This page notes the additions and updates made to Finix. For changes to the Finix API and how to update your API version, see Versioning.
If you’re a Finix customer who manages sellers, you can now access a brand new Insights page that helps you get a holistic look at your merchant management activity. Get an at-a-glance view of key metrics, see trends around onboarding statuses and active merchants, analyze transaction data by each of your merchants and other variables, and more, right in your Finix dashboard.
Just like other insights in our dashboard you can easily slice and dice these data points across specific time frames and variables to find the exact info you’re looking for.
We’ve added more than 30 new filters to help you easily search, sort and export your dispute data. These dispute filters are available via both dashboard and API and are especially helpful if you’re looking to pull on-demand CSV reports of your disputes customized around your desired parameters.
For more information, see List Disputes.
We’ve added a brand new Exceptions Insights page with two individual tabs for Disputes and ACH Returns data. Get a simpler view of your exception management with key dispute and ACH return metrics at-a-glance and track data across specific time periods and different filters.
We’ve introduced six additional payment terminals to our diverse selection of supported in-person payments hardware. These newly added devices feature a wide array of form factors and functionalities to help support all your in-person payment needs.
For more information on the terminals Finix supports, see Managing Payment Terminals.
You can now enable buyer surcharge fees for your merchants on in-person payments via API.
Please consult your legal counsel if you have questions about a seller's eligibility to assess surcharges or surcharging requirements. Eligibility and requirements are governed by applicable state laws and card brand rules.
For more information, see Buyer Charges.
You can now tokenize international cards on both iOS and Android devices using our mobile tokenization tools. Previously, mobile tokenization was limited to only cards issued within the U.S. With expanded support, you can now accept payments with cards issued around the world.
Please note, this only applies to international card transactions with U.S. merchants, in which the international currency is converted into USD.
For more information, see Mobile Tokenization.
Exporting payments data in the dashboard is now a whole lot easier! We added the ability to seamlessly perform bulk exports on the Authorizations, Merchant Accounts, Settlements, Disputes and Settlement Entries pages of the dashboard. Instead of needing to scroll through all the data listed on these specific pages first, you can now generate a bulk export for all the available data with a single click of a button.
You can now test split transactions in the sandbox via API. Split transactions enable you to split the settlements from a singular transaction across several different test sellers.
Please note, Split Transactions is currently in early access and subject to further changes. For more information, reach out to the Finix Support team.
To learn more about this feature, see Split a Transaction.
We’ve upgraded the Finix dashboard with dozens of new metrics, charts and visuals to help you see your payments data in powerful new ways.
This upgrade includes the following changes:
Get a comprehensive look at your payments activity with the sleeker, smarter and more data-rich Home page. Use the new and improved Home page to get an at-a-glance view of your most important metrics with interactive visualizations and other key insights that can be sliced and diced across specific time periods and a variety of data points with enhanced filtering.
We’ve added a brand new Transaction Insights page with three individual tabs to visualize your Payments, Authorizations, and Refunds data. View and filter across different card brands, payment methods, issuer countries, merchants, date ranges, and more to get a deeper look at your transaction data.
Stay tuned for even more data and analytics tools coming to your dashboard soon!
We’ve made the experience of responding to disputes in the Finix dashboard a lot more seamless. You can now upload and submit dispute evidence files (receipts, shipping information, customer communications, etc.) directly in the Finix dashboard. Once submitted, we’ll then forward the uploaded evidence to support your defense against the dispute.
For a single dispute, you can upload up to 8 files (total size of all files must be <10 mb) in JPG, PNG, or PDF formats. We also recommend using the “Summary of Evidence” field to include information that describes or supports the evidence you’ve uploaded for the issuer to review. After we forward your evidence to the appropriate parties, we’ll update the status of your evidence files to confirm they were submitted successfully.
For more information, please see Uploading Evidence on the Dashboard.
This functionality is also available via API.
Please note, this feature is not available for seller dashboards at this time.
If a dispute gets filed that you don’t want to challenge, you can now easily accept and close that dispute directly in the dashboard.
