review
  date. Treat limits as unknown, prefer bulk endpoints for large imports,
  implement exponential backoff with jitter, and honor Retry-After if returned.
  Verify any account-specific limits directly with NowCerts / Momentum support.
sources:
- https://api.nowcerts.com/Help
- https://api.nowcerts.com/
- https://support.momentumamp.com/support/solutions/articles/156000373566-using-the-momentum-ams-rest-api
responseCodes:
  throttled: 429
limits:
- name: REST API Requests
  scope: account
  metric: requests
  limit: not published
  notes: No fixed numeric request-rate limit is documented on the public help page.
- name: API Integrations
  scope: account
  metric: integrations
  limit: per plan
  notes: Professional caps API integrations (listed as up to 3); Business and Enterprise are unlimited.
- name: Bulk Insert Batch
  scope: endpoint
  metric: records
  limit: batch-based
  notes: Bulk endpoints (BulkInsertDriver, BulkInsertVehicle, Equipment BulkInsertUpdate, TakePaymentBatch) accept arrays; batch large imports rather than looping single inserts.
policies:
- name: Role Gating
  description: The calling user must have the "API Integration" agent role assigned; requests without it are rejected.
- name: Token Expiry
  description: Bearer tokens from /token expire and must be refreshed; clients should re-authenticate or use the token refresh flow before expiry.
- name: Backoff Strategy
  description: Clients should implement exponential backoff with jitter and honor Retry-After on 429 responses.
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com