One platform. Every job in AP payments.
Approval is where most AP tools stop. Finexio picks up the rest. We run the full payment lifecycle after approval, from one file to delivery, supplier care, reconciliation, fraud defense, and value on eligible spend you already have.
Built on J.P. Morgan payment infrastructure and backed by Finexio Shield, so your team can hand off the work and keep the control.
Post-approval operating model
One approved file becomes a managed payment run.
Pay run reconciliation
128 payments · 3 rails · one file
Industrial supplies
$18,540
ReconciledFacilities services
$11,220
ReconciledFreight and logistics
$8,960
PaidRun total
Status and reconciliation flow back to your ERP
Status, exceptions, reporting, and payment value are reviewed in one operating view.
Send one file. We run the rest.
Your team approves. Finexio takes over from there. One payment file drives end-to-end delivery across check, ACH, and virtual card, and the day-to-day operations stop being your problem.
- One file in, supplier payments out. Finexio picks the right rail for each supplier and sends it, no manual sorting on your side.
- Live payment status, so your team knows what cleared, what is in flight, and what needs attention.
- Exceptions, reissues, and returns are handled for you. Finexio chases the problem payment so your AP staff does not have to.
- Every manual payment carries real processing cost. Taking that work off your desk can pay for itself, depending on payment volume, mix, and program terms.
Suppliers paid right, by people who answer the phone.
Predictive supplier intelligence helps focus enablement; Finexio people carry the operational accountability.
- Clean, validated supplier records so payments land the first time and stay current as suppliers change.
- AI informs supplier enablement strategy; Finexio teams run payment operations, and customer approval authority and payment controls stay explicit before funds move.
- A live human enablement team that calls suppliers and resolves questions, so your AP staff does not have to become the supplier help desk.
- Higher electronic adoption over time, which means fewer checks, faster payments, and more spend running through secure rails.
Every payment, one place, audit ready.
No more stitching together reports from three systems. Finexio gives finance one portal for reconciliation, status, aging, and the audit trail behind every dollar that moved.
- Reconciliation files that tie back to your ERP cleanly, so month-end closes faster.
- Real-time payment status and aging across check, ACH, and card, all in one view.
- Reviewable audit trails on payment activity, with the detail your auditors and SOC 2 Type II controls expect.
- Spend visibility that shows where your money goes and which suppliers are ready to move electronic.
Stop the bad payment before the money moves.
Most payment fraud starts with a changed bank account or a fake supplier. Finexio screens for both and monitors every transaction, so the controls live in the payment flow instead of in a spreadsheet.
The controls run on J.P. Morgan payment infrastructure, with SOC 2 Type II diligence behind them. The full release-gate control matrix lives in the trust center.
The guarantee behind covered payments.
Fraud prevention stops the bad payment before money moves. Shield is the other half: the guarantee that stands behind the payments Finexio covers.
- Available as a paid program on covered payments.
- A clear review path for what is covered, what is excluded, and which operating procedures apply.
- Backing that helps finance leaders evaluate payment risk with a defined coverage path instead of a vague promise.
How Shield works
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.
Covered
- Eligible covered payments Finexio executes on supported rails.
- Claims follow the program's documented operating procedures.
Not covered
- Payments outside the program.
- Ineligible transactions.
- Exclusions defined in the applicable customer agreement.
Turn eligible AP spend into payment value.
The payments you make every month can produce economic upside instead of just cost. Finexio moves eligible spend to virtual card and FinexioExpress and creates value from it, with no change to how your team approves invoices.
- Virtual cards on the Visa network that turn eligible payables into value on spend you were already making.
- FinexioExpress extends monetization to more of your supplier base, so the upside is not limited to a handful of vendors.
- No approval changes. Your existing workflow stays exactly as it is, Finexio does the work behind it.
- Finexio is the orchestration platform, using J.P. Morgan payment infrastructure, so the economics sit on a credible infrastructure path.
Go deeper where your program needs it.
Payment methods, industry fit, and supplier-side services each have a dedicated page.
Payment Methods
Virtual card, FinexioExpress, ACH, card by mail, and check, matched to each supplier.
Explore payment methods→Industries
How AP payment programs run in manufacturing, healthcare, construction, education, and more.
Explore industries→Merchant Services
Card acceptance and enablement paths for the supplier side of the payment.
Explore merchant services→Hand off AP payments. Keep the control.
See how Finexio runs the full payment lifecycle, from one file to delivery, supplier care, fraud defense, and payment value. Built on J.P. Morgan payment infrastructure and backed by Finexio Shield.
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'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. Finexio Shield is a paid program governed by its own program terms, eligibility, exclusions, and the applicable customer agreement.