Pay Suppliers Your Way. Keep Everything You Already Use.
One payment layer on top of your existing banks, cards and accounting tools.
Finigenie is a B2B payment orchestration platform. It connects the payment methods your business already has — corporate cards, bank accounts and, in supported corridors, digital-asset settlement — into one workflow for paying suppliers.
You don't replace your bank, your card programme or your ERP. Finigenie works alongside them, so you add capability without a migration project.
Connected Rails
4 Active Rails
Cards • Bank Transfer • Stablecoin • Virtual
Supplier Settlement
Direct Bank Credit
Suppliers paid in local currency
ERP Reconciliation
100% Automated
Tally • Zoho • NetSuite • Custom
Apex Global Logistics FZE
Inv #APX-9821 • Dubai, UAE
Bharat Precision Tools Ltd
Inv #BPT-4402 • Mumbai, India
Works with major banks & payment rails
No Rip-and-Replace. Just a Simpler Layer on Top.
Most payment platforms ask you to move your money, change your bank or rebuild your finance stack. Finigenie doesn't.
Zero Custody Banking
- Payments run through your existing accounts and regulated banking partners
- Finigenie never takes custody of your funds or holds float
- No requirement to open new bank accounts or shift core banking relationships
Unlock Corporate Card Limits
- Use corporate card limits your bank has already issued to your company
- Pay suppliers who only accept bank transfers, RTGS or NEFT
- Maximize working capital runway with standard 30 to 45-day card float
Native Accounting Sync
- Export payment and reconciliation data in formats your finance team already uses
- Seamless compatibility with Tally, Zoho, SAP and custom ERP file schemas
- Eliminate dual-entry spreadsheets and manual reconciliation delays
Why it costs less
Eliminate migration overhead, supplier friction, and bespoke maintenance
No migration
You don't pay to move accounts, re-onboard suppliers onto a new bank or replace your ERP.
One integration instead of many
Finigenie has already integrated with its partner banks and payment providers, so you don't build and maintain those connections yourself.
Pay for what you add
The core platform covers the standard supplier-payment workflow. You pay for customisation only when you need it.
The result is a simpler process for your finance team, without the cost and risk of replacing systems that already work.
100% Non-DisruptiveMulti-Rail Orchestration
Active RailsCorporate cards
Pay from card limit via bank transfer
Bank transfers
AED and INR local bank clearing
Stablecoin settlement
UAE → India cross-border payout
Virtual accounts
Named corporate accounts (UAE)
GCC, Pakistan & China
Multi-currency corridor expansion
Digital wallets
Business wallet payout rails
One Platform. Multiple Payment Rails.
Finigenie brings your payment methods into a single workflow. Availability depends on your market, your bank and the corridor you're paying into, and we tell you exactly what applies before you sign.
Corporate cards: Pay suppliers from card limits even when they accept only bank transfers
Regulated bank transfers in AED and INR for supported corridors
Stablecoin settlement with supplier payout in local currency (UAE → India)
Virtual accounts in your business's name with regulated partners
One invoice, the right rail: route by speed, cost, currency or liquidity
Buyer Chooses. Supplier Receives.
Finigenie Orchestrates.
Supplier payments usually force one side to work around the other's payment setup. Finigenie separates how the buyer pays from how the supplier gets paid.
The buyer chooses how to pay
Pay by card, bank transfer or, in supported corridors, stablecoin settlement — whichever fits your liquidity, credit limit and currency.
Finigenie connects the two
Finigenie coordinates the payment rail, the currency conversion and the settlement between buyer and supplier. The regulated parts of each payment are carried out by our licensed banking and digital-asset partners.
The supplier receives in its own bank account
The supplier gets paid into its existing bank account in its local currency. It doesn't need to accept cards, open a new account or handle digital assets.
The result: more choice for the buyer and a simple bank credit for the supplier — without either side changing its bank.
Simplify Supplier Payments From Invoice to Settlement.