Reasons you might want to accept liability for a dispute could include:
- The buyer’s dispute is valid
- There isn’t sufficient evidence to counter the claim
- Low transaction amount that doesn’t justify the time/resources needed to respond to the dispute
- You suspect there is fraud or it was caused by an internal issue
On Pending disputes, you’ll now see a button to “Accept Liability”. You can also include a note to communicate to the issuer why it was accepted and provide any other relevant information.
We’ll then forward this information to the appropriate parties to finalize acceptance of the dispute. For more information, please see Accepting a Dispute.
This functionality is also available via API.
Please note, this action is final and accepted disputes count toward your maximum permitted quantity. Once accepted, the dispute will move to a closed state.
This feature is not available for seller dashboards at this time.
We’ve added Google address autocomplete to Finix hosted merchant onboarding forms to provide a more convenient experience for your merchants and better ensure the accuracy of the address information they provide.
Now when a user is filling out an onboarding form and begins to enter their address, the field will expand into a list of predicted matches they can select from to autocomplete the field based on the info they’ve already typed.
If a transfer fails, the raw API response is now available for review in the Finix Dashboard. This is especially helpful for developers who can quickly access the response to see why the payment failed and troubleshoot.
We’ve added and improved elements of the Disputes section of the dashboard to better deliver the critical information you need to manage disputes.
- New Respond Within column on the Disputes page that shows how many days you have left to respond to a dispute
- New Card Last 4 column on the Disputes page that shows the last 4 digits and card brand associated with a dispute
- Improvements to the layout of individual Dispute pages
We’ve refreshed the look and feel of payout settings in the dashboard to make them more intuitive.
Changes include various copy, layout, and visual updates that make it easier to see all payout settings you have configured and when settlements and fees get delivered.
We added new fields to the
Dispute and Dispute Evidence APIs that makes it easier to manage these resources; especially if you have multiple applications or merchants with Finix.
applicationto the Dispute Evidence File resource.
merchantto Dispute and Dispute Evidence File resources.
Administrators managing your company’s team members and roles, can now see all the permissions enabled for a given user when looking at a specific team member’s user page in the dashboard.
This permission list helps provide at-a-glance information on what level of access to sensitive payments data and available actions a specific user of yours has.
We added a field to the
Merchant API resource that details if a seller has surcharges enabled to make it easier for you to identify if processing surcharges is active for the seller.
You can now add and edit tags for Disputes and Dispute Evidence Files via API, just like you would for the other Finix API resources you use (Transfers, Payment Instruments, etc.)
Assigning tags to Disputes and Dispute Evidence files allows you to seamlessly link Finix dispute resources to your own system and include additional data about disputes, such as a custom unique id.
For more details on using tags, see Tags.
We’ve upgraded the look and feel of the date selection button that appears throughout the Finix dashboard, to make filtering your dashboard payments data by specific dates or periods more seamless and dynamic.
You can now include an
idempotency_id when creating a Refund or Reversal. Including this unique identifier with your refund API requests helps ensure that even if duplicate API requests for the same refund are sent, the refund is only initiated once. This is key, because sometimes an issue like an interruption with your network connection or problem with your server can cause an API request for the same refund to get submitted multiple times.
For more details on the
idempotency_id, see Idempotency Requests.
You can now validate new bank accounts when they’re tokenized and used to create payment instruments. This helps you know for certain whether a new bank account is valid before using it in a transaction.
To verify that a bank account actually exists when creating a token, you can include the
attempt_bank_account_validation_check field. If a bank account doesn’t exist, the token will create a
payment_instrument with an error in the
- For details on how to tokenize the details of a bank account, see Using Hosted Fields .
- For details on how to create a Payment Instrument using a token, see Create a Payment Instrument .
The name of a buyer linked to a payment instrument (card, bank account, token, etc.) can now be edited via API. This is helpful in situations where you need to change a name to correct an error or reflect an update to the name of the payment instrument’s owner.
To update the name associated with a
Payment Instrument, see Update a Payment Instrument.
