Finexio
Finexio is a U.S. B2B fintech that provides an embedded AP Payments as a Service platform, managing the full B2B payment lifecycle for nearly 3,000 mid-market and enterprise customers across multiple verticals. It combines J.P. Morgan banking infrastructure, Visa/Mastercard rails, and AI-powered supplier enablement.
- Company typePrivate
- Founded2013
- HeadquartersOrlando, United States
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
What Finexio does
Finexio (legally OneNetworks, Inc.) is a U.S.-based B2B fintech that operates an embedded AP Payments as a Service platform, founded in 2013 and headquartered in Orlando, Florida. The company accepts a single approved payment file from a customer's AP automation or ERP system and manages the full payment lifecycle, including payment rail routing (virtual card, ACH, or check), supplier enablement and outreach, exception handling, fraud screening, and reporting. Its core technology stack runs on J.P. Morgan Chase banking infrastructure with direct Visa and Mastercard partnerships, and is delivered either as a direct managed service to mid-market and enterprise finance teams or as white-label embedded payment infrastructure for AP automation, ERP, and SaaS platform partners.
Finexio's product portfolio includes the core AP Payments as a Service platform, a White-Label Payments offering for OEM partners, FinexioShield (fraud prevention backed by a $2 million guarantee), Virtual Card Payments, a proprietary Card by Mail solution, FinexioExpress for accelerated payments, AI-powered Supplier Management, and a Customer Value Dashboard for ROI measurement. The company reports differentiated performance metrics including 60%+ virtual card adoption rates through Card by Mail versus an industry average of 7%, 93% accuracy in AI-driven supplier payment preference prediction, and an average per-payment cost reduced from $8.93 (manual) to under $2.
The business operates a hybrid revenue model combining recurring monthly subscriptions (Standard tier from $1,200/month for organizations with $25M+ AP spend; custom Enterprise pricing for $100M+ AP spend), interchange revenue share on virtual card transactions, and platform partnership / white-label licensing fees from embedded partners. Finexio serves approximately 3,000 customers managing close to $500 billion in accounts payable spend across verticals including manufacturing, higher education, legal, construction, healthcare, hospitality, and real estate, with a particular focus on private equity portfolio companies. The company has raised more than $75 million across multiple equity and debt rounds, including a $35 million Series B in October 2022 at a $100 million post-money valuation, and maintains SOC 2 Type 2 and PCI DSS compliance.
Finexio firmographics
Firmographics- Name
- Finexio
- Legal name
- OneNetworks, Inc.
- Website
- https://finexio.com
- Company type
- Private
- Founded year
- 2013
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Finexio is a U.S. B2B fintech that provides an embedded AP Payments as a Service platform, managing the full B2B payment lifecycle for nearly 3,000 mid-market and enterprise customers across multiple verticals. It combines J.P. Morgan banking infrastructure, Visa/Mastercard rails, and AI-powered supplier enablement.
- Ownership category
- akta.pro rank
Finexio industry classification
Industry- Product category
- B2B Payments / Accounts Payable Automation
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Credit Card Issuing (52221)
- SIC
- Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- Payables & Disbursements (ACH/SEPA, wires, checks, virtual cards) (FSABAIAB)
- akta.pro secondary industries
- Biller Direct EBPP Platforms (FSAMAJAA), B2B / Invoice-Based BNPL (Trade Credit at Checkout) (FSAGAIAC), Direct Debit / ACH Collections & Recurring Billing (FSAMAGAE)
Keywords
Where Finexio is headquartered
LocationHeadquarters
- HQ city
- Orlando
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Finexio business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Managed Payment Services Subscription: Monthly subscription pricing for fully managed payment operations. Standard tier starts at $1,200/month for organizations with $25M+ AP spend. Enterprise tier offers custom pricing for $100M+ AP spend. Pricing includes fully managed payment ops, supplier enablement, security controls, and reporting.
- Virtual Card Interchange Revenue Share: Revenue generated from interchange fees on virtual card payments, shared with buyers. When suppliers accept virtual card payments, the buyer earns revenue share from interchange fees (typical B2B interchange rates range from 1.5% to 2.5%). For companies with significant volume, this revenue share can offset or exceed the cost of the program.