Spreadsheets, emails, bank portals and follow-up calls make supplier payments slow. Finigenie puts the entire workflow in one place.
Add the invoice: Upload invoices or import in bulk with direct accounting system connections
Choose the payment method: Pick the optimal rail that suits each invoice by cost and speed
Add supplier's bank details: Capture beneficiary details once and reuse them for future payments
Finigenie orchestrates: Platform coordinates payment, conversion and settlement via regulated partners
Track the payment: Real-time visibility into every transaction status in one dashboard
Reconcile: Automated matching against invoices and transaction records — zero manual effort
AP Processing Lifecycle
Step-by-Step1. Add the invoice
Upload or bulk import with ERP sync
2. Choose payment method
Optimal rail selected per invoice
3. Supplier bank details
Captured once and reused securely
4. Finigenie orchestrates
Regulated partner clearing underway
5. Track the payment
Live dashboard & supplier notifications
6. Reconcile automatically
Matched to invoice & ERP records
Stop Managing Supplier Payments
in Spreadsheets.
Invoice-wise reconciliation is where Finigenie started: we built it for businesses and banks in India before taking the platform cross-border.
One dashboard shows your finance team:
Replace fragmented banking portal exports and manual reconciliations with instant automated matching.
- Pending and scheduled payments
- Completed transactions and payment failures
- Invoice status & dispute flags
- Payment method, currency and settlement details
- Reconciliation status synced with ERP
One payment record. One source of truth.
See what has been paid, what is pending and what needs attention — then export it to the tools your team already uses.
| Invoice / Supplier | Rail / Method | Amount | Recon Status |
|---|---|---|---|
Emirates Fast Freight LLC #INV-2026-881 | Commercial Card | AED 68,400 | Matched 100% |
Delta Chem Tech Pvt Ltd #INV-90214 | Stablecoin (USDT) | ₹ 1,850,000 | Matched 100% |
Zenith Industrial Supply #INV-65100 | Bank Wire (AED) | AED 115,200 | Matched 100% |
Omega Packaging Solutions #INV-77341 | Corporate Card | AED 24,900 | In Settlement |
Fewer “Has My Payment Gone Through?”
Emails.
Supplier follow-ups are one of the biggest time sinks in accounts payable. Finigenie gives suppliers visibility without adding work for your team.
Payment confirmations
Suppliers receive an automated confirmation with the invoice reference, amount and settlement details once a payment is sent.
Confirmation includes:
• UTR / Bank Reference Number
• Clean Invoice Breakdown & VAT/GST split
• Clearing timeline
Supplier portal
A dedicated portal where suppliers can manage their interactions without reaching out to your team.
- View invoices and payment status
- See payment history and settlement information
- Update bank details, with verification
Your finance team fields fewer status queries. Your suppliers see where their money is.
Start Standard. Customise as You Grow.
No two businesses pay suppliers the same way. Finigenie gives you a ready-to-use core, then shapes the platform around your process instead of the other way round.
Core Platform
Standard ready-to-use supplier payment orchestration workflow
What you get:
Pricing
Standard pricing
Time to start
Days after KYC
Customisation
Shapes the platform around your unique enterprise systems and policies
What you get:
Pricing
Scoped per requirement
Time to start
Agreed during scoping
You only pay for customisation you actually ask for. And because Finigenie sits on top of your existing systems, customisation means extending what you have — not rebuilding it.
International Supplier Payments,
Corridor by Corridor.
We launch a corridor only when the full chain works end to end: collection, conversion, settlement and local payout, each carried out by a regulated partner.
UAE → India
Pay in AED; your supplier receives INR directly in its Indian bank account.
GCC Routes (Saudi Arabia, Qatar, Bahrain)
Cross-border trade rails across GCC commercial partners.
China & Pakistan
Supplier trade settlement rails for wholesale import & trade.
For every supported corridor, Finigenie coordinates:
Need a corridor we don't list?
