Finance APIs for AI agents

Reference guides for the finance apps an AI agent can work with: every endpoint, the permission each one needs, and how to give agents safe, governed access.

Adyen

25 endpoints

The Adyen API is how an app or AI agent takes a payment, captures or refunds it, removes a shopper's saved card, sends a payout, or configures a merchant account.

Updated 23 June 2026 · API Checkout v71
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Airwallex

25 endpoints

The Airwallex API is how an app or AI agent works with an Airwallex account: accepting a payment, refunding it, paying out to a beneficiary, or reading the balance across currencies.

Updated 23 June 2026 · API 2026-05-29
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BILL

34 endpoints

The BILL API is how an app or AI agent works with a BILL organization: drafting a bill, adding a vendor, paying a bill, or sending an invoice to a customer.

Updated 23 June 2026 · API v3
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Brex

33 endpoints

The Brex API is how an app or AI agent works with a company's Brex account: reading settled card and cash transactions, checking account balances, issuing and locking cards, sending transfers to vendors, and managing expenses and receipts.

Updated 23 June 2026 · API v2
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Chargebee

38 endpoints

The Chargebee API is how an app or AI agent works with a Chargebee site: creating a subscription, charging an invoice, adding a customer, building the product catalog, or issuing a credit note.

Updated 23 June 2026 · API v2
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Checkout.com

32 endpoints

The Checkout.com API is how an app or AI agent works with a Checkout.com account: requesting a payment, capturing or refunding it, tokenizing a card, raising a payout, or handling a dispute.

Updated 23 June 2026 · API Unified Payments API
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Expensify

16 endpoints

The Expensify API is how an app or AI agent works with an Expensify account: exporting report and card data, creating expenses and reports, reading and updating policies, and marking reports reimbursed.

Updated 23 June 2026 · API 2026-06-09
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FreshBooks

39 endpoints

The FreshBooks API is how an app or AI agent works with a FreshBooks account: creating and sending an invoice, recording a payment, adding a client, logging an expense, or tracking time on a project.

Updated 23 June 2026 · API Current
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GoCardless

28 endpoints

The GoCardless API is how an app or AI agent collects bank payments: creating a customer, setting up a mandate to take Direct Debit, charging a payment, or running recurring billing through subscriptions.

Updated 23 June 2026 · API 2015-07-06
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Mercury

29 endpoints

The Mercury API is how an app or AI agent works with a Mercury banking account: reading account balances and transaction history, managing recipients, sending money to a saved recipient, and issuing or freezing cards.

Updated 23 June 2026 · API v1
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Mollie

34 endpoints

The Mollie API is how an app or AI agent works with a Mollie account: taking a payment, refunding a charge, creating a customer, or running recurring billing through mandates and subscriptions.

Updated 23 June 2026 · API v2
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NetSuite

23 endpoints

The NetSuite API is how an app or AI agent works with a NetSuite account: reading and writing records like customers and items, creating transactions such as invoices and sales orders, and running queries across any record.

Updated 23 June 2026 · API v1
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Paddle

32 endpoints

The Paddle API is how an app or AI agent runs billing in a Paddle account: creating products and prices, charging a customer through a transaction, managing recurring subscriptions, and refunding a charge as an adjustment.

Updated 23 June 2026 · API 1
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PayPal

34 endpoints

The PayPal API is how an app or AI agent works with a PayPal business account: creating a checkout order, capturing or refunding a payment, billing a subscriber, sending an invoice, or paying out to many recipients at once.

Updated 23 June 2026 · API v2
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Plaid

24 endpoints

The Plaid API is how an app or AI agent connects to a person's bank to read transactions, pull account and routing numbers, check balances, fetch identity, or read investments, liabilities, and income.

Updated 23 June 2026 · API 2020-09-14
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QuickBooks

32 endpoints

The QuickBooks API is how an app or AI agent works with a QuickBooks company's books: creating an invoice, recording a payment, adding a customer or vendor, and querying bills and accounts.

Updated 23 June 2026 · API v3
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Ramp

30 endpoints

The Ramp API is how an app or AI agent works with a Ramp account: listing card transactions, issuing a virtual card, setting a spend limit, or reading reimbursements and bills.

