Payment Gateway · Beta

Finexio
API integration

Ship Payment Gateway features without building the integration. Full Finexio API access via Proxy and 20+ MCP-ready tools for AI agents — extend models and mappings to fit your product.

Built for specific customer use cases. Issues are resolved quickly.

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Use Cases

Why integrate with Finexio

Common scenarios for SaaS companies building Finexio integrations for their customers.

Embed one-click AP payments in your P2P platform

Let your users execute approved invoice batches without leaving your app or downloading NACHA files. Hand off check, ACH, wire, and virtual card execution to Finexio while keeping your platform as the system of record.

Monetize your accounts payable workflow

SaaS platforms in procurement, ERP, and expense management can offer Finexio-powered virtual card payments to generate cash-back revenue share for their customers, turning AP into a margin line instead of a cost center.

Automate vendor master sync for vertical ERPs

Property management, construction, and healthcare ERPs can push approved vendors into Finexio automatically, offloading bank validation, KYC, and supplier outreach to Finexio's enablement team.

Eliminate manual GL reconciliation

Accounting automation tools can match bulk bank drawdowns to itemized supplier payments, auto-generating balanced journal entries instead of forcing controllers to reconcile lump-sum debits by hand.

Ship white-labeled proof of payment

Keep users inside your product by displaying check images and payment lifecycle status natively, so they never need to log into a separate Finexio portal to confirm a supplier was paid.

What You Can Build

Ship these features with Truto + Finexio

Concrete product features your team can ship faster by leveraging Truto’s Finexio integration instead of building from scratch.

Bulk invoice payment runs

Submit up to 500 approved invoices in a single batch to Finexio for execution, linking each to the originating buyer and receiving supplier counterparty.

Two-way vendor sync with audit trail

Create and update Finexio counterparties from your vendor master, and surface counterparty history so users can see exactly when bank details or eligibility changed.

Real-time payment status in your UI

Register Finexio webhooks to listen for payment lifecycle events and update invoice statuses from Approved to Processing to Paid without polling.

Embedded check image viewer

Pull payment image URLs and render proof-of-payment artifacts directly next to the invoice record in your application.

Automated drawdown reconciliation

Match bulk bank debits to the itemized supplier payments they funded, and write balanced journal entries into your accounting module automatically.

Supplier contact onboarding

Push new supplier contacts into Finexio so its AI-driven enablement can convert paper-check vendors to electronic payment methods like virtual cards.

SuperAI

Finexio AI agent tools

Comprehensive AI agent toolset with fine-grained control. Integrates with MCP clients like Cursor and Claude, or frameworks like LangChain.

list_all_finexio_counterparties

List all Finexio counterparties (buyers and suppliers). Returns: id, name, type, internal_id, created, updated, payment_method, country, address_1, and additional contact, banking, and 12-month spend fields.

create_a_finexio_counterparty

Create a new Finexio counterparty (Supplier). Returns: id, name, type, internal_id, created, updated, payment_method, ineligible_for_conversion, remit_data, and address and contact fields. Required: name, type, internal_id.

get_single_finexio_counterparty_by_id

Get a single Finexio counterparty by id. Returns: id, name, type, internal_id, created, updated, address fields, payment_method, contact details, ineligible_for_conversion, and issue_one_disbursement_per_invoice. Required: id.

update_a_finexio_counterparty_by_id

Fully replace an existing Finexio counterparty by id. Returns: id, name, type, internal_id, created, updated, address, payment_method, contact details, ineligible_for_conversion, and issue_one_disbursement_per_invoice. Required: id, name, type, internal_id.

finexio_counterparties_partial_update

Partially update an existing Finexio counterparty by id; only submitted fields are modified. Returns: id, name, type, internal_id, created, updated, address, payment_method, contact details, ineligible_for_conversion, and issue_one_disbursement_per_invoice. Required: id.

