# Finero > Finero is the autonomous accounts receivable (AR) platform for B2B: it > connects to your ERP and payment provider and runs the full collection > cycle. Chasing, payments, disputes, reconciliation. The platform accepts card and ACH payments on hosted pages, handles buyer queries with an AI agent named Fin, and reconciles cash back to your ERP. Finero is payment-provider agnostic. Customers keep their existing processor (Stripe, Adyen, Worldpay, Authorize.Net, Shift4 and others) and their existing ERP (Oracle NetSuite, SAP, Oracle Fusion Cloud ERP, Microsoft Dynamics 365, QuickBooks, Xero). Finero adds the receivables workflow on top. Finero is the AR platform finance advisers run for their clients: one login, a separate workspace per client, each on its own ERP and payment provider. ## Product - [Platform overview](https://getfinero.com/platform): What Finero does end to end. Chase, payments, disputes, reconciliation. - [Collections automation software](https://getfinero.com/platform/collections): An AI agent that chases every invoice, takes payment inside the message and applies cash to your ERP, reducing DSO without new hires. - [AI collections agent](https://getfinero.com/platform/ai-collections-agent): Fin, the AI collections agent for B2B accounts receivable: it plans each invoice, follows up, answers replies, takes payment and records the cash in your ERP. - [Cash application automation](https://getfinero.com/platform/cash-application): Line-level payment matching posted back to your ERP. No unapplied cash. - [AI implementation agent](https://getfinero.com/platform/ai-implementation): Fin plans your ERP integration with you, tells you exactly what your ERP needs, configures Finero itself and explains every issue, 24/7. - [How Finero works](https://getfinero.com/how-it-works): From invoice sync to reconciled cash, stage by stage. - [Pricing](https://getfinero.com/pricing): Core and Scale plans for B2B finance teams. - [Security & compliance](https://getfinero.com/security): Data handling, privacy and payment security. - [AI agents](https://getfinero.com/agents): Connect an assistant to your receivables: what it can do, and what it can never do. - [Developers and agents](https://getfinero.com/developers): API, OpenAPI specification, MCP server and agent entry points. - [Contact](https://getfinero.com/contact): Demo, sales, privacy and integration enquiries. - [Finero Partner Program](https://getfinero.com/partners): Referral program for AR consultants, fractional CFOs, accounting firms and finance agencies: a revenue share on every client and a partner dashboard. - [Book a demo](https://getfinero.com/demo): Primary conversion - 30-minute working session. - [Sign in](https://app.getfinero.com/auth): Existing Finero users sign in to the app. ## For accounting firms and advisers Fractional CFOs, accounting firms, outsourced AR teams and bookkeepers can run Finero for their clients: each client company has its own workspace on its own ERP and payment provider, one login covers every client, and the partner dashboard shows every client in one place. Each client company pays for its own plan. - [AR software for fractional CFOs](https://getfinero.com/for/fractional-cfo-ar-software): Run collections for every client from one login, each on its own ERP and payment provider. - [AR software for accounting firms](https://getfinero.com/for/accounting-firm-ar-software): Collections for CAS clients, each in its own workspace and posted back to QuickBooks, Xero or the ERP. - [AR software for multiple clients](https://getfinero.com/for/multi-client-ar-software): For outsourced AR teams and bookkeepers: one login, a workspace per client company, Fin on the routine work. - [AR automation for fractional CFOs and accounting firms](https://getfinero.com/resources/guides/ar-automation-for-fractional-cfos-and-accounting-firms): How advisers deliver AR to clients, which clients fit, and how CAS practices price it. - [Finero Partner Program](https://getfinero.com/partners): Referral program for AR consultants, fractional CFOs, accounting firms and finance agencies: a revenue share on every client and a partner dashboard. ## API & developer documentation Finero has a public REST API for external systems and AI agents. These are the authoritative, always-current sources. This marketing site is not. - [Machine-readable entry point](https://app.getfinero.com/llms.txt): start here. Auth, available operations, identifiers, pagination, limits, errors, and task recipes. - [Finero API