Choose the right AP payment method for the supplier scenario.
Compare virtual card, FinexioExpress, ACH, virtual card by mail, and check fit from supplier preference, timing, remittance, verification, and eligibility signals.
Rail fit scores
What to verify before release.
- Confirm supplier preference and payment-method eligibility.
- Keep status, remittance, and reconciliation consumers aligned.
- Retain fallback rails for exceptions and long-tail suppliers.
Methodology and assumptions
The selector is a directional model. It scores rail fit from editable signals, then shows a primary rail and fallback sequence. Final Finexio routing depends on supplier preference, payment eligibility, data verification, risk review, program scope, and agreement terms.
Inputs this tool uses
- Payment amount, supplier preference, timing need, and remittance delivery.
- Bank-data confidence and card-eligibility confidence.
- Fallback needs when a supplier cannot accept the highest-value electronic rail.
Outputs to take forward
- Recommended primary rail and fallback rail sequence.
- Rail-fit scores for virtual card, FinexioExpress, ACH, virtual card by mail, and check.
- Verification prompts before releasing the payment.
Frequently asked questions
How does Finexio choose a payment method?
Finexio evaluates supplier preference, payment eligibility, payment amount, remittance needs, verification signals, program scope, and fallback rails before routing a supplier payment.
Is the selector a final payment-routing decision?
No. It is a planning aid. Final payment routing depends on supplier data, program setup, risk review, available payment methods, and agreement terms.
Why keep check as an option?
Check is long-tail coverage for suppliers that cannot be moved to an electronic method yet. The goal is to reduce paper over time while keeping every supplier payable.
Need rail decisions across the whole supplier file?
Finexio can review supplier payment history, eligibility, remittance needs, verification posture, and fallback coverage to build a practical routing plan.