finexio_invoices_bulk_create

Create one or more Finexio invoices in a single batch (up to 500 per request). Returns an array of created invoice objects each containing id, amount_cents, currency, invoice_date, payment_id, originating_counterparty_id, and created. Required per invoice: amount_cents, currency, invoice_date, originating_counterparty_id, receiving_counterparty_id.

list_all_finexio_invoices

List all Finexio invoices. Returns each invoice record including id, amount_cents, currency, invoice_date, payment_id, originating_counterparty_id, receiving_counterparty_id, and created.

get_single_finexio_invoice_by_id

Get a single Finexio invoice by id. Returns the full invoice object including id, amount_cents, currency, invoice_date, payment_id, status, originating_counterparty_id, receiving_counterparty_id, can_be_resubmitted, and created. Required: id.

get_single_finexio_payment_image_by_id

Get the check image URL for a Finexio payment. Returns: check_image_url (empty array when no image exists for the payment). Required: payment_id.

list_all_finexio_payment_images

List check image URLs associated with a Finexio payment. Returns: check_image_url. Returns an empty array when no check image exists for the payment. Required: payment_id.

get_single_finexio_payment_by_id

Get a single finexio payment by id. Returns the full payment object including id, amount_cents, currency, status, payment_method, tracking_id, events (full lifecycle history), invoices, created, updated, funding_drawdown_request_id, and refund/reissue metadata. Required: id.

list_all_finexio_payments

List finexio payments with optional filtering. Returns a paginated collection of payment records, each including id, amount_cents, currency, status, payment_method, tracking_id, events, invoices, created, updated, and refund/reissue metadata. Pages contain up to 100 items.

get_single_finexio_drawdown_by_id

Get a finexio drawdown payment detail record by id (processor_request_id). Returns: id, supplier_name, amount_cents, status, payment_method, delivery_method, tracking_id, invoices, originating_counterparty_id, receiving_counterparty_id, supplier_ref_id, payment_group_id, and supplier address fields. Required: id.

list_all_finexio_drawdowns

List finexio reconciliation drawdowns. Returns: processor_request_id, bank_account_last_four, created, status, amount_cents, funding_complete_date, buyer_ref_id, buyer_name, originating_counterparty_id, and trace_id. At least one filter query parameter is recommended for performance.

create_a_finexio_supplier_contact

Add one or more contacts to an existing finexio supplier. Returns: id, external_reference_id, name, email, phone, primary, payment_notification. Required: supplier_id, primary.

delete_a_finexio_supplier_contact_by_id

Delete a finexio supplier contact by id. Returns a boolean true on successful deletion. Required: supplier_id, id.

list_all_finexio_supplier_contacts

List all contacts for a finexio supplier. Returns: id, external_reference_id, name, email, phone, primary, payment_notification. Required: supplier_id.

update_a_finexio_supplier_contact_by_id

Update an existing finexio supplier contact by id. Returns: id, external_reference_id, name, email, phone, primary, payment_notification. Required: supplier_id, id, primary.

create_a_finexio_webhook

Create a new webhook subscription in Finexio for the currently logged-in user. Returns: id, event, url, created_at, updated_at, and subscription. Required: event, url, username, password.

delete_a_finexio_webhook_by_id

Delete a Finexio webhook subscription by id. Returns an empty 204 response on success. Required: id.

get_single_finexio_webhook_by_id

Get details for a specific Finexio webhook subscription by id. Returns: id, event, url, created_at, updated_at, and subscription. Required: id.

list_all_finexio_webhooks

List all Finexio webhook subscriptions for the currently logged-in user. Returns items including id, event, url, created_at, updated_at, and subscription.

update_a_finexio_webhook_by_id

Fully replace a Finexio webhook subscription by id. Returns: id, event, url, created_at, updated_at, and subscription. Required: id, event, url, username, password.

finexio_webhooks_partial_update

Partially update a Finexio webhook subscription by id, sending only the fields to change. Returns: id, event, url, created_at, updated_at, and subscription. Required: id.

list_all_finexio_counterparty_history

List the change history (changelog) of counterparties in Finexio. Returns each history entry as a counterparty record including id, name, type, created, updated, payment_method, internal_id, address fields, contact details, bank details, and ineligible_for_conversion reflecting the counterparty state at the time of each change.

list_all_finexio_drawdown_payments

List individual payment records for a finexio drawdown identified by processor_request_id. Returns: id, supplier_name, amount_cents, status, payment_method, delivery_method, tracking_id, invoices, and supplier address fields for each payment in the drawdown. Required: processor_request_id.