reference](https://app.getfinero.com/api-docs): full endpoint and schema documentation. - [Finero OpenAPI specification](https://api.getfinero.com/functions/v1/api/openapi.json): generate a client from this. - [Finero status guide](https://app.getfinero.com/guide): plain English for what each status badge means and why a payment link is refused. Documents written for agents: - https://getfinero.com/agents.md: capabilities, boundaries and every entry point - https://getfinero.com/skill.md: the Finero Agent Skill - https://getfinero.com/agents: the same, explained for a person Named pages on this host, one per resource: - [Finero API documentation](https://getfinero.com/developers/api): What the Finero REST API covers, the two access models, and how to get a key. - [Finero OpenAPI specification](https://getfinero.com/developers/openapi): The OpenAPI document, how to generate a client from it, and how to keep it current. - [Finero API authentication](https://getfinero.com/developers/authentication): API keys that act as a workspace, OAuth 2.1 sessions that act as a person, and the discovery chain. - [Finero MCP server](https://getfinero.com/developers/mcp): The Model Context Protocol endpoint over Streamable HTTP, and how to connect an assistant to it. Short aliases on this host, if you are guessing at a URL: - https://getfinero.com/openapi.json -> the OpenAPI specification - https://getfinero.com/api-docs (or /docs) -> the API reference - https://getfinero.com/.well-known/mcp.json -> a pointer naming the MCP endpoint and its server card (a 200 document, not a redirect) The first two redirect to the canonical URL above. Prefer the canonical URL once you have it; the alias exists so that a first guess resolves. ### MCP server Finero exposes a Model Context Protocol server over Streamable HTTP: - Registry name: com.getfinero/finero (official MCP Registry). A client that understands the registry can resolve the server from this name alone. - Manifest: https://app.getfinero.com/mcp/server.json declares the transport and entry point. - Endpoint: https://app.getfinero.com/mcp - Authorization: OAuth 2.1. An unauthenticated request answers 401 with a `WWW-Authenticate` header naming its RFC 9728 protected-resource metadata document, and the authorization server is discoverable from there. Nothing needs to be hard-coded. Pick the right route: an API key acts as the WORKSPACE and suits unattended systems; an MCP session acts as the PERSON who approved it, is read-mostly, and exposes a smaller tool set. If you hold an API key, use the HTTP API. - [Developers and agents](https://getfinero.com/developers): every entry point in one place. Which source is authoritative: - This marketing site describes Finero, its value, use cases, and product direction. - The application documentation describes what the API supports today. - If the two ever disagree, the application documentation is correct. Endpoints, fields, parameters, schemas, status values, error codes and examples are deliberately not reproduced on this site. Read them from the sources above, which are generated from the API source of truth. ## Integrations - [All integrations](https://getfinero.com/integrations): ERP, accounting and payment-provider integrations. - [ERP & accounting integrations](https://getfinero.com/integrations/erp): Native sync with NetSuite, SAP, Oracle, Dynamics, QuickBooks and Xero. - [Payment-provider integrations](https://getfinero.com/integrations/payment-providers): Bring your own processor: Stripe, Adyen, Worldpay and more. ### ERP & accounting - [Oracle NetSuite](https://getfinero.com/integrations/erp/netsuite): Bidirectional NetSuite sync: invoices, customers and credit terms flow into Finero; payments, deposits and reconciliation flow back as cash application. - [SAP ERP](https://getfinero.com/integrations/erp/sap-erp): Connect SAP S/4HANA or ECC. Finero reads open AR from SAP and posts cleared payments and reconciliation entries back via IDoc, BAPI or SAP API. - [Oracle Fusion Cloud ERP](https://getfinero.com/integrations/erp/oracle-erp-cloud): Finero integrates with Oracle Fusion Cloud ERP Receivables. Pulling transactions and pushing receipts, adjustments and reconciliation back into Oracle. - [QuickBooks Online](https://getfinero.com/integrations/erp/quickbooks): Finero automates collections on QuickBooks Online: it chases invoices, takes card and ACH through your processor, and posts payments back to QuickBooks. - [Xero](https://getfinero.com/integrations/erp/xero): Finero automates accounts