An API solution for real-time financial data access
Connect | Collect | Normalize | Analyze
Building the financial services of the future
Access to real-time financial data is imperative for the future of finance. FIS® Accounting Data as a Service™ (formerly Railz) is a financial data API that transforms the way financial institutions, fintechs and developers push and pull data from accounting, banking and e-commerce systems.
Better support for your business customers
Making real-time, impactful decisions for your business customers requires access to normalized financial data across multiple accounts. Accounting Data as a Service helps you eliminate manual entry and paperwork with automated data gathering and use holistic customer data to create personalized solutions.
See details
Get up and running fast
Fintechs need seamless integrations and solutions that combine accuracy with speed. Accounting Data as a Service streamlines the setup process for fintech developers, allowing you to integrate with our financial data API and launch in less than a day with minimal code.
See details
Develop your applications on top of our API
To efficiently build integrated solutions for your small to midsize customers, you need comprehensive, developer-centric documentation. Accounting Data as a Service enables rapid banking, commerce and accounting software integration, reducing development time and offering simpler testing through sandbox environments and sample data.
See detailsTools for effective business decision-making
Equipping yourself with the right tools is crucial for effective decision-making. Our Accounting Data as a Service use cases demonstrate our ability to deliver detailed business credit scores, automate payment processes and enable companies to make informed decisions about creditworthiness.
Explore all resourcesDownload Use Cases for:
Connect to your customers’ data
By connecting to major accounting, banking and e-commerce platforms, the Accounting Data as a Service API provides you fast access to normalized and analyzed financial data on your small and midsize customers. Employ our financial data API to streamline data integration and retrieval.
See detailsOne platform connecting you to all major accounting services
Pricing options that accommodate everyone
We offer a flexible platform that grows with your business needs. Explore our range of pricing features, from automated and on-demand syncing to white-label options and live technical support.
Freemium
Enjoy lifetime sandbox testing and production access for up to five connected businesses.
Pay as you go
Launch your product with a monthly platform fee and charge per connected business.
Enterprise
Get a personalized solution backed by dedicated support and volume pricing.
Shaping the next generation of financial services
We’re focused on building the largest financial data network so you can deliver the next generation of data-powered financial services. As part of this effort, we’re simplifying API logs for easier monitoring and expanding ERP bank account coverage and support to streamline integrations.
See what's newLet’s keep our conversation going
Learn more about how FIS can help you quickly gain access to the financial data you need.
Connect with an expert to get all your questions answered.
Find out how easy it is to connect to your customers’ data.
Reach out for pricing details that align with your needs.
View detailed specifications for our Accounting Data as a Service solution.
Specs
Accounting Data as a Service
Reliable data access enables you to make informed decisions about the creditworthiness of your customers
Seamless integration helps simplify and automate payment tasks, such as bank data and merchant reconciliation
Financial insight
Obtain a complete view of your customers’ financial health with cash flow forecasting and transition management services.
Data-informed decisions
Apply real-time accounting information to drive insurance decisions for your commercial customers.
Investment oversight
Manage and oversee your commercial customers’ investments across multiple platforms.
Comprehensive monitoring
Track and monitor details about all buyers and sellers, as well as invoices and payments, across global financial data.
API capabilities
FIS® Accounting Data as a Service™ (formerly Railz) equips you with the tools you need to maximize your customers’ accounting, banking and e-commerce data. Tap into our financial data API to make faster, data-driven decisions while unlocking the full potential of your business offerings.
API
Get on-demand access to the financial data you need
The Accounting Data as a Service API is your single connection to all major accounting service providers, including Dynamics 365 Business Central, FreshBooks, Oracle NetSuite, QuickBooks Desktop, QuickBooks Online, Sage Business Cloud, Sage Intacct (Beta), Xero, Wave and Zoho Books. This accounting API integration also enables real-time access to financial transactions, reports, analytics and insights on your business customers.
Connect
Ensure customer trust with reliable and easy access to their data
Accounting Data as a Service Connect features a plug-and-play widget with a streamlined, secure authentication flow for each accounting service provider we support. Plus, it offers the ability to integrate with our API on your website – giving your customers direct login access to their accounting service providers.
Sites
Help businesses connect their financial data within minutes
Accounting Data as a Service Sites is a white-labelled front-end interface powered by the Accounting Data as a Service API and Connect. Its no-code solutions remove the need for you to implement Accounting Data as a Service Connect in your applications to receive the financial data you need.
Analytics
Make sense of your customers with normalized, digital data
Accounting Data as a Service Analytics is an output of organized, cleaned and normalized financial data. Our proprietary models analyze and review your normalized data to provide valuable insights into your commercial customers’ financials, enhancing your understanding of their behavior.
