What is the Xace API?
The Xace API is a secure way for your company’s software to communicate with Xace so you can view account information and, where enabled, manage payments without logging into the Xace app each time.
You do not need to be a developer to understand the idea. Think of it as a reliable messenger between your systems and Xace.
Why does this exist?
Many businesses already use their own tools for accounting, payroll, or operations. They don’t want to copy balances and payments by hand.
The API lets those tools:
Look up what is on your Xace accounts
Keep records of money in and money out
Set up who you pay and, with the right access, send payments
Get notified when something important happens with a payment
What can you do with it?
1. See your accounts and balances:
Ask Xace: “Which accounts do we have?” and “How much is available right now?”
2. See transactions (money movements):
Ask for a list of payments and receipts — like a bank statement inside your own system.
For a full day view, Xace can also provide a daily statement (CAMT.053), often used for reconciliation.
3. Save people or companies you pay (payees):
Add contractors or suppliers once. Later payments use that saved profile — no retyping bank details every time.
4. Send and approve payments (when your access allows it):
Payments use the payee’s ID. If needed, your process can include approvals before funds are disbursed.
5. Get alerts when something changes (webhooks)
Xace can notify your system of payment-related events, so you don’t have to keep asking, “Anything new?”
A simple picture of how it works
You get the credentials in your Xace account.
Your software signs in securely
It asks for what it needs (balances, transactions, payees…)
Xace replies — or confirms an action
Optional: Xace also pushes updates when payments change.
Good habits
Prefer focused requests (one account, one day’s statement) over downloading everything repeatedly
If you see “too many requests”, wait and try again
Be clear early: do you mainly need visibility, or also need to send payments?
Who is this for?
Finance/ops teams, partners evaluating connectivity, or anyone who opened the page by accident and wanted a plain explanation.
One takeaway: the Xace API is the bridge that lets your software see account activity and, with the right permissions, help manage payments — safely and without constant manual login.
Next step
Full technical docs are available here: