AP Payments
as a Service

You decide who to pay, we do the rest.

Finexio, an innovative leader in the B2B payments industry, delivers Accounts Payable (AP) Payments as a Service, the only fully-managed AP payments solution that leverages AI to optimize, monetize, and secure the entire payment lifecycle.

a man working on a computer
A trusted partner of some of the largest financial institutions, procurement, and accounts payable software.
a group of people sitting around a table throwing paper in the air

What is AP Payments as a Service?

Finexio offers payment delivery and operations, supplier management, fraud prevention, payment monetization strategies, and robust payment reporting and analytics. This unique combination of technology and service offers our Procure to Pay partners and corporate clients the most secure way to deliver AP payments to suppliers.

a group of people

Fully Managed Payment Delivery & Operations

  • Payment Delivery to 100% of Your Suppliers – You send us a single payment file from your AP or ERP software, and we take it from there.
  • Comprehensive Payment Options – Immediately take advantage of modern electronic payments including Virtual Cards, FinexioExpress, ACH, eCheck, paper check and wire transfer.
  • Customer Operations – We remove the burden of exception handling, disputes, and manual supplier communication from your AP team. Automated and proactive checks and balances ensure your payments are settled.

Payment Fraud Prevention & Security

  • Fraud Prevention – Finexio deploys account validation, Know Your Customer (KYC), Office of Foreign Assets Control (OFAC) programs, and Anti-Money Laundering (AML) services to prevent fraud before it happens.
  • Fraud Detection – Finexio uses AI for transaction monitoring and fraud detection to identify fraud in real time, protecting all your payments.
  • Fraud Recovery – Finexio fraud and compliance experts leverage best-in-class, specialized fraud tools to recover fraudulent payments so your team can rest easy.

Supplier Management Powered by AI

  • Data Cleaning & Enrichment – Payment data is accurate, up-to-date and robust to increase electronic payment conversion, and decrease and prevent payment delays.
  • Predictive Model for Supplier Conversion – Finexio leverages AI data technology and card issuer data sets, including industry-specific data, to optimize payment conversion.
  • Strong Supplier Relationships – Finexio communicates the value of electronic payments during multi-channel and ongoing supplier conversion campaigns.
a person wearing headphones

Monetize AP Payments

  • Revenue-Generating Electronic Payment Methods – Virtual cards and FinexioExpress are revenue-generating payments which promote faster payments, reduced risk, and improved cash flow.
  • Innovative Payment & Delivery Methods – Finexio offers efficient, safe, and secure ways to deliver payments to suppliers. Card by Mail is a revolutionary virtual card delivery method, not offered by other B2B payments providers.
business team member happy and clapping during meeting
user interface

Dynamic Payment Reporting & Analytics

  • Centralized Payment Reporting – Insight into who you’re paying, how much, and by what method.
  • Payment Lifecycle Management – Unmatched visibility into payments that you never had access to before.
  • Audit Trail – Full visibility to track down and understand the path of a payment for auditing purposes.

Why AP Payments as a Service?

Mid-market and enterprise organizations can quickly and easily adopt electronic payments with Finexio’s AP Payments as a Service, a complete payments solution that drives significant value for finance teams.

Prevent Fraud

By leveraging fraud-detecting AI and maximizing the adoption of secure electronic payments

Reduce Costs

By eliminating manual work, paper, preventing errors, and generating revenue from
existing AP spend

Save Time

By removing administrative payment tasks and supplier management

Gain Visibility & Control

With insight into who is being paid, how much, and by what method 

“Finexio is a game-changer. When someone can make things easy, it’s worth its weight in gold.”

– Daniel Condon, CFO at Phoenix Stamping

Manual Tasks Eliminated by Finexio


Eliminated by Our core services

Printing, signing paper checks
Sending payments
Reconciliation & Posting
Error management
Refunds and resends
Payment questions
Fully Managed Payment Delivery & Operations
Manual data entry
Validating supplier account information
Data storage & security
Monitoring for fraudulent payments
Payment Fraud Prevention & Security
Calling suppliers to verify information
Updating supplier information
Educate suppliers on electronic payments
Supplier Management Powered by AI
Manual effort of converting suppliers
Targeting only known virtual card acceptors
High-cost of supplier enablement with low ROI
Monetize AP Payments
Complicated and time-consuming payment audits
Manual data manipulation for reporting
Following up on outstanding payments
Dynamic Payment Reporting & Analytics

Ready to maximize the benefits of secure electronic payments?

Increase payment security.
Maximize payment monetization and cash flow.
Minimal effort with a "done-for-you" service.

Contact Us