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Don't settle for the settlement account

Many business clients keep an account with you while their receivables land somewhere else. Finli gives them a better way to get paid, in your brand, and every digital payment they collect settles into their verified account at your institution.

Talk to our teamHow the platform works
Payout status page showing funds moving from business checking

Deposits follow where a business gets paid

A business tends to keep its money where it gets paid. When customers pay through a third-party app, the cash lands with that app first, and your institution sees whatever is moved over later. The account you hold becomes the place money ends up, not the place it starts.

Finli changes the order. Your business clients send invoices and payment links from a back office in your brand, and their customers pay by ACH, card or Apple Pay. The money settles straight into the business's account with you.

How Finli keeps receivables at your institution

Direct settlement

100% of the digital payments a business collects through Finli settle into its verified account at your institution.

Free ACH for your clients

ACH payments are always free for the business. Card payments carry a 3.5% fee the business can pass on to its customer.

Leakage you can see

Payments collected outside Finli can be tracked, so your team can see activity that is not reaching your institution.

Your brand, not ours

Businesses use a white-labeled portal in your institution's name, on a standalone page or inside digital banking.

Bill pay that brings in payeesIn pilot

Now in pilot: businesses pay bills from the same portal, and each new payee can be offered an account with you.

How the money moves

  1. The business bills its customer

    It sends an invoice or a payment link by email or text from your branded Finli portal.

  2. The customer pays online

    The customer pays by ACH, card or Apple Pay from the invoice or link.

  3. Funds settle at your institution

    The payment settles into the business's verified account in your routing number.

Common questions

Does Finli hold the deposits?
No. Finli is not a bank and does not hold deposits. Payments a business collects through Finli settle into that business's verified account at its own bank or credit union. The deposit relationship stays with your institution.
What does it cost the business to accept payments?
ACH payments are always free. Card payments carry a 3.5% processing fee, which the business can pass on to its customer. Pricing for institutions is a custom proposal based on the size of your business client base, your integration needs and your non-interest income strategy.
How do we see payments that happen outside Finli?
Payments a business collects outside Finli, such as checks or cash, can be tracked alongside its digital payments. That gives your team a clearer picture of deposit leakage and of which relationships could bring more activity to your institution.

Start with a 30-minute conversation

Bring your questions about deposits, launch or a specific industry. A first call is for answering them — a full walkthrough for your wider team comes after, whenever you want it.

Talk to our team