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A sophisticated payments solution. Simplified.

Accepting payments doesn’t need to be overwhelming. Finix helps you start processing payments and earning revenue fast – with our simple, yet sophisticated, payments solution.

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Powerful Payment Facilitation

  • Integrate Fast

    Integrate Fast

    Go-live with one API integration

  • Onboard & Underwrite

    Onboard & Underwrite

    Smooth and efficient onboarding

  • Accept Payments

    Accept Payments

    Omni-channel payments acceptance

  • Simplify Operations

    Simplify Operations

    Tools to manage your payments business

Manage your payments operations.

Underwriting, reconciliation, dispute management, and more, our platform manages processes so that you can concentrate on what matters—your customer.

  • 01 / 04

    Onboard and verify users.

    Our payments solution allows you to onboard your customers and get them ready to accept payments quickly.

  • 02 / 04

    Offer fast and convenient payouts.

    Your customers care about when they get paid. Don’t keep them waiting longer than necessary with Finix’s ACH-based settlement engine.

  • 03 / 04

    Resolve and manage disputes.

    No one likes disputes and chargebacks, but you can manage them more efficiently with full transaction visibility.

  • 04 / 04

    Simplify with transparent reporting.

    You and your customers deserve granular transparency into what’s happening with your payments.

Take control of the controls.

Build the perfect payments experience for your customer. Finix offers advanced payments processing configurations to help software platforms reduce costs and increase revenue.

  • Alternative Payments

  • L2/L3 Processing

  • Fraud Monitoring

  • Account Updater

Code Editor

curl https://finix.sandbox-payments-api.com/payment_instruments \

-H "Content-Type: application/vnd.json+api" \

-u  USsRhsHYZGBPnQw8CByJyEQW:8a14c2f9-d94b-4c72-8f5c-a62908e5b30e \

-d '{ "identity": "IDgWxBhfGYLLdkhxx2ddYf9K",

"merchant_identity": "IDpYDM7J9n57q849o9E9yNrG",

"name": "John Smith",

"third_party_token": "{\"token\":{\"paymentMethod\":{\"network\":\"barcode\",\"type\":\"credit\",\"displayName\":\"\"},\"transactionIdentifier\":\"AE514ADAA44E9C3A0A862C7E4EDEE43C422556FA4748B045F1764860557E8EE6\",\"paymentData\":{\"data\":\"IOg9H5\\/hdpccvHZ03ESJwlJXFlmcnI18WXTSOHOPA82ewYoWVyEMiy63HCsdejXsHIR8a+N\\/5aR24OeJrkxheck2AAl5o1LLJ7jL+75scnf7Z55uQmtVyKITTkH22LrC6E6SgMnXaefJYOTUcG1Veqb\\/dXtpPzqaKACEKDkbVivpDk+A2iX5PLROFTMRgmb9a0HYwHOnVGQzXwiHkX1g6f1R4rILUyMaQ5qLxCplE1t\\/guEYmkGBtOb\\/v8+GRDTl8YrC1tOe\\/cs4aQm4cAKJktFQUTbfAApNFBnKI06mtCM7e7qRna\\/YON3gyci035jA7Zq4kBMo7rQB8puGH6dDqB\\/KsPS6Ps+w688+rqEKz16YUJ\\/LMCOzzBM6bCTOS6eouB1eCh3SJdm\\/lmY=\",\"signature\":\"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\",\"header\":{\"publicKeyHash\":\"eOvce9ya55opFC5EXVWlLwzZRVDEY3Hgakf3+C+0zkc=\",\"ephemeralPublicKey\":\"MFkwEwYHKoZIzj0CAQYIKoZIzj0DAQcDQgAE3VnkF5JR9cWuYoeT68dUNp\\/2\\/jGaOiid19UfCV9rEkcPomrzFWEZw\\/dN1uU9RTblnrIQPajFj4R2ZKIpYIlkgA==\",\"transactionId\":\"ae514adaa44e9c3a0a862c7e4edee43c422556fa4748b045f1764860557e8ee6\"},\"version\":\"EC_v1\"}}}",

"type": "APPLE_PAY"

}'

Compliance made easy.

Moving money and storing card data can be complex due to strict payments regulations. Finix helps platforms manage these requirements from behind the scenes.

  • PCI Compliance

    Securely tokenize cards and process transactions using Finix, a Payment Card Industry Data Security Standard Level 1 compliant service provider.

  • Merchant Identity Verifications

    Complete Know-Your-Customer (KYC), Anti-Money Laundering (AML), and MATCH™ checks for businesses and individuals accepting payments on your platform.

  • 3D Secure Authentication

    Fight fraud using 3D Secure to provide an additional layer of account authentication.

  • Sanctions Screening

    Perform sanction screenings mandated by the Office of Foreign Assets Control (OFAC).

  • Customer Data Management

    Rest assured knowing Finix manages customer data according to SOC 1 Type 1 and SOC 2 Type 2 data processes.

We’ve got your back (office).

  • 01 / 04

    People-first partnership.

    Our team of payments experts will learn your business needs, create tailored integration and training plans, and answer every question along the way.

  • 02 / 04

    Real responses.

    Our team provides thoughtful, human responses to make sure you have all the information and context you need.

  • 03 / 04

    Plan for the future.

    We take a consultative approach to helping you understand your payment options. We’ll be there to listen, strategize, and grow with you.

  • 04 / 04

    Highly reliable.

    Finix handles billions of API calls per year with 99.999% uptime, allowing you to integrate payments with confidence.

Start your path to payments ownership today

Manage payment operations while increasing revenue and reducing costs.

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