receivable on Xero: it chases every invoice, takes card and ACH through your provider and writes payments back. Connects in minutes. - [Microsoft Dynamics 365](https://getfinero.com/integrations/erp/microsoft-dynamics-365): Finero automates accounts receivable on Dynamics 365 Finance (F&O) and Business Central: it chases invoices, takes payment and posts cash back to Dynamics. ### Payment providers - [Stripe](https://getfinero.com/integrations/payment-providers/stripe): Use Stripe as your underlying processor while Finero drives the collection workflow. Invoicing, chase cadence, hosted payment links and reconciliation. - [Adyen](https://getfinero.com/integrations/payment-providers/adyen): Connect Finero to your Adyen account to route B2B card and local-method volume through a single global acquirer. - [Worldpay](https://getfinero.com/integrations/payment-providers/worldpay): Keep your Worldpay merchant account and let Finero modernise the collection layer on top. Hosted pay pages, surcharging logic and automatic posting. - [Authorize.Net](https://getfinero.com/integrations/payment-providers/authorize-net): A Visa Solution widely used by US wholesalers. Finero connects invoice collection and reconciliation to your existing Authorize.Net account. - [Cybersource](https://getfinero.com/integrations/payment-providers/cybersource): A Visa Solution favoured by larger enterprises. Finero connects receivables workflows to your existing Cybersource account. - [Shift4](https://getfinero.com/integrations/payment-providers/shift4): Keep your Shift4 merchant account. Finero adds the receivables workflow on top: chasing, hosted payment pages, and cash applied back to your ledger by line. - [Braintree (PayPal)](https://getfinero.com/integrations/payment-providers/braintree): Use Braintree's vault for card-on-file collections and combine with PayPal-as-a-payment-method on the hosted invoice. - [Wix Payments](https://getfinero.com/integrations/payment-providers/wix-payments): Built-in payments for Wix merchants. Finero uses Wix Payments to accept cards on invoices issued from Wix stores and bookings. - [Shopify Payments](https://getfinero.com/integrations/payment-providers/shopify-payments): For B2B merchants on Shopify, Finero connects to Shopify Payments so invoice collection runs through the same processor as your storefront. - [PayPal](https://getfinero.com/integrations/payment-providers/paypal): Offer PayPal as a one-click payment method on Finero's hosted invoice pages. Without making PayPal your primary processor. ## Industries - [Industries](https://getfinero.com/industries): How Finero adapts to SaaS, distribution, manufacturing, CPG and other B2B industries. - [SaaS Platforms](https://getfinero.com/industries/saas-platforms): Collect on custom pricing, contracts and usage overages. Without your finance team chasing every invoice. - [Wholesale & Distribution](https://getfinero.com/industries/wholesale-distribution): Collect from trade accounts at scale. Automate AR so terms-based orders do not become collection problems. - [Manufacturing](https://getfinero.com/industries/manufacturing): Connect production, ERP and receivables so cash arrives as predictably as the shipment. - [Consumer Goods (CPG)](https://getfinero.com/industries/consumer-goods): Modernise trade receivables for the retailers, grocers and chains buying your product. - [Other B2B industries](https://getfinero.com/industries/other-b2b-industries): If your customers pay by invoice, Finero works with your existing systems to automate collections and reconciliation. ## Guides - [Resource hub](https://getfinero.com/resources): Guides and glossary for B2B finance teams. - [All guides](https://getfinero.com/resources/guides): Long-form guides on autonomous AR, DSO reduction and payment providers. - [DSO calculator](https://getfinero.com/resources/dso-calculator): Calculate DSO, Best Possible DSO, and what the gap between them costs you. - [Best AR automation software for B2B collections in 2026](https://getfinero.com/resources/guides/best-ar-automation-software): Nine AR tools for B2B collections in 2026, with product reviews, pros, cons and setup advice. - [What is autonomous receivables?](https://getfinero.com/resources/guides/what-is-autonomous-ar): Definition of autonomous receivables (autonomous AR) and how it differs from AR automation, dunning tools and collection agencies. - [How to reduce DSO without hiring](https://getfinero.com/resources/guides/how-to-reduce-dso): Five operational changes (chase cadence, hosted