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Platform

The whole AP payment operation, run for you.

You approve payments in your existing workflow. Supplier and payment signals help Finexio focus supplier outreach. Finexio then runs delivery, exceptions, support, and reconciliation.

Talk to sales
Finexio Payment Portal
Sample exception view
File received
Suppliers routed
Status reconciled
Product proof

The workflow is visible after the handoff.

The platform makes the operating model tangible: approved file, routed payment, supplier support, status, and reconciliation evidence.

Reporting and reconciliation

Track payment mix, status, aging, and reconciliation outputs without rebuilding your finance stack.

Industrial supplies

Virtual cardPaid

Freight and logistics

ACHPaid

Site utilities

CheckSent

Supplier payment delivery

Each supplier payment is routed to the right rail while Finexio handles delivery, exceptions, and supplier questions.

Virtual cards on the Visa network

Single-use virtual cards run on the Visa network, with J.P. Morgan as the issuing bank behind card payments.

Supplier self-service

Supplier answers are part of the payment operation.

Payment status and support-request tracking give suppliers a secure answer before another email or ticket reaches your team.

Track a PaymentExplore Supplier Help
Finexio supplier self-service
Sample privacy-first view

Secure status found

Payment is being processed.

Reference DEMO-2048 · Status lookup complete

Status available

  1. Submitted

    Payment received

  2. Processing

    Current status

  3. 3

    Delivery

    Detail after verification

More detail stays gated.

Payment method and remittance detail require the exact payment amount or the card's last four digits.

01

Verify

02

Answer

03

Route if needed

Sample of Finexio supplier self-service showing a rail-neutral payment status and privacy controls.

The operation

Finexio owns the operating work after approval.

The operating model is explicit about who handles supplier questions, exceptions, escalation, and reconciliation after approval.

  • Supplier support

    Payment-status and support-request routes give suppliers a direct path into the Finexio workflow instead of relying on the buyer's AP inbox.

  • Exception follow-through

    Finexio works returns, reissues, and delivery exceptions through the next action and reports status back to the buyer.

  • Escalation ownership

    Program roles and escalation paths are established during implementation, with service commitments documented in the applicable agreement.

  • Reconciliation return

    Payment, remittance, tracking, and final-status details return through the agreed file, API, or hybrid workflow.

When something goes wrong

A supplier calls about a payment. That call goes to Finexio, not your AP inbox. Finexio identifies the payment, works the return or reissue, updates status, and reports the outcome on your run summary. Your team sees the resolution, not the work.

Works with the systems you already run

NetSuiteSage IntacctMicrosoft DynamicsBusiness CentralQuickBooksSAPOracleCoupa

File, API, or hybrid. Finexio sits on top of the system you keep as your record.

Program scope, service commitments, and escalation paths are established during implementation and documented in the applicable agreement.

How it works

Three steps from approved file to reconciled status.

Finexio fits the way your team already works. You keep approvals, Finexio takes the rest.

  1. Send one file

    Approve payments in your AP system the way you do today. Hand Finexio one payment file. There is no new process for your team to learn.

  2. Focus the outreach, then deliver

    Finexio uses predictive models to assess likely supplier payment preferences and prioritize electronic-payment opportunities, while human enablement teams run outreach, answer questions, and work exceptions. Finexio routes and delivers approved payments according to program rules and available supplier payment options.

  3. You get status and value

    Track payment status, reconcile in full, and capture value on card-eligible spend. Every payment moves from approved to reconciled while you watch, without your team touching a single payment.

Who owns what

Your team keeps control. Finexio owns the payment operation after approval.

The handoff is simple, but the responsibilities should be explicit before launch: approvals stay with your team, and post-approval payment execution moves to Finexio.

Approvals and policy

YouApprovals, authorization, policy, funding

FinexioExecutes only approved instructions

Supplier payment data

YouSupplier records and remittance detail

FinexioValidation, outreach, and updates

Rail routing and delivery

YouProgram goals and rules

FinexioRouting and delivery, every rail

Exceptions and supplier support

YouPolicy escalations

FinexioReturns, reissues, supplier questions

Status and reconciliation

YouClose process and target systems

FinexioStatus and reconciliation back to finance

Plan the handoffDeveloper pathDiscuss technical fit with sales
Built for your whole finance org

One platform, every stakeholder covered

CFOs get a clean close. AP leaders get their time back. IT gets nothing new to run.

For CFOs

Steady cash flow, tight control, and a clean audit trail. Finexio takes the surprises out of close, so you walk into every board meeting with the numbers buttoned up.

For AP Leaders

Hand off the busywork and keep the approvals. Your team stops chasing payment status and stops working exceptions, because Finexio owns both.

For Technology and Operations

Finexio sits on top of your ERP and AP software. There is no rebuild, no migration project, and no new system for your team to run.

Security

Security built into the flow

Supplier verification, bank-account validation, payee screening, and transaction monitoring run before each payment releases. The full control matrix lives in the trust center.

Explore the trust center

Card payments run on J.P. Morgan payment infrastructure, with SOC 2 Type II controls examined by Schellman & Company and the $2M Finexio Shield behind covered payments. J.P. Morgan is the issuing bank, Visa is the card network, and Finexio is the orchestration platform that runs the operation. Finexio is not a bank.

Payment infrastructure

  • J.P. Morgan
  • Visa

J.P. Morgan is the issuing bank behind supported card payments. Visa is the card network.

Selected banking and payments partners

  • Grasshopper Bank
  • Increase
  • MassPay

Specific infrastructure roles, supported capabilities, availability, and commercial terms vary by program and contract.

Integrations

Systems we work with

Finexio works on top of how you operate today, alongside your ERP and AP software. Payments modernize without changing your stack.

  • NetSuite
  • QuickBooks
  • Sage Intacct
  • Jaggaer

Finexio runs on top of your existing ERP and AP software, with no rip and replace. You send one file, Finexio handles delivery across every rail, and reporting flows back into your systems so the books stay clean.

  • ERP and accounting-system friendly
  • Bank-file and payment-file compatible
  • Works with the approval workflow you already run
  • Designed for lightweight implementation
  • Reporting and reconciliation outputs included
  • No rip and replace of your stack

Start with the file you already have.

File-based implementations can launch in weeks. Your data readiness and security review set the pace. Send one file and watch the operation run.

Talk to sales

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, with the report issued May 4, 2026. The full report can be provided to qualified buyers and partners during sales-led diligence, subject to scope and access requirements. 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.

Common questions

What does Finexio actually run after approval?

Your team approves payments in your AP system and sends Finexio one file. Finexio validates supplier and payment data, routes each payment across virtual card, virtual card by mail, FinexioExpress accelerated ACH, ACH, or check, works exceptions, reissues, and returns, answers supplier payment questions, and returns status and reconciliation to your ERP. Approval authority stays with your team.

Does Finexio replace our AP automation or ERP?

No. Finexio runs the payment operation after approval and fits the approvals you already have. Your existing AP system remains where payments are approved, and there is nothing new for IT to run.

Which payment methods does Finexio support?

Virtual card, virtual card by mail, FinexioExpress accelerated ACH, ACH, and check. Routing depends on program structure, supplier eligibility, and agreement terms.

Who supports suppliers after a payment goes out?

Finexio does. Suppliers get payment status, enrollment, remittance, and preference help through a dedicated supplier support path rather than routing every question back to the AP team that sent the payment.