Tell us. New corridors are added through partner banks, and we can scope one for your business.
Coming Next: Early-Payment
Savings and Financing.
Suppliers often offer a discount for paying early. For example, a 2% discount on a $100,000 invoice means paying $98,000 before the due date.
We're building tools to help you:
Spot early-payment discounts across invoices
Automated invoice scanner flags dynamic discounts and calculates APR return on early settlement.
Fund early payment through financing partners
Access institutional working capital lines so you capture supplier discounts without burning your cash balance.
Financing will be provided by regulated lending partners, subject to their eligibility criteria and terms.
Want to be part of the first group?
Join CFOs and finance leaders getting early access to automated discount capture and credit partner programmes.
- Early pilot onboarding
- Direct input on roadmap priorities
- Preferential partner financing pricing
Built for Businesses — and the
Banks That Serve Them.
Purpose-engineered orchestration tailored for enterprise controllers, growing SMEs, cross-border traders, and regulated financial institutions.
For finance teams and CFOs
Less manual payment work, clearer visibility of what's paid and pending, and more use from the card and credit limits you already have.
For SMEs
A ready-made supplier-payment and reconciliation workflow, without building payment infrastructure or changing banks.
For cross-border payments
One workflow for supported international corridors, with suppliers paid in local currency without SWIFT delays.
For banks: Power your corporate BPSP & supplier programmes
Give your corporate customers a supplier-payment experience under your programme, without a long build. Finigenie works as your technology and orchestration partner. You keep the customer relationship, the regulated activity and the credit decision.
In return you get transaction-level visibility of how customers use their limits and which suppliers they pay. Many businesses come to Finigenie through their bank. If yours is a partner bank, onboarding can be faster still.
Why Businesses Choose Finigenie.
Works on top of what you already use — non-custodial, multi-rail, and reconciled end to end.
Keeps what you have
Works on top of your existing banks, cards and accounting tools. Nothing gets replaced.
Simpler and lower-cost to adopt
No migration and no new bank, and you pay for customisation only when you need it.
Multi-rail architecture
Card, bank transfer and digital-asset settlement in one workflow, by market and corridor.
Built with regulated partners
Banking, custody and settlement are handled by licensed banks and digital-asset providers. Finigenie never holds your funds.
Reconciliation at the core
Invoice-wise matching is what we started with, not a bolt-on.
Fully customisable
Start standard, then extend with connectors, workflows and corridors scoped to your business.
Got Questions?
Everything you need to know about Finigenie. Can't find the answer? Talk to our team.
No. Finigenie works on top of your existing bank accounts, card programmes and accounting tools. You add a payment layer without migrating anything.
The core platform covers supplier payments, rail selection, tracking, reconciliation and data export. Customisation — such as ERP connectors, approval workflows, custom reports or new corridors — is scoped and quoted separately, only when you ask for it.
It depends on your market and corridor. Corporate cards and bank transfers are available through partner banks. Stablecoin settlement is available for UAE → India. We confirm exactly what applies to your business during onboarding.
Into its existing bank account, in its local currency. The supplier doesn't need to accept cards or handle digital assets.
UAE → India today, with more GCC routes, Pakistan and China rolling out. If you need another corridor, talk to us.
No. Funds are held and settled by our regulated banking and digital-asset partners, in accounts in your business's name where applicable. Finigenie never takes custody.
No. Finigenie is a technology and payment orchestration partner to regulated banks. It builds the integration and the user experience. Banking, custody, conversion and settlement are carried out by licensed partners, who hold the relevant permissions in each market.
Not yet. Early-payment discounts and partner-funded financing are on our roadmap. Join the early-access list to hear first.
Yes. Finigenie works with banks as a technology partner, and many businesses join through their bank’s programme.
Calculate Your ROI
Make informed investment decisions with our advanced ROI calculator.
Calculate Your ROI
Make informed investment decisions with our advanced ROI calculator.