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SPECIFICTION
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Finexer

finexer.com

WebAPI
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Spec score 7.5 #7 of 22 in Open Banking Payment Platforms

What it is

Finexer is a B2B open banking platform for businesses that need bank data, payment initiation or bank-based identity checks in their own services. Its data service provides real-time account details, balances, transaction history, merchant and category data, and income and expense information. Payment options include instant account-to-account payments, payment links, QR code payments, batch payments and automated receipts. Bank-based identity verification can support customer KYC and AML processes. Connection methods include an Open Banking API, dashboard, hosted consent pages and consent links. Developer tools include a REST-based API, webhooks, documentation, sandbox accounts and developer support; sandbox accounts that replicate production functionality are free. Its supported-bank directory names UK institutions including Barclays, HSBC, Lloyds, Monzo, NatWest, Starling and Wise. Instant Payments are available only to UK businesses and currently support GBP only. Finexer says sensitive data is encrypted with AES-256 in an isolated data store and approved accounts require two-factor authentication. It states it is Cyber Essentials certified and ICO registered, and that Finexer Ltd is FCA-authorised under the Payment Services Regulations 2017. Pricing is on request.

Spec sheet

Product
Finexer is a B2B open banking platform for accessing clients’ bank accounts and initiating payments on their behalf.Read 4 Oct 2026 · finexer.com
Security
Finexer says sensitive data is encrypted with AES-256 in an isolated data store, and two-factor authentication is required for approved accounts.Read 4 Oct 2026 · finexer.com
Compliance
Finexer states it is Cyber Essentials certified and ICO registered, and that Finexer Ltd is FCA-authorised under the Payment Services Regulations 2017, firm reference 925695.Read 4 Oct 2026 · finexer.com
Support
The company says its support specialists are available 16 hours a day, seven days a week.Read 4 Oct 2026 · finexer.com
Headquarters
London, United KingdomRead 28 Sep 2026 · finexer.com
Availability
Finexer describes its cloud software as available 24/7 with a 99.99% SLA.Read 4 Oct 2026 · finexer.com
Bank coverage
Finexer lists UK financial institutions including Barclays, HSBC, Lloyds, Monzo, NatWest, Starling, and Wise in its supported-bank directory.Read 4 Oct 2026 · finexer.com
Data aggregation
Its data service provides real-time bank data, including transactions, balances, income and expense information, and account details.Read 4 Oct 2026 · finexer.com
Developer tools
Finexer provides a REST-based API, webhooks, API documentation, sandbox accounts, and developer support.Read 4 Oct 2026 · finexer.com
Free sandbox
Finexer says sandbox accounts that replicate production functionality are free of charge.Read 4 Oct 2026 · finexer.com
Identity checks
Finexer offers bank-based identity verification to support customer KYC and AML processes.Read 4 Oct 2026 · finexer.com
Payment limits
The pricing FAQ says Instant Payments are available only to UK businesses and payments are currently supported only in GBP.Read 4 Oct 2026 · finexer.com
Payments
The payments service supports instant account-to-account payments, payment links, QR code payments, batch payments, and automated receipts.Read 4 Oct 2026 · finexer.com
Plan limits
The pricing FAQ says Startup and Standard customers get all available features regardless of plan.Read 4 Oct 2026 · finexer.com
Who it serves
The site identifies accounting and ERP, lawtech, EPOS, payroll and invoicing, proptech and real estate, and utility billing as use cases.Read 4 Oct 2026 · finexer.com

Plans and prices

Enterprise Priced on request Volume-based pricing · Account management · Migration assistance · Customized setup Read 4 Oct 2026 · finexer.com
Standard Priced on request Standard pricing · White label · Data & Payments · Dashboard & Connect · Unlimited Finexer accounts Read 4 Oct 2026 · finexer.com
Startup Priced on request Discounted pricing · White label · Data & Payments · Dashboard & Connect · Unlimited Finexer accounts Read 4 Oct 2026 · finexer.com

Every Finexer plan and price →

Strong points and limits

Strong points

  • Provides real-time account, balance and transaction data.
  • Supports payment links, QR codes and batch payments.
  • Free sandbox accounts replicate production functionality.
  • Offers API documentation, webhooks and developer support.
  • Supports dashboard, hosted consent pages and consent links.

Limits

  • Instant Payments are limited to UK businesses.
  • Instant Payments currently support GBP only.
  • Pricing is on request.

Who it suits

It suits businesses in areas including accounting and ERP, lawtech, EPOS, payroll and invoicing, property and utility billing that need bank connectivity in their services. Developers can use the API and free sandbox accounts to build or assess integrations.

Verdict

Finexer combines bank data access, payment initiation and identity checks through API and hosted connection options. Confirm whether the UK and GBP limits on Instant Payments fit your use case, and request pricing for your plan.

Where Specifiction places it

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