payments, ERP reconciliation, dispute SLAs, self-service) that compound into double-digit DSO reduction. - [Choosing a B2B payment provider in 2026](https://getfinero.com/resources/guides/choosing-b2b-payment-provider): A buyer's framework. Acquiring footprint, ACH and surcharging, Level 2/3 data, fees, settlement timing, and what to negotiate. - [AP portal invoicing and collections](https://getfinero.com/resources/guides/ap-portal-invoicing-and-collections): How a B2B supplier covers every customer: Monto files and tracks invoices in AP portals such as Coupa and SAP Ariba, Finero chases the customers outside portals with a card and ACH payment link, follows up on approved but unpaid portal invoices, and posts the cash to the ERP. Includes Coupa and SAP Ariba invoice statuses and whose move each one is. - [Credit card surcharges in Oracle Fusion](https://getfinero.com/resources/guides/oracle-fusion-credit-card-surcharges): How to handle credit card surcharges in Oracle Fusion: on the invoice or at checkout, and if at checkout, a debit memo, a miscellaneous receipt or a journal entry, with worked examples, refunds and the surcharging rules. - [Payment to bank reconciliation in Oracle Fusion](https://getfinero.com/resources/guides/oracle-fusion-receivables-payment-reconciliation): Best practice for payment to bank reconciliation in Oracle Fusion Receivables: apply the receipt the moment the invoice is paid, the three clearance methods, PSP clearing and fee accounts, By Matching explained, and worked Stripe examples. - [Xero payment follow-ups](https://getfinero.com/resources/guides/xero-payment-follow-ups): What Xero payment follow-ups by JAX are (announced August 2026, no release date yet), what Xero invoice reminders do today, how both compare with AR automation software, and when a Xero business needs more. - [AR automation implementation](https://getfinero.com/resources/guides/ar-automation-implementation): How long AR automation implementation takes by tier, what slows it down, the steps in order, the ERP access QuickBooks Online, Xero and NetSuite need, what a slow rollout costs, and what an AI implementation agent does. - [AR automation for fractional CFOs and accounting firms](https://getfinero.com/resources/guides/ar-automation-for-fractional-cfos-and-accounting-firms): How fractional CFOs and accounting firms add collections to an advisory service: delivery models, how CAS practices price AR, running clients from one login, a 30-day scoping plan and what to look for. - [Oracle Fusion 26C AI agents](https://getfinero.com/resources/guides/oracle-fusion-26c-ai-agents): What Oracle Fusion 26C's receivables AI agents do: Collector Workspace, the Cash Processing Agent and the Customer Billing Agent, how each is enabled, who gets access, and what they leave out. - [Oracle Fusion 26D receivables](https://getfinero.com/resources/guides/oracle-fusion-26d-receivables): What Oracle Fusion 26D changes for receivables and collections: Cash Processing Agent apply, split and refund actions, Fusion Claw in Collector Workspace, dispute resolution in Billing Operations, four new receipt REST actions, and cohort dates. - [What Dynamics 365 Finance automates in AR](https://getfinero.com/resources/guides/dynamics-365-finance-ar-automation): What Dynamics 365 Finance automates natively in AR (collections process automation, Copilot summaries, payment predictions), where it stops, and when to add an AR platform. - [MCP server for accounts receivable](https://getfinero.com/resources/guides/mcp-server-accounts-receivable): Finero's 22-tool MCP server: live aging, invoices and payments for Claude, admin-only writes for payment links and held ERP receipts, what it cannot do, and MCP vs API key. - [B2B invoicing and collection](https://getfinero.com/resources/guides/b2b-invoicing-and-collection): Why most late payments start at invoicing: the seven invoicing mistakes that delay B2B payment, and the escalation ladder for invoices that stall. - [Oracle Fusion 26B receivables](https://getfinero.com/resources/guides/oracle-fusion-26b-receivables): What Oracle Fusion 26B changed for receivables: the cash processing feature restricted to an early adoption program, the installments REST API, and the collections agent that did not arrive until 26C. - [B2B payment collection](https://getfinero.com/resources/guides/b2b-payment-collection-guide): The B2B invoice collection lifecycle, the five metrics that expose a broken process, and the three operating models finance teams choose between. - [Oracle