You can now apply for a live payment processing account in the Finix Sandbox!
The Finix Sandbox allows you to easily sign up for an account via our website to explore the Finix dashboard and simulate what your live production experience would be - including accepting test payment transactions, simulating merchant payouts, and building test integrations with Finix.
If you’re ready to start processing payments with Finix, you can easily apply for a live account via your sandbox dashboard, by submitting all the needed application info and selecting what pricing schema and business configuration works best for you. If approved, you can begin accepting payments with Finix in live production.
Below, we’ve added two additional in-person payment failure codes to help you better understand why a certain transaction failed and trigger your own workflows in response to the issue. You can see the full list of failure codes and associated failure messages here.
- DEVICE_IN_USE: The device is currently processing a request. Attempt a request again once the request is complete, or within 6 minutes.
- DEVICE_NOT_ENABLED: The device is not activated. Please activate the device and try again.
We also updated the failure messages for the following existing in-person payment failure codes:
- GENERIC_DECLINE: The transaction was declined for an unknown reason. The account owner needs to contact their issuer for more information.
- TRANSACTION_NOT_PERMITTED: The transaction was declined because the card or transaction type is not permitted. The cardholder needs to use a different type of card or attempt a different transaction method.
In-person payments are now faster than ever! We’ve improved the time it takes our in-person payments API to share the result of a transaction with your system to an average speed of 0.5 seconds. This helps speed up the overall transaction flow and deliver more seamless checkout experiences for your buyers.
To make your dashboard experience more intuitive and powerful, we’ve added the Onboarding Form webhook event to dashboard and Updated API + Webhook logs.
Finix’s payment platform can now support Individual Businesses and Online Marketplaces, in addition to our existing customer segments.
This release delivers more configurations of our platform and different bundles of features for payments solutions tailored to the unique needs of different supported business models and their specific payments use cases.
- Individual Businesses: eCommerce and other individual businesses who sell goods and services directly to buyers online, in-person, or both.
- Software Platforms: SaaS companies offering embedded payments to their customers online, in-person, or both.
- Online Marketplaces: Digital marketplaces that connect buyers and sellers online.
- Payfacs: Large enterprise organizations registered as payment facilitators.
For more info, see Who We Serve.
We’ve enhanced the Finix Sandbox to provide tailored testing experiences for different types of businesses. This latest release adds specialized sandbox environments for different business types, including Software Platforms, Online Marketplaces and Individual Businesses. Now, when a user signs up for a Sandbox account, they will select their business type and be taken to a Finix Sandbox dashboard designed specifically for the business type they selected.
The Finix Sandbox allows users to easily sign up for an account via our website and explore the Finix dashboard and simulate what their live production experience would be - including accepting test payment transactions, simulating merchant payouts, and building test integrations with Finix, all before applying for a live production account.
For more info, see Signing up for a Finix Account.
This feature enables customers to manage their Team Members, Roles, and access levels in the Finix dashboard. These enhancements make it possible for administrators (those with the highest level of access) to add, customize, and manage the users from their company, directly in the Finix dashboard. Managed permissions provide enhanced security and limit who can see sensitive payments data.
In the Finix dashboard you can now easily:
- Add and deactivate team members
- Assign different permission-based roles
- Create custom roles to address unique business needs
The variety of configurable profiles to choose from include:
- Payment Operations Manager
- Merchant Manager
- Settlement Specialist
- User Management Admin
- Custom Roles
Customers can seamlessly manage which team members have access to their company’s dashboard and their specific permissions, deactivate users who no longer need access, as well as create new custom roles tailored to their unique user requirements.
A common example of a custom role you might create is for an outside accountant, who may need access to specific data for a set amount of time during the year. Start managing your team’s roles and permissions here.
From the developer section of the dashboard, users can now review logs that detail all the webhook events they’ve received. Developers are also able to receive dashboard and email notifications about webhook events they’ve received.
With an easily accessible log you can check at any time, it’s an easier path to debug, troubleshoot, and audit the activity you process.
