integrations
AI Agents for Finix Operations
How platforms on Finix use AI agents for payment ops: review settlements before approval, prepare dispute evidence, and investigate failed payouts, with the Finix API, webhooks, and approvals.
AI agents can take the review and investigation work in Finix operations: checking each settlement before it is approved, preparing dispute evidence before the respond_by deadline, and explaining failed payouts with their ACH return codes. They connect through the Finix API, webhooks, and reports, use the narrowest API role that works, and leave settlement approvals, dispute submissions, and payout changes to a person. Runtime is the AI agent harness for payment and fintech teams, and it runs these agents with approvals and a full record of every run.
This guide is for payment ops and finance leads at software platforms that run payments on Finix. I worked at Finix before Runtime, but everything below comes from Finix's public documentation, and Runtime has no official integration or partnership with Finix. Agents reach it through the same public interfaces your engineers use.
The ops work on Finix that agents can take
| Queue | What the agent does | What stays human |
|---|---|---|
| Settlement review | Checks each settlement's entries, fees, and totals against expectations and flags anomalies | Approving the settlement or removing entries |
| Disputes | Reads the reason and respond_by date, gathers evidence, uploads evidence files | Submitting or accepting |
| Failed payouts | Explains the ACH return code and the seller's bank details, drafts the fix | Updating the destination or re-sending the transfer |
| Seller onboarding updates | Summarizes merchant updates such as UPDATE_REQUESTED and what the seller must provide | Any underwriting decision |
| Reconciliation | Matches settled transactions and fees from Finix reports to bank deposits and the ledger | Approving entries |
How agents connect to Finix
API. The Finix API covers transfers, settlements, disputes, dispute evidence, merchants, and identities. Keys use Basic authentication, are separate for Sandbox and Live, and are scoped by role: ROLE_PLATFORM, ROLE_PARTNER, or ROLE_MERCHANT.
Webhooks. Finix webhooks cover transfers, disputes, settlements, merchants, evidence, and more. You can subscribe to specific events with enabled_events, authenticate with Basic or Bearer, and verify the Finix-Signature HMAC header.
Reports. Finix reports are CSVs in the Dashboard, including settlement, transaction, fee, chargeback, and Failed Funding Instructions reports.
MCP. Finix publishes an MCP server for its documentation. It helps an agent look up endpoints and schemas. It doesn't read account data, so it isn't how an ops agent reads disputes or settlements.
Browser. For Dashboard-only work, such as downloading reports, an agent can use a browser session with a Dashboard user. Finix's Viewer role is read-only.
Credentials. Finix doesn't document a read-only API key. Use the narrowest role that fits (a partner key scoped to one application rather than a platform key), keep it masked, and restrict which endpoints the agent's tools are allowed to call.
Workflow: settlement review before approval
On Finix Core, you approve settlements for your sellers, through the API or the Dashboard, and Finix's docs set a daily approval cutoff. When approved, Finix creates a funding transfer to the seller's bank account. That makes the review before approval the place where mistakes are caught.
Settlements are waiting for approval on Finix. For each one, compare the total, entry count, refunds, and fees to the seller's recent history and fee profile. Flag anything unusual: a spike in volume, refunds above normal, a new bank account, or open disputes on the seller. Post the list in #payment-ops with a recommendation for each, well before the approval cutoff. Don't approve anything.
Workflow: dispute evidence
The Dispute object carries a respond_by deadline. Evidence is uploaded as files (JPG, PDF, or PNG, up to 1 MB each and 10 MB combined) and then submitted. Finix's docs note that after submission you can't add more evidence unless the dispute escalates. Accepting a dispute marks it LOST.
A new dispute arrived on Finix. Read the reason code and respond_by date. Pull the order, receipt, delivery or service proof, and customer messages, and combine them into files within Finix's size limits. Upload them as evidence and post a summary in #disputes with your recommendation to submit or accept. Don't submit or accept.
Workflow: failed payouts
When a funding transfer fails, Finix marks it failed and tags it with the ACH return code. The most common cause is wrong bank account information. Finix retries automatically, and if retries fail the amount is handled in later payouts, so the seller is often asking support before ops knows why.
A seller's payout failed on Finix. Find the funding transfer and its ACH return code, check when the seller's bank account last changed, and check the Failed Funding Instructions report for earlier failures. Explain what happened and what the seller needs to do, draft the reply for support, and draft the corrected payout for ops to approve. Don't change the bank account or re-send the transfer.