Fusion 26C apply receipt](https://getfinero.com/resources/guides/oracle-fusion-26c-cash-application): How to apply a receipt in Oracle Fusion 26C, in the screens and with the new applyReceipt API, and why allocation used to be a guess. - [Payment reminder templates](https://getfinero.com/resources/guides/payment-reminder-email-templates): Seven copy-paste B2B payment reminder email templates (pre-due nudge to final demand) mapped to the chase cadence that cuts DSO. - [What slows finance teams down](https://getfinero.com/resources/guides/what-slows-finance-teams-down): Where the hours actually go in manual AR: custom pricing, invoice setup by hand, chasing, and reconciliation, and which bottleneck to fix first. - [Cash application](https://getfinero.com/resources/guides/cash-application): What cash application is, why manual payment matching breaks at B2B volume, and how line-level automation posts cash back to the ERP. - [AR automation](https://getfinero.com/resources/guides/accounts-receivable-automation): What AR automation covers, its price and implementation tiers, a seven-point evaluation checklist, and where automation stops and autonomy begins. - [About Finero](https://getfinero.com/about): Who we are and why autonomous AR. ## Compare - [Upflow alternatives](https://getfinero.com/compare/upflow-alternatives): How Upflow's plans and AI agents work (agents from its Scale plan, yearly commitment), Finero vs Upflow head to head, and when Chaser, Tesorio or Stuut fit. - [Tesorio alternatives](https://getfinero.com/compare/tesorio-alternatives): How Tesorio's forecasting and draft-and-approve agents work, Finero vs Tesorio head to head, and when Upflow, Chaser or Stuut fit. - [Versapay alternatives](https://getfinero.com/compare/versapay-alternatives): How Versapay's customer portal and built-in payments work, its 90-day migration, Finero vs Versapay head to head, and when Billtrust, Invoiced or Upflow fit. - [Stuut alternatives](https://getfinero.com/compare/stuut-alternatives): How Stuut's autonomous AR agent works, why teams look elsewhere (no published price, enterprise ERPs), Finero vs Stuut head to head, and when Monk or HighRadius fit. - [Monto alternatives](https://getfinero.com/compare/monto-alternatives): How Monto files invoices into 500+ AP portals and why it does not chase, Finero vs Monto head to head, and when Invoice Butler, Monk or Versapay fit. - [Chaser alternatives](https://getfinero.com/compare/chaser-alternatives): How Chaser's published plans and Care add-on work, Finero vs Chaser head to head, and when Upflow, Invoice Butler or Monk fit. - [HighRadius alternatives](https://getfinero.com/compare/highradius-alternatives): How HighRadius's enterprise suite and outcome-based pricing work, Finero vs HighRadius head to head, and when Stuut, Billtrust or Tesorio fit. - [Billtrust alternatives](https://getfinero.com/compare/billtrust-alternatives): How Billtrust's invoice-to-cash suite, seats, payment fees and read-only AI connector work, Finero vs Billtrust head to head, and when Versapay or HighRadius fit. - [Invoiced alternatives](https://getfinero.com/compare/invoiced-alternatives): How Invoiced by Flywire works, what the Flywire acquisition changed, Finero vs Invoiced head to head, and when Billtrust, Versapay or Chaser fit. - [Monk alternatives](https://getfinero.com/compare/monk-alternatives): How Monk works, why teams look elsewhere (no published pricing or payment pages), Finero vs Monk head to head, and when Stuut, Invoice Butler or Upflow fit. - [Invoice Butler alternatives](https://getfinero.com/compare/invoice-butler-alternatives): How Invoice Butler's managed AR service works, why teams keep collections in-house, Finero vs Invoice Butler head to head, and when Monk, Chaser or Monto fit. - [Versapay vs Billtrust](https://getfinero.com/compare/versapay-vs-billtrust): Versapay vs Billtrust: a shared customer portal vs a broad invoice-to-cash suite, compared on payments, ERPs, seats, pricing and AI access. - [Versapay vs HighRadius](https://getfinero.com/compare/versapay-vs-highradius): Versapay vs HighRadius: a collaborative AR portal vs an enterprise suite with 60+ AI agents, compared on scope, ERPs, pricing models and rollout. - [Stuut vs HighRadius](https://getfinero.com/compare/stuut-vs-highradius): Stuut vs HighRadius: an autonomous AR agent vs an enterprise AR suite, compared on scope, payments, ERPs, pricing and time to go live. ## Glossary - [AR glossary](https://getfinero.com/resources/glossary): Plain-English definitions of B2B