Normalization
Understand financial data across all your commercial customers
Accounting Data as a Service Normalization is a proprietary machine-learning model that enables you to make sense of complex accounting data. This financial data normalization engine processes your business customers’ financial data into a structured format for actionable insights and analytics.
Dashboard
Access and view the data you need
The Accounting Data as a Service Dashboard provides comprehensive insights and analytics in a clear, structured format. With easy-to-navigate options, you can explore platform usage, financial data and business performance insights across all businesses.
Visualization SDK
Design an embedded finance strategy to support your branding and marketing goals
Accounting Data as a Service Visualization SDK is a collection of standardized web components that allow you to build customized financial dashboards, visualize key metrics in real time and develop the next generation of embedded finance products.
eCommerce Integration
Integrate your customers’ data directly into your application
The Accounting Data as a Service eCommerce Integration enables you to connect and integrate with your customers’ Shopify and Square accounts. With this accounting software integration, you can directly import disputes, orders, transactions and product information into your application to help ensure accuracy.
Pricing
We offer pricing that scales with your business. Build next-generation solutions for business customers with flexible options that match your budget and needs.
Freemium
Enjoy lifetime sandbox testing and production access for up to five connected businesses.
Features
Pay as you go
Launch your product with a monthly platform fee and charges per connected business.
Features
Enterprise
Get a personalized solution backed by dedicated support and volume pricing.
Features
What's new
API log
This upcoming API log enhancement streamlines request tracking and reveals success or error statuses.
ERP support
Introducing support for ERPs, including Yardi and MYOB, this upcoming integration allows you to gather data from your business customers.
API enhancements
This feature delivers API updates with Push Tax rates for Xero, MSDBC, FreshBooks and Sage Business Cloud, along with improved analytics and expanded ERP bank account coverage.
Upgrade your efficiency with the latest capabilities
Stay informed and engaged with Dashboard. Control your account, adjust integrations and view the financial data of your connected businesses – all in one centralized platform.
Resources
Business financial management use case
An approach to delivering a business credit score and comprehensive financial view, enabling bank advisors to provide better financial advice.
Payment reconciliation use case
A strategy for automating payment workflows, including bank, merchant and accounts receivable/payable reconciliation, reducing administration burden.
Lending product use case
A framework that enables companies to make fast, informed decisions about business creditworthiness, streamlining loan origination and monitoring and credit approval.
FAQ
Is Accounting Data as a Service a decisioning engine?
No. You can incorporate the accounting data retrieved through our financial data API into your internal models and decision engines.
What analytics does Accounting Data as a Service offer?
Accounting Data as a Service Analytics allows you to piece together features for a better understanding of your business behavior. It currently supports the following features:
- Credit score and rating
- Business valuations
- Financial benchmarking
- Financial forecasts
- Financial ratios
For more details, see our API reference.
How do I contact support? And what support services are available?
Contact the support team with the chat option in the Dashboard or by filling out this form.
Our support team specializes in providing help with these key areas:- Deleting stored data
- Disconnecting an existing connection
- Troubleshooting accounting software provider connection issues
- Accounting API integration
What accounting service providers do you support?
Accounting Data as a Service supports the following service providers:
- Dynamics 365 Business Central
- FreshBooks
- Oracle NetSuite
- QuickBooks Desktop
- QuickBooks Online
- Sage Business Cloud
- Sage Intacct (Beta)
- Xero
- Wave
- Zoho Books
What are the available formats for exporting financial statements?
Financial statements can be exported as PDF, JSON, XLSX and CSV from the Dashboard.
How many account levels do you support?
The amount of levels we support depends on the accounting service provider (ASP). We accommodate any number of levels based on the support provided by each ASP. In our chart of accounts endpoint, the depth field determines this hierarchical level of accounts.
How does your account normalization work?
Accounting Data as a Service normalizes all account charts with four subclassification: section, subsection, group and subgroup. Refer to our reference materials for more details about these classifications and account normalization, or explore our chart of accounts endpoint.
What currency will business financials be shown in?
Accounting Data as a Service displays the financials in the base currency of the business.
Do you offer a white-labelled version of Accounting Data as a Service Connect?
Yes, all our paid plans include a white-labelled user interface that can be built seamlessly into your application. Refer to our API documentation for more details.
Developer resources
Dashboard
Manage your account, integrations, business data and more with our web-based dashboard portal.
Log inDocumentation
Review our reference materials and guides for developing and testing with our core product sets.
Get startedSupport
Take advantage of valuable insights and expertise from our Accounting Data as a Service team.
Find supportLet's keep our conversation going
Learn more about how FIS can help you quickly gain access to the financial data you need.
Connect with an expert to get all your questions answered.
Find out how easy it is to connect to your customers’ data.
Reach out for pricing details that align with your needs.
Get a brief overview of our Accounting Data as a Service solution.