Guardrails
- Narrowest role first. No platform keys for investigation agents, and an allowlist of endpoints per agent.
- Approvals before money moves. Settlement approvals, entry removals, re-sent transfers, refunds, and dispute submissions wait for a named person.
- Draft, then submit. Agents upload evidence and draft replies; a person submits.
- Verify webhooks. Check the
Finix-Signatureheader before an event can start a run. - Every run recorded. Trigger, API calls, reports used, approval, and result, so the record your sponsor bank asks for stays with you.
Where Runtime enters the picture
Finix gives platforms the payments rails, settlements, and disputes. The agent work around it needs a place to run, access to the seller's history in your own product, the bank, and the ledger, and controls your sponsor bank will accept. A failed payout is a support ticket, a payment ops investigation, and a finance break at once, and today each team chases it separately.
Runtime is the AI agent harness for payment and fintech teams. Each agent works on its own isolated computer, reaches Finix through its API, webhooks, reports, and a browser, reaches your other systems through APIs and databases, and is called from Slack, email, or the dashboard.
- No single vendor to depend on. Agents run in your AWS, GCP, or Azure account or fully self-hosted, with fallbacks across sandbox providers and models (Claude, GPT, Gemini, open-weight) and harness routing across Claude Code, Codex, and OpenCode.
- Guardrails you set. Read-only by default, approvals before settlements or payouts, RBAC, masked Finix keys, PII and card data stripped from prompts and logs, and every run recorded.
- Built for teams. Support, payment ops, finance, risk, and compliance share agents, templates, and one memory, so a failed payout is one investigation with one record.
- An engineer, not an account executive. A forward-deployed AI engineer with a payments background (Hulu's payments team at Disney, Finix, Modern Treasury, BlackRock) builds the first agents with your team.
Create a banking ops agent that handles RFIs, hold-harmless requests, and returns of funds from our partner bank, verifies against our ledger, and drafts replies for my approval.
bank-ops-agent
Tools picked from your prompt
A realistic timeline
| Milestone | Typical time |
|---|---|
| First Finix investigation agent running | Minutes on Runtime; days if you build the infrastructure yourself |
| Failed payout explanations drafted for support | First week |
| Settlement review before the daily cutoff | Two to three weeks |
| Dispute evidence uploaded for review | Two to three weeks |
| First approved write action | After the read-only agents have earned trust |
Frequently asked questions
Can an AI agent manage Finix disputes?
An agent can read each dispute and its respond_by deadline, gather evidence from your systems, and upload evidence files through the Finix API. A person should review and call submit, because Finix doesn't accept more evidence after submission unless the dispute escalates. Accepting a dispute marks it LOST, so that stays human too.
Does Finix have an MCP server?
Yes. Finix publishes an MCP server at docs.finix.com/mcp. According to Finix's documentation it covers documentation only: it searches guides and API references and returns endpoint details and the OpenAPI spec. It doesn't read account data such as transfers or disputes, so ops agents use the Finix API, webhooks, and reports for that.
Can an agent approve Finix settlements?
Technically, settlements can be approved through the Finix API or Dashboard. We recommend the agent review each settlement and flag anomalies, then a person with the right Dashboard role approves. On Finix Core, approvals have a daily cutoff, so the agent's review should run early enough for someone to act.
What credentials should a Finix ops agent use?
Finix API keys use Basic authentication and are scoped by role: ROLE_PLATFORM, ROLE_PARTNER, or ROLE_MERCHANT. Finix doesn't document a read-only API key, so use the narrowest role that works, keep the key in a secrets manager, and limit which endpoints the agent's tools can call. For Dashboard-only tasks, use a user with the Viewer role.
Where does Runtime fit next to Finix?
Finix is the payments platform and holds the transfers, settlements, and disputes. Runtime is the AI agent harness for payment and fintech teams: it runs agents on isolated computers that reach Finix through its API, webhooks, reports, and a browser, connect that data to your ledger, bank, and support tools, and wait for human approval before money moves. Runtime is not a Finix product or partner integration.
Put agents on your Finix queues
Start with one queue, failed payouts or settlement review, and no write access. Spin up an agent yourself, or talk to the founders about mapping your Finix operations.