Why Truto

Why use Truto’s MCP server for Finexio

Other MCP servers give you a static tool list for one app. Truto gives you a managed, multi-tenant MCP infrastructure across 500+ integrations.

Auto-generated, always up to date

Tools are dynamically generated from curated documentation — not hand-coded. As integrations evolve, tools stay current without manual maintenance.

Fine-grained access control

Scope each MCP server to read-only, write-only, specific methods, or tagged tool groups. Expose only what your AI agent needs — nothing more.

Multi-tenant by design

Each MCP server is scoped to a single connected account with its own credentials. The URL itself is the auth token — no shared secrets, no credential leaking across tenants.

Works with every MCP client

Standard JSON-RPC 2.0 protocol. Paste the URL into Claude, ChatGPT, Cursor, or any MCP-compatible agent framework — tools are discovered automatically.

Built-in auth, rate limits, and error handling

Tool calls execute through Truto’s proxy layer with automatic OAuth refresh, rate-limit handling, and normalized error responses. No raw API plumbing in your agent.

Expiring and auditable servers

Create time-limited MCP servers for contractors or automated workflows. Optional dual-auth requires both the URL and a Truto API token for high-security environments.

How It Works

From zero to integrated

Go live with Finexio in under an hour. No boilerplate, no maintenance burden.

Link your customer’s Finexio account

Use Truto’s frontend SDK to connect your customer’s Finexio account. We handle all OAuth and API key flows — you don’t need to create the OAuth app.

We handle authentication

Don’t spend time refreshing access tokens or figuring out secure storage. We handle it and inject credentials into every API request.

Call our API, we call Finexio

Truto’s Proxy API is a 1-to-1 mapping of the Finexio API. You call us, we call Finexio, and pass the response back in the same cycle.

Unified response format

Every response follows a single format across all integrations. We translate Finexio’s pagination into unified cursor-based pagination. Data is always in the result attribute.

FAQs

Common questions about Finexio on Truto

Authentication, rate limits, data freshness, and everything else you need to know before you integrate.

How does authentication work when our users connect their Finexio account?

Truto handles credential storage, token refresh, and connection lifecycle for Finexio on your behalf. Your end users authenticate once through a Truto-managed flow, and your application calls Finexio endpoints through Truto without managing secrets directly.

Can we send payment batches instead of one-at-a-time invoices?

Yes. The bulk invoice creation endpoint accepts batched payloads (up to 500 invoices per request), which is the recommended pattern for AP payment runs triggered from your UI.

How do we keep payment status fresh in our app without constant polling?

Use the webhook endpoints to register a listener URL for payment, counterparty, and lifecycle events. You can manage webhook subscriptions programmatically via create, list, get, update, partial update, and delete operations.

Can we reconcile a lump-sum bank debit back to individual supplier payments?

Yes. List drawdowns to find the bulk debit pulled from the buyer's account, then list drawdown payments to retrieve the itemized supplier payments funded by that draw for journal-entry automation.

Do you support both creating and partially updating counterparties?

Yes. You can list, create, retrieve, fully update (PUT), and partially update (PATCH) counterparties, plus list counterparty history to track changes for audit and fraud-prevention use cases.

Can we display check images natively in our product?

Yes. The payment images endpoints let you list and retrieve image references tied to a payment, which you can render inside your application so users never need to leave your UI for proof of payment.

From the Blog

Finexio integration guides

Deep dives, architecture guides, and practical tutorials for building Finexio integrations.

Finexio

Get Finexio integrated into your app

Our team understands what it takes to make a Finexio integration successful. A short, crisp 30 minute call with folks who understand the problem.