How it works

From connection to automation in four steps

One API to link a user's billers, pull their bills, stream events into your app, and pay — without integrating each biller yourself.

Step 1

Connect a biller

Users open your drop-in Connect flow, search for their biller, and authenticate. We handle credentials, OAuth, or API keys depending on the biller, walk users through MFA when required, and let them pick which accounts to link. Credentials are encrypted in Vault — your servers never see them.

Step 2

Retrieve bills automatically

For most billers we run headless browser automation against the biller portal on a schedule. For partnered billers we call their APIs directly. Either way we pull statements, line items, due dates, and balances, normalize them into one schema, and write them to the bill store.

Step 3

Stream events to your app

Every change publishes a signed webhook (bill.created, bill.updated, link.expired, payment.completed, and more). Subscribe to the event types you care about per client; we filter at the source, retry on failure, and sign each delivery so you can verify origin.

Step 4

Pay through the same connection

Initiate a payment through one API and we execute it on the same linked account — no separate processor setup per biller. You get scheduling, confirmation, and status events back through the same webhook stream.

Ready to see it in action?

Spin up a sandbox client, explore the Connect experience, and start ingesting live test bills in minutes.