Questions about AP payments, answered.

AP Payments as a Service is a fully managed model for business payments. You approve payments in your AP system and send Finexio one file. Finexio then handles payment delivery, supplier enablement, exceptions, fraud prevention, and reporting across every rail, so your team does not have to run the operation.

You keep your existing approval workflow and hand Finexio a single payment file. Finexio picks the optimal payment method for each supplier, runs supplier enablement, works every exception, and returns real-time status and reconciliation to your systems.

The managed scope can cover supplier payment-method outreach, rail selection, payment delivery, check handling, failed or returned payments, reissues, supplier status questions, exception follow-up, payment reporting, and reconciliation outputs. Exact responsibilities are confirmed in implementation and the customer agreement.

Your team keeps invoice approval, payment authorization, policy decisions, funding context, and close requirements. Finexio runs the post-approval payment operation defined for the program. The operating model is designed to remove payment work without taking approval control away from finance.

Finexio orchestrates virtual card, virtual card by mail, FinexioExpress (accelerated ACH), standard ACH, and check. Finexio routes each payment to the best method for that supplier, with virtual card prioritized where the supplier accepts cards.

J.P. Morgan is the issuing bank behind card payments and provides payment infrastructure for supported workflows. Finexio is the orchestration platform that runs the operation, not a bank, and payment methods depend on program structure. Virtual cards run on the Visa network for supported card workflows.

Finexio verifies supplier bank-detail changes, screens payees, and monitors transactions before release. Finexio Shield is a paid program that provides a $2M guarantee on covered payments. It is governed by its own program terms, eligibility, exclusions, and the applicable customer agreement.

Finexio Shield is a paid program that provides a $2M guarantee on covered payments. It is governed by its own program terms, eligibility, exclusions, and the applicable customer agreement.

Standard starts at $2,000/month for qualifying programs with $25M+ in annual AP spend. Enterprise pricing is custom above $100M. One-time setup fee, program scope, pass-through costs, payment mix, supplier file quality, and contract terms may apply.

Yes. Finexio runs on top of your existing ERP and AP software, including systems like NetSuite, QuickBooks, Sage Intacct, and Jaggaer. There is no rip and replace, and reconciliation flows back into your systems.

Yes. A file-first implementation can start from the approved payment export your current ERP, AP, or procurement system already produces. The implementation team then confirms required supplier and invoice fields, secure transfer, exception ownership, status outputs, and reconciliation needs before production payments move.

Finexio publishes a Developer Hub with implementation guides and API references for buyer and supplier data, invoice batches, payments, webhooks, and reconciliation. API-led, embedded-partner, file-first, and hybrid scopes should be confirmed with Finexio implementation because environment access and production behavior depend on the approved program design.

Many file-based implementations can launch in weeks, depending on data readiness, security review, integrations, approvals, and program scope. Finexio can often begin with the approved payment file your current stack already produces, so implementation does not have to start as a rip-and-replace project.

Finexio's SOC 2 Type II examination was performed by Schellman & Company, LLC, covering controls relevant to Security for the period April 1, 2025 to March 31, 2026. The full report can be provided to qualified buyers and partners during sales-led diligence, subject to scope and access requirements. J.P. Morgan is the issuing bank behind card payments and provides payment infrastructure for supported workflows. Finexio is the orchestration platform that runs the operation, not a bank, and payment methods depend on program structure. Finexio also builds supplier verification, screening, and payment monitoring into the payment workflow.

Finexio enrolls and supports your suppliers for you. We confirm how each supplier wants to be paid, verify their bank details before any change takes effect, answer their payment questions, and work every exception. Your suppliers get paid on time and your team stops fielding payment status calls.

Exceptions move into the managed payment workflow instead of remaining in the AP inbox. Finexio tracks the payment state, coordinates the supplier follow-up that applies to the issue, and returns status or reconciliation information to the customer. The exact exception path and ownership are documented during implementation.

The program is designed to return payment status, payment method, exception context, remittance and tracking references, reconciliation details, and payment-program reporting. Required fields, cadence, file or API format, and downstream system owners should be agreed before launch.

No. Finexio Shield applies only to eligible covered payments and remains subject to program terms, exclusions, and the applicable customer agreement. Buyers should request the current coverage materials during security and commercial review rather than assuming every supplier, rail, or payment qualifies.

Bring annual AP spend, monthly payment count, supplier count, current check share, card-eligible spend assumptions, a representative approved payment file, known exception volume, security-review owners, and required status and reconciliation outputs. Those inputs let finance and implementation teams evaluate fit without relying on a generic demo.

Finexio earns through subscription pricing and payment-network economics on eligible virtual-card transactions. Buyers should model final program value under their agreement rather than assuming every supplier or every payment creates value.

For payment status, supplier questions, or account support, use the Finexio Help Center or submit a support ticket. The sales team handles demos and new accounts and cannot resolve live payment support through the contact form. Existing customers and their suppliers should start at the Help Center.