Developer portal
Integrate billing and payments for your insurance products.
A hosted API for policies, endorsements, commission splits and installments. Start in the developer portal, then build on a Labs tenant.
Your policies need more than a checkout.
Your premiums come in installments, split across carriers, agents and taxes, and change with every endorsement. A simple payments API leaves that logic to you. Functional Finance handles it.
Money moves between several parties on every one of your policies.
Your premiums, installment schedules and commission splits between agents and carriers are core data, not add-ons. Payment integrations bolted on top break under real policies.
Your first payment integration can become your hardest constraint.
A Stripe or ePay integration that worked for your first product can hold you back at scale. Switching providers then means rebuilding your payment foundation, not swapping credentials.
Your existing systems can take payments too.
You do not need to become a REST expert to take payments from a SQL-first system. Code samples in cURL, Node and Python show each call.
Your payment data stays yours, structured and exportable.
Every transaction, installment and audit event is an object with a full history you can query and export. Nothing to reverse-engineer at audit time.
REST API
If you know a modern payments API, you know this one.
The Functional Finance API is a hosted REST API for billing on contracts and policies: predictable, documented and consistent. You are productive on day one.
What is different: payment intent, multi-party splits and full audit trails are core API objects for your contracts and policies, not add-ons.
What you get in the developer portal.
A Labs tenant, code samples, documentation, and an AI assistant that answers from the docs.
Labs tenant
Your own tenant in Labs with sandbox API keys, set up once our team approves your sandbox request. Payments are simulated, so no real money moves.
SDKs and Code Samples
Runnable code samples in cURL, Python, and Node for every common operation today. Packaged Python and Node SDKs are coming soon.
AI Knowledge Base
Get answers to your integration questions: field meanings, valid values, error handling and patterns, without opening a support ticket.
What's inside
Full documentation in the developer portal.
Works with major payment processors behind a single API
Fully hosted SaaS, no infrastructure to run or maintain
REST API and webhook events with predictable, well-documented patterns
OpenAPI / Swagger spec with idempotency keys
Sandbox environment for integration testing
Full audit trails on every money movement
Platform Map
One platform for the flow of insurance money
Billing, payments, cash application, treasury, payables and an immutable ledger, on one set of rules for every policy.
Connect & present
Money in
Account servicing
Money out
Treasury · Ledger
Core financial services
You can see the fully detailed flows and architecture after you are approved for developer or tenant access to Labs.
Request accessUse Functional Finance from your AI agent
Connect Functional Finance's MCP server to Claude Code, Cursor, VS Code with GitHub Copilot, Codex or Windsurf. Sign in, create an MCP token on the API keys page, then follow the steps for your tool.
Start in the developer portal.
Sign up with your business email and a one-time code. The docs and AI assistant open when you sign in, and your own Labs tenant and sandbox API keys follow once Functional Finance approves your request.
Sign up with your business email and verify with a one-time code. Your saved configurations are tied to your account.
Business email required.