FinexioExpress™ Is Our Enhanced Direct Deposit Solution

Swift. Secure. Seamless.

Have suppliers that don't accept cards? Introducing a new payment option designed to help you optimize even more of your AP spend.

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Send payments faster and more securely than paper checks with an exponentially lower discount compared to credit card rates

Cash Back

Generate revenue off discounts from supplier payments


Transactions monitored and protected 24/7 against fraud


Payments delivered next day (if using wire debit funding) or within 4-5 business days per industry standard


24/7 access to actionable payments data through our customer portal

Move AP spend off paper checks to FinexioExpress™, a new way to pay fast, secure, and at a lower cost

Ready to pay suppliers faster?

Frequently Asked Questions

What happens if there is a dispute on an invoice?

If you are engaged in a dispute that cannot be resolved within eight days of receipt the invoice must be removed from the early payment program.

How do I share my approved invoices with you?

For the program to work and for your suppliers to get paid inside 10 days from receipt of invoice, it’s required that you share approved invoices with us on a daily basis.

What is the cost for adopting FinexioCash?

There is no upfront fee for this solution. Our business model is based on benefitting from the early payment discounts. However, we reserve the right to charge a fee for helping you implement a payment terms extension with your suppliers if this is undertaken by the Finexio team.

How much will it cost my suppliers?

Your suppliers are charged a 2% fee in exchange for payment within 10 days from receipt of invoice. This is in line with credit card fees but with the additional benefit of getting your suppliers paid much faster. The funds are deposited directly into their bank account without the cost or hassle of paper checks.

Can I just sign up to FinexioCash without also adopting the payments solution?

No. We can pay approved invoices early using our funding, or we pay them at maturity using your funds.

How much cash can I free up?

We compare your vendor payment terms to the industry standard in use by your peer group. We then run an analysis to determine if the new terms will have a cash benefit to your business and what amount.. An easy way to start is by using our online cash flow calculator. Or, if you want a more detailed assessment one of our sales team will be happy to help.

How long does this program take to set up?

A Matter of weeks. It’s really down to how fast you want to work. Typically, we agree which suppliers to include in the program and enroll them in your name.  Then you send us a daily file of invoices for the approved suppliers within eight days from receipt of invoice.

If you want to extend payment terms this aspect of the program typically takes longer as we work together to identify which suppliers should be included, and then undertake outreach on your behalf and establish your suppliers on new payment terms.

How do you pay our suppliers?

We pay your suppliers through automated ACH with the funds being deposited directly into their banks account.

When do we pay invoices that have been paid early?

You commit as part of the contractual program terms and conditions to pay all approved invoices that have been paid early by us at invoice maturity, at the full amount and on time.

Why is this better than a V Card program?

The key difference between a V Card program and FinexioCash is that with this program your suppliers have the opportunity to get paid faster while you can take longer to pay. This means that both you and your supplier put additional cash onto your balance sheets.

A sliding calculator determining how much cash you could potentially unlock with Finexio's OnDemand solution