- Platform Partnership / White-Label Licensing: Revenue from embedding Finexio's payment infrastructure into partner platforms. AP automation and ERP providers embed Finexio's white-label payment platform, offering complete procure-to-pay experiences to their customers.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Standard tier for organizations with $25M+ AP spend |
| Subscription | Multi-year contract | Enterprise tier for organizations with $100M+ AP spend |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels9 records
Finexio product offering
Product offeringCore offering
Finexio provides an AP Payments as a Service platform that takes a single approved payment file from a buyer's ERP or AP automation system and fully manages B2B supplier payment delivery, supplier enablement, fraud screening, and exception handling across virtual card, ACH, and check rails. The platform is built on J.P. Morgan Chase banking infrastructure with direct Visa and Mastercard partnerships, and is offered both directly to mid-market and enterprise finance teams and as a white-label embedded infrastructure for ERP, AP automation, and SaaS platform partners.
Product overview
Finexio offers an AP Payments-as-a-Service platform built on J.P. Morgan Chase infrastructure with Visa and Mastercard partnerships. The core product is a white-label embedded payments platform where Finexio accepts a single approved payment file from ERP or AP automation systems and manages the entire payment lifecycle. The modular portfolio includes Virtual Card Payments and Card by Mail for electronic payment delivery, FinexioShield for fraud prevention with $2M guarantee, FinexioExpress for accelerated payments, Supplier Management for AI-powered vendor enablement, Payment Reporting & Analytics for visibility, and a Customer Value Dashboard for ROI measurement. The platform integrates via API or payment file with major ERP and AP automation systems, and offers a developer API for partner integrations.
Differentiator
Problem solved
Functional benefit
Products and services
- AP Payments as a Service Fully managed B2B accounts payable payment delivery platform that accepts a single approved payment file from a buyer's ERP or AP automation system and routes across virtual card, ACH, and check rails. Owns supplier enablement, delivery, exceptions, and reporting end-to-end. Designed for mid-market and enterprise finance teams with $25M+ AP spend and for white-label platform partners.
- White-Label Payments Embedded payment infrastructure for ERP and AP automation software providers to offer complete procure-to-pay experiences to their customers without building payment operations in-house, with a revenue share model.
- Finexio Shield
- Virtual Card Payments
- Card by Mail
- FinexioExpress
- Payment Reporting & Analytics
- Supplier Management
- Merchant Services
- Customer Value Dashboard Dashboard that demonstrates measurable B2B payment outcomes including cost savings, fraud reduction, and time saved per payment, with real-time data backing every claim.
- Finexio API
Quantifiable outcome
- 50-70% reduction in total AP payment costs within first year
- +5 more outcomes
Companies that use Finexio
Customer profileNamed customers6 records
Segments4 records
Ideal customer profiles3 records
Finexio technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
AI capability5 records
Feature5 records
Finexio partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core and supporting.
- CraftablecoreStrategic partnership with hospitality SaaS platform Craftable to bring turnkey B2B payment capabilities to Craftable's hospitality industry customers. Integration combines Finexio's AI-powered payment services with Craftable's invoice management and AP processing platform, enabling automated workflows, virtual card adoption, and fraud protection. Both CEOs stated the partnership transforms AP from cost center to profit generator.
- RipplePointsupportingPartnership to provide integrated AP automation and expense analytics platform for hospitality operators. Solution offers 70% reduction in processing time and enables revenue from virtual card programs. Early adopters report notable time savings and cost reductions.
- VisacoreStrategic collaboration through the Visa Commercial Integrated Partner Program to expand digital B2B payments. Integration of Visa AR Manager into Finexio's payment network and introduction of 'Bring Your Own Card' capability for issuing banks. Finexio has direct Visa partnership for virtual card programs generating interchange revenue.
- MastercardcoreCard network partnership powering virtual card programs that generate interchange revenue. Finexio has direct Mastercard partnership alongside Visa for virtual card payment capabilities.
- J.P. Morgan ChasecoreJ.P. Morgan Chase provides the banking infrastructure behind Finexio's payment operations, including bank accounts, payment processing, settlement, and regulatory compliance. Finexio operates on J.P. Morgan Chase infrastructure.