collections terms. - [Accounts receivable (AR)](https://getfinero.com/resources/glossary/accounts-receivable): Accounts receivable (AR) is the outstanding invoices a business is owed by customers, typically tracked as an asset on the balance sheet. - [DSO (days sales outstanding)](https://getfinero.com/resources/glossary/dso): DSO (days sales outstanding) is the average number of days it takes a business to collect cash after a sale. Lower is better. - [Cash application](https://getfinero.com/resources/glossary/cash-application): Cash application is the process of matching incoming payments to the correct customer invoices and posting them in the ledger. - [Dunning](https://getfinero.com/resources/glossary/dunning): Dunning is the structured sequence of reminders a business sends to collect an overdue invoice, escalating in tone and channel as the debt ages. - [Tokenisation](https://getfinero.com/resources/glossary/tokenisation): Tokenisation replaces sensitive payment details, such as a card number, with a meaningless substitute value called a token, which can be stored and reused without exposing the original data. - [Lockbox](https://getfinero.com/resources/glossary/lockbox): A lockbox is a bank-operated postal address where customer payments are sent, opened, deposited and reported by the bank on the business's behalf. - [ACH / Bacs / SEPA](https://getfinero.com/resources/glossary/ach-bacs-sepa): ACH, Bacs and SEPA are the domestic bank transfer schemes of the United States, the United Kingdom and the euro area: batch-based rails used to move money between bank accounts at far lower cost than cards. - [Open item](https://getfinero.com/resources/glossary/open-item): Open-item accounting tracks each invoice individually until it is settled, rather than tracking only a running customer balance. - [Promise to pay (PTP)](https://getfinero.com/resources/glossary/promise-to-pay): A promise to pay (PTP) is a commitment from a customer to settle a specific invoice or balance by a stated date, recorded so it can be tracked and followed up. - [Unapplied cash](https://getfinero.com/resources/glossary/unapplied-cash): Unapplied cash is money a business has received but has not yet matched to specific customer invoices, so it sits in the ledger without reducing any receivable. - [Collections Effectiveness Index (CEI)](https://getfinero.com/resources/glossary/collections-effectiveness-index): The Collections Effectiveness Index (CEI) is a percentage measuring how much of the receivables available to collect in a period a business actually collected. 100% means everything collectable was collected. - [Client accounting services (CAS)](https://getfinero.com/resources/glossary/client-accounting-services): Client accounting services (CAS) are the ongoing accounting work an accounting firm delivers to business clients, from bookkeeping and accounts receivable through month-end close to CFO-level advice, usually for a fixed recurring fee. ## What Finero is not - Finero is not a payment processor or acquirer. It does not replace Stripe, Adyen, Worldpay or your bank. - Finero is not an ERP or accounting system. It does not replace NetSuite, SAP, QuickBooks or Xero. - Finero is not a debt-collection agency. It runs the in-house collection workflow before debts become collectible. - Finero is not a subscription-billing tool. It collects on invoices created by your billing or ERP system. ## Legal - https://app.getfinero.com/terms-of-use: Terms of Use governing access to the Finero platform, including subscriptions and billing (section 14). - https://app.getfinero.com/terms-of-use#refunds: Refund and cancellation policy (Terms of Use, section 14.6). - https://getfinero.com/privacy-policy: How Finero handles personal information collected through this website. - https://app.getfinero.com/privacy-policy: Privacy policy for the Finero platform. - https://getfinero.com/cookie-policy: Cookies and consent. ## Canonical sources To request a Markdown representation of a public getfinero.com page, fetch the same URL with `Accept: text/markdown`. - Product, positioning and pricing: this site (https://getfinero.com). - API capabilities as built today: https://app.getfinero.com/api-docs (authoritative). - Machine-readable API entry point: https://app.getfinero.com/llms.txt - OpenAPI specification: https://api.getfinero.com/functions/v1/api/openapi.json - API catalog (RFC 9727): https://getfinero.com/.well-known/api-catalog - Sitemap: https://getfinero.com/sitemap.xml - robots: https://getfinero.com/robots.txt