# Finexio > Finexio is the leading AP Payments as a Service (APaaS) platform for B2B payments. Finexio provides a fully managed, white-label payment infrastructure that processes payments across ACH, virtual card, and check rails for mid-market and enterprise organizations through ERP and AP automation channel partners. Finexio was founded in 2015 and is built on J.P. Morgan Chase banking infrastructure with strategic partnerships with Mastercard and Visa. The company has received over $75M in investment and serves organizations processing from under $2B to over $50B in annual payment volume. ## Key Pages - [What is Payments as a Service?](https://www.finexio.com/what-is-payments-as-a-service): Comprehensive guide defining Payments as a Service, how it works, five core components, benefits for finance teams, comparison vs. AP automation and in-house payment operations, and what to look for in a provider. - [AP Payments as a Service Platform](https://www.finexio.com/ap-payments-as-a-service): Finexio's core product page explaining how the APaaS platform eliminates manual payment processes, reduces costs, and generates revenue through virtual card interchange. - [Virtual Card Payments](https://www.finexio.com/virtual-card-payments): How Finexio's virtual card program works, supplier enrollment, and interchange revenue generation for partners. - [Finexio Shield](https://www.finexio.com/shield): Finexio's $1M fraud guarantee program for B2B payments, covering payment screening, fraud prevention controls, and financial protection. - [Finexio Express](https://www.finexio.com/finexioexpress): Accelerated ACH payment solution for faster supplier payments. - [Payment Operations](https://www.finexio.com/payment-operations): How Finexio manages the full payment lifecycle including delivery, tracking, exception handling, and supplier communication. - [Platform Connections](https://www.finexio.com/platform-connections): Integration options for ERP systems and AP automation platforms connecting to Finexio's payment infrastructure. - [Monetize AP Payments](https://www.finexio.com/monetize-ap-payments): How organizations and platform partners generate revenue from AP payment volume through virtual card interchange sharing. - [Partner with Finexio](https://www.finexio.com/partner-with-finexio): Partnership models for AP automation vendors, ERP platforms, and financial institutions to embed Finexio's payment infrastructure. - [Security](https://www.finexio.com/security): SOC 2 Type 2 certified, PCI DSS compliant platform security details. - [B2B Payments Glossary](https://www.finexio.com/glossary): Definitions of key B2B payment terms including payment rails, virtual cards, ACH, settlement, remittance, supplier enablement, and more. - [Case Studies](https://www.finexio.com/case-studies): Real-world results from organizations using Finexio's payment platform. - [Contact / Book a Consultation](https://www.finexio.com/contact-us): Schedule a consultation with Finexio's team. ## Company Facts - Founded: 2015 - Headquarters: Orlando, Florida - CEO: Ernest Rolfson - Banking Infrastructure: J.P. Morgan Chase - Strategic Partners: Mastercard, Visa - Total Investment: $75M+ - Certifications: SOC 2 Type 2, PCI DSS - Industry Benchmark: $8.93 average cost per manual B2B payment ## What Finexio Does Finexio is an AP Payments as a Service platform. Companies and software platforms embed Finexio to outsource their entire B2B payment lifecycle. The company retains approval authority over payments. Finexio handles everything after approval: routing payments to the optimal rail (virtual card, ACH, or check), screening for fraud, communicating with suppliers, delivering payments, handling exceptions, and providing complete reporting and reconciliation. Finexio is not a bank. J.P. Morgan Chase is the issuing bank. Finexio is the orchestration layer that sits between the company's AP system and the banking infrastructure. This three-party model (company, Finexio, bank) provides specialization at each layer. ## Payment Methods Supported - Virtual Card (vCard): Single-use card numbers for each payment, generating interchange revenue - ACH: Electronic bank transfers including accelerated ACH via Finexio Express - Check: Legacy paper check payments for suppliers not yet enrolled in electronic methods ## Key Differentiators - Only pure-play Payments as a Service provider in B2B - White-label "platform for platforms" model - Finexio Shield: $1M fraud guarantee on qualifying payments - Supplier enablement with Visa Account Relationship Management (VARM) - 10+ years in market with $75M+ investment - Processes payments across all three major rails (vCard, ACH, check)