Scale indicators12 records
Recent moves6 records
Expansion highlights6 records
Finexio competitors and assessment
Company assessmentDirect peers
- Airbase: Airbase offers spend management with corporate cards, bill pay, and AP automation. Overlaps with Finexio in B2B virtual card payments and AP workflows for mid-market.
- Versapay: Versapay provides AR/AP collaboration and B2B payments networks, including virtual card and ACH rails. Directly comparable to Finexio in B2B payment network and embedded payment infrastructure.
- Bill.com: Bill.com is a leading B2B AP automation and payments platform serving SMB and mid-market. Directly comparable to Finexio in targeting AP leaders with payment automation and integrated supplier payments.
- AvidXchange: AvidXchange automates AP and invoice processing for mid-market and enterprise, with strong supplier payment network and virtual card capabilities. Closest direct competitor to Finexio's AP Payments-as-a-Service model.
- Tipalti: Tipalti provides AP automation with global supplier payments, covering virtual card, ACH, and cross-border. Competes directly with Finexio in mid-market/enterprise AP modernization, including integrated white-label scenarios.
- Stampli: Stampli provides AP automation with collaborative invoice management and integrated B2B payments. Directly comparable to Finexio in mid-market AP automation and supplier payment enablement.
Broad incumbents
- HighRadius: HighRadius is an enterprise fintech for treasury, AR, and AP automation with AI-driven payment capabilities. Comparable to Finexio at the enterprise end of AP payments and supplier enablement.
- Coupa Software: Coupa is a broad business spend management platform with embedded AP, invoicing, and increasingly payment capabilities. Overlaps with Finexio via Coupa Pay and procurement-to-pay integrations.
Emerging players
- Brex: Brex offers corporate cards, bill pay, and expense management. Increasingly overlapping with Finexio's B2B virtual card payments, particularly for tech and growth-stage companies.
- Ramp: Ramp is a fast-growing corporate card and spend management platform with B2B bill pay and vendor payments. Increasingly competing with Finexio in virtual card and AP workflows, especially at the SMB/mid-market boundary.
Market position
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Finexio social profiles
Digital presenceFinexio compliance and trust
Trust signalCompliance2 records
Finexio financial estimates
Financial estimateRevenue estimate
Valuation estimate
Finexio leadership team
Management profileNumber of profiles
Profiles7 records
Finexio funding detail
Funding detailFunding overview
Funding rounds8 records
Investors22 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Finexio M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Finexio
What does Finexio do?
Finexio provides an AP Payments as a Service platform that takes a single approved payment file from a buyer's ERP or AP automation system and fully manages B2B supplier payment delivery, supplier enablement, fraud screening, and exception handling across virtual card, ACH, and check rails. The platform is built on J.P. Morgan Chase banking infrastructure with direct Visa and Mastercard partnerships, and is offered both directly to mid-market and enterprise finance teams and as a white-label embedded infrastructure for ERP, AP automation, and SaaS platform partners.
Is Finexio a public or private company?
Finexio is a private company. It is classified as venture growth investor backed and is currently operating.
When was Finexio founded?
Finexio was founded in 2013. It employs 51 to 100 people.
Where is Finexio based?
Finexio is headquartered in Orlando, United States, in the North America region.
How does Finexio make money?
Three revenue lines are on record. Managed Payment Services Subscription is the primary driver. The others are virtual Card Interchange Revenue Share and platform Partnership / White-Label Licensing.
Who are Finexio's main competitors?
Direct peers on record are Airbase, Versapay, Bill.com, AvidXchange, Tipalti and Stampli. Broad incumbents are HighRadius and Coupa Software. Emerging players are Brex and Ramp.
Does Finexio have an API?
Yes. Finexio offers an API for partners and enterprise clients to integrate payment capabilities. The integration supports flat file, API connection, or direct ERP integration methods. The platform accepts approved payment files and handles the entire payment lifecycle including delivery, tracking, supplier communication, fraud screening, and reporting. Developer documentation is at www.finexio.com/api.
What industry is Finexio in?
Finexio's product category is B2B Payments / Accounts Payable Automation. Its primary akta.pro industry code is FSABAIAB, Payables & Disbursements (ACH/SEPA, wires, checks, virtual cards), with a secondary code of FSAMAJAA, Biller Direct EBPP Platforms. Its NAICS code is 522320 and its SIC code is 6159.