Updated 23 June 2026 · API v1
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Razorpay

36 endpoints

The Razorpay API is how an app or AI agent works with a Razorpay account: creating an order, capturing a payment, refunding a customer, running recurring subscriptions, or sending a bank payout through RazorpayX.

Updated 23 June 2026 · API v1
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Recurly

35 endpoints

The Recurly API is how an app or AI agent runs subscription billing on a site: creating an account, starting or canceling a subscription, collecting or refunding an invoice, and applying a coupon.

Updated 23 June 2026 · API v2021-02-25
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Sage

26 endpoints

The Sage API is how an app or AI agent works with a Sage Business Cloud Accounting business: listing contacts, raising a sales invoice, recording a payment against a bill, or posting a journal to the ledger.

Updated 23 June 2026 · API v3.1
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Spendesk

33 endpoints

The Spendesk API is how an app or AI agent works with a company's spend data: reading settlements and payables, pulling the receipts attached to an expense, and listing suppliers, members, and cost centers.

Updated 23 June 2026 · API v1
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Square

35 endpoints

The Square API is how an app or AI agent works with a Square seller account: taking a payment, refunding a charge, creating an order, updating a customer, or changing the catalog and stock.

Updated 23 June 2026 · API 2026-05-20
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Stripe

52 endpoints

The Stripe API is how an app or AI agent works with a Stripe account: taking a payment, refunding a charge, creating a customer, or running recurring billing through subscriptions and invoices.

Updated 22 June 2026 · API 2026-05-27.dahlia
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Wave

15 endpoints

The Wave API is how an app or AI agent works with a Wave business: creating an invoice, recording a customer, posting an accounting transaction, or reading the chart of accounts.

Updated 23 June 2026 · API GraphQL (unversioned)
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Wise

29 endpoints

The Wise API is how an app or AI agent moves money internationally: pricing a transfer with a quote, adding a recipient, creating and funding a transfer, and reading the currency balances in a multi-currency account.

Updated 23 June 2026 · API v1
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Xero

33 endpoints

The Xero API is how an app or AI agent works with a Xero organisation: raising an invoice, recording a payment, adding a contact, reconciling a bank transaction, or pulling a Profit and Loss report.

Updated 23 June 2026 · API 2.0
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Zoho Books

32 endpoints

The Zoho Books API is how an app or AI agent works with a Zoho Books organization: creating and emailing invoices, adding customers and vendors, recording bills and expenses, and applying customer payments.

Updated 23 June 2026 · API v3
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Orientation

About finance APIs for AI agents

A finance API is how an app or AI agent works with payments, banking, accounting, and spend. The platforms here, including Stripe, QuickBooks, Xero, and Plaid, hold money movement and financial records, and their APIs let an agent read a transaction, create an invoice, reconcile an account, or take a payment.

These APIs can move money and expose financial detail, so the permission attached to an access key is the central control: reading a transaction is narrow, while issuing a refund or paying a bill is not. Access runs on an access key, and most platforms separate read access from the permission to move funds and offer restricted keys. A governed layer lets an agent that reconciles invoices read accounting records without holding a key that can also send a payment.

Frequently asked questions

Which finance and accounting APIs can an AI agent use?+
The Atlas covers Stripe, PayPal, Square, QuickBooks, Xero, Sage, Plaid, Brex, Ramp, Mercury, Wise, and many more. Their APIs handle payments, invoicing, accounting, banking, and expense data.
Can an AI agent take a payment or issue a refund?+
Those are write actions that move money, so they need a specific permission. Stripe and similar platforms separate them from read access and support restricted keys, which is how an agent can be allowed to read charges but not refund them.
Can a finance API key be restricted to read-only?+
Yes. Platforms like Stripe offer restricted keys scoped to chosen resources and to read-only, so an agent can read transactions or invoices without being able to change or move anything.
Can an AI agent create an invoice in QuickBooks or Xero?+
Yes, with a write permission to invoices. Both expose endpoints to create and read invoices and reconcile accounts, which an agent can use while other areas stay out of reach.
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