The webhook events log allows you to:
- Review how webhooks are configured
- Review a history of all webhook event attempts
- Filter webhooks by attempts and troubleshoot any failed events
- Reattempt events that have failed
- Enable email and in-dashboard notifications for failing webhooks
Now that we’ve added the
merchant field to
Authorizations, you can save multiple API calls by directly referencing a
Merchant resource instead of using the Seller’s
Identity to reach it. This is especially helpful when you’re looking to understand the origin of a transaction.
In the Finix Sandbox, users submitting and accepting disputes will now receive an API response that echoes the Dispute resource. Previously, they’d only receive a return indicating that their API call was accepted and that the dispute exists. This update allows Sandbox users to better simulate disputes with more of the same functionalities they’d experience with a live payment processing account, like seeing the status of a dispute (“Won", “Closed” and “In Progress”), as well as other information.
For more details, see Responding to Disputes.
Customers now have the ability to search for tags in the dashboard.
You can now search the following resources by the keys and values of any tags that have been applied:
Customers can also search for tags in the Finix API using our new tag filters, allowing you to enable more functionality with our system and the ability to link your own system’s IDs with Finix.
We've also made general improvements to the logic around our search! You can type partial words or terms and we’ll return all results that include that partial search term.
Using our API, customers can set a different maximum transaction limit for ACH Direct Debits than the maximum set for Credit Card transactions. This gives you flexibility with ACH Direct Debits and allows you to create a maximum transaction limit specifically for ACH transactions.
For more details see the
Android Tokenization enables you to accept and tokenize payment details in your Android app without exposing yourselves to PCI risk.
You can now test ACH Returns in your sandbox! This enables you to test scenarios, process failure reasons, and help your sellers understand how to handle failed ACH payments–all in a test environment. Tests include:
- Insufficient Funds
- Account is Closed
- No account on file
- Invalid Account Number
For more details, see Testing ACH Returns.
December 15, 2022
This is the last of a three-part release to refresh the user experience of our entire dashboard. The additional user experience improvements include reorganizing the Application, Merchant, and Push-to-Card pages to simplify where to find the most helpful information and make finding that information more intuitive. The changes made to the dashboard the past three weeks should help you complete tasks more quickly and efficiently–for example, by using new filters to easily create on-demand reports for information you’re seeking, or using the click-to-copy function to accurately and efficiently transfer data to external databases.
For more information about what's available in the Finix Dashboard, see Finix Dashboard.
November 17, 2022
Thanks to the collective feedback from our customers about the Finix Dashboard, every page of the Finix Dashboard has been redesigned, focusing specifically on how content is organized, utilized by different teams (such as features catered to developers and to payment operations), and laid out for greater clarity, discoverability, and ease of use. This release kicked off the implementation of those designs.
We’ve updated naming conventions to be more intuitive, for instance: “Transfers” that are buyer purchases are now called “Payments” in the dashboard. Payments now appear along with “Authorizations” and “Refunds” in the “Transactions” list in the left navigation bar of your dashboard.
We’ve better organized pages within each section of the dashboard, and added more filters so you can easily sort and report on information you want to see at any given time. These filters are also helpful to pull on-demand reports from the dashboard so that you don’t need to wait for settlement reports, which come at the end of the day and include comprehensive information, which may not be needed if your goal is to extract a finite set of information from a given time period. These reports can be found in your exports section of the dashboard–at the bottom left–so you can go back and reference them at any time. You can also download them as a CSV file.
Lastly, we improved the settlements experience with detailed page headers that showcase the payout type of a given transaction (such as net versus gross payout type).
We released an entirely new suite of payment terminals for
including the addition of new Finix Mobile SDKs and new Finix APIs so that you can choose the software and hardware pairing that works best for your business.
You can now white label using your own branding with Finix!
- You can now white-label, or customize your dashboard, your merchants’ dashboards, and embedded merchant onboarding forms using your own company branding - including your company logo and colors.
- White labeling creates a consistent user experience for your merchants which can lead to increased trust and translate to a higher willingness to complete onboarding more quickly.