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Payment Processing

Finmo, worked by an AI employee

Not another app for your team to learn, and not a set of rules for you to build. You hire an AI employee, you give it access to your Finmo account, and you ask it for things in Slack or Teams the way you would ask anyone else on the team. There is nothing to map and nothing to maintain.

  • Payment Processing
  • Connects with a key
  • 19 ready-made tools
  • Asked in Slack or Teams
At work

An illustration of how the conversation reads, not a transcript from a client account.

What Finmo is

Finmo provides payment collection, payouts, wallets, foreign exchange, virtual accounts, and transaction management for businesses.

You paste in a key from your own Finmo account. It is kept encrypted, and you can withdraw it from inside Finmo whenever you like.

How a run works

One message in, the work done in Finmo.

  1. 01

    You ask

    You message your AI employee in the chat your team already has open, in one sentence, in your own words.

  2. 02

    It works out the step

    It decides what the job needs in Finmo. You do not pick anything from a menu or wire anything together.

  3. 03

    It does the work

    Signed in to your own Finmo account, inside the access you granted it, doing the thing you asked for.

  4. 04

    It reports back

    It tells you what it did, in the same thread. If it could not do something, it says so rather than guessing.

19 tools it already has

What it can do in Finmo

These are the ready-made tools your AI employee already has in Finmo. It is not limited to them, but it never has to be taught these.

  • Create CustomerCreate a real production Finmo customer profile containing personal or company identity data. This stores PII, mutates production, and may start identity-verification or other comp
  • Create PayinCreate a real production payin that can collect money from a customer and credit a customer or merchant wallet. This has real financial effects. First call FINMOLISTPAYINMETHODS an
  • Create PayoutSend real production funds from a Finmo wallet to a beneficiary. This reserves and can irreversibly transfer money. First call FINMOLISTPAYOUTMETHODS and FINMOGETPAYOUTMETHODREQUIR
  • Create Payout BeneficiaryCreate a real payout beneficiary in the connected Finmo production account. This does not move money, but Finmo stores the supplied sensitive bank, proxy, identity, and contact dat
  • Create RefundIssue a real production full refund for a completed Finmo payin. This moves real money, debits or holds funds in the payin wallet, may incur fees, and may be irreversible. Before c
  • Get Payin Method RequirementsReturn the dynamic required fields, validation regexes, limits, instructions, and capabilities for one Finmo payin method. Call this immediately before constructing a payin request
  • Get PaymentGet one payin, payout, or refund by its Finmo reference ID. Use this after an ambiguous timeout before retrying a money-moving request with the same idempotency key.
  • Get Payout Method RequirementsReturn the dynamic payout, beneficiary, and sender field requirements for one Finmo payout method. Use it before creating a beneficiary or moving money.
  • Get WalletGet one wallet and its currency accounts, including actual and available balances. Reading balances is sensitive but does not move funds.
  • List CustomersList one page of individual or company customer profiles and wallet-readiness state. Returns a continuation cursor when more customers are available.
  • List Payin MethodsList one page of enabled ways to collect money for a country and currency, with a continuation cursor when more results exist. Use FINMOGETPAYINMETHODREQUIREMENTS before creating a
  • List PayinsList inbound payment attempts with status, method, customer, wallet, and time filters. Returns one page and a continuation cursor.
  • List Payout BeneficiariesList one page of stored payout beneficiaries and their destination details. Returns a continuation cursor when more beneficiaries are available; use payout method discovery to asse
  • List Payout MethodsList one page of enabled payout rails for a sender and beneficiary country/currency pair. Results may use wildcard sender values. Inspect the returned beneficiary requirements, the
  • List PayoutsList one page of outbound payments with status, payout method, and time filters. Returns a continuation cursor when more payouts are available.
  • List RefundsList one page of refunds with status, originating payin, amount, and time filters. Returns a continuation cursor when more refunds are available.
  • List TransactionsList organization-level financial transactions for reconciliation, filtered by customer, event type, settlement, reconciliation, or time. Returns one page and a continuation cursor
  • List WalletsList one page of Finmo wallets available to the connected organization or a customer. Returns a continuation cursor when more wallets are available. Summaries exclude balances; use
  • Transfer Wallet FundsMove real production funds immediately between two Finmo wallets. This money-moving operation may be irreversible. Before calling, use FINMOGETWALLET on both wallets to verify the
Access, and who is in charge of it

You stay the boss of your Finmo account.

Nothing connects until you approve it. You grant access one app at a time, you can take it back the same way, and everything your AI employee does in there is written down where you can see it.

How we handle your data
  • It signs in to your own Finmo account. You are not moving anything into ours.
  • You grant access one app at a time, and you can take it back the same way.
  • Everything it does in Finmo is written down, with what it did and when.
  • Anything you tell it to check with you first, it checks with you first.
Other apps in the same corner of the business

It works in Finmo and the rest of your software in the same job

A real job rarely stays in one place. Reading a message in one app, checking a record in another and writing the result in a third is one request to your AI employee, not three.

See every app

Questions people ask about Finmo

Can an AI employee really work inside Finmo?
Yes. It signs in to your own Finmo account and works in it the way a new hire would, from the chat your team already has open. Nobody installs anything, and nobody learns a new screen.
Do I have to move anything out of Finmo?
No. Nothing moves and nothing is replaced. Your records stay in Finmo, your team carries on in the same screens they used yesterday, and your AI employee works alongside them in there.
How does it get into my Finmo account?
You paste in a key from your own Finmo account. It is kept encrypted, and you can withdraw it from inside Finmo whenever you like. You approve it before anything connects, and you can take the access back the same way you gave it.
What can it actually do in Finmo?
It has 19 ready-made tools in Finmo today, among them Create Customer, Create Payin and Create Payout. The full list is on this page. It is not limited to those, but it never has to be taught them.
Can it use Finmo and the rest of my software in the same job?
Yes, and that is usually the point. Reading a message in one app, checking a record in Finmo and writing the result somewhere else is one request to your AI employee, not three separate ones you stitch together.
Who decides what it is allowed to do in Finmo?
You do. You grant access one app at a time and can withdraw it at any time, anything you ask it to check with you first it checks with you first, and everything it does in Finmo is written down with what it did and when.