Connect Isracard Business (clearing)
Connect your Isracard Business merchant account to read card clearing payouts (what was settled, and what will be credited to your bank and when) next to your bank data.
Connect Isracard Business (clearing)
Isracard Business (ישראכרט עסקים) is the first card clearing connection in Financy. If your business accepts cards through Isracard, Financy reads your clearing payouts: what was already credited to your bank account, and what will be credited and when. Financy only reads. It never acts in your Isracard account and never moves money.
Available on Pro and Ultra. Isracard Business is in beta.
What Financy reads
Each settlement is one payout from Isracard to your bank account:
| Status | expected: a future credit Isracard has scheduled. settled: a credit already paid |
| Payment date | The day the money reaches (or reached) the bank |
| Merchant number | The merchant (branch) the payout belongs to |
| Payout account | The last four digits of the bank account credited |
| Amounts | Gross, commission, VAT, discount, charging fee, advance-repayment fee, and the net that reaches the bank |
An expected payout and a settled one are different points in time for money that moves only once. Never add the two together. To ask "how much will come in this month", sum theexpectedpayouts. To ask "how much came in", sum thesettledones.
A few more rules for reading payouts correctly:
- A settled payout is already in the bank account ending in its payout account, so it is already part of that account's balance and transactions. Never count it on top of them.
- An expected payout dated before today that never became settled is unconfirmed: check the bank before relying on it.
- Deductions are positive numbers, and net = gross − all deductions. A
nullamount means unknown, not zero. - Card payouts are not invoice receivables. Never merge the two: they are different money.
The first sync reads the last 3 months, and older history up to 12 months follows. After that Financy reads Isracard twice a day, plus a weekly rescan.
Connect
Isracard Business has no API for this data yet, so Financy signs in to the Isracard Business site on your behalf, with the password sign-in you already use there.
- Make sure you can sign in to the Isracard Business site with a password (on the site: Other ways to sign in → Password).
- In Financy go to Accounts → Business systems (חשבונות ← מערכות עסקיות). Isracard Business is listed under Clearing data (נתוני סליקה).
- Next to Isracard Business click Connect (חיבור) and enter the bank account number, username and password exactly as you type them on the site. Your merchant number is not needed.
Before you submit, the page shows the consent you are giving:
This connection reads your clearing data from the Isracard Business site on your behalf, with your username and password, up to four times a day. We only read data and never act in your account. Access this way stops once Isracard provides the data through open banking.
Financy stores the sign-in details in an encrypted vault and runs the first sync in the background. They never pass through a chat. If you change your password on the Isracard site, disconnect Isracard Business in Financy and connect it again with the new password.
Access from external AI apps
Settings → MCP connection → Access from external AI apps (הגדרות ← חיבור ל-MCP ← גישה מאפליקציות AI חיצוניות) decides whether ChatGPT, Claude and other MCP clients can read your clearing data: Off (כבוי) or Read only (קריאה בלבד, the default on connect). The setting is valid for one year.
Read it through the API
With the same API credentials you use for bank data, the payouts are at:
GET https://api.open-finance.ai/integrations/{integrationId}/settlementsFilter by status (expected or settled) and by payment date (paymentFrom, paymentTo). See Business systems API for the token, finding the integrationId, paging and the full response.
Disconnect
On the Isracard Business row open the ⋯ menu, choose Disconnect (ניתוק) and confirm. The sign-in details are deleted immediately and Financy stops reading Isracard. The data disappears from Financy right away, and the copy kept on our side is deleted within seven days. Nothing changes in your Isracard account.
Must-know
| Plan | Pro (up to 5 Isracard accounts) or Ultra (up to 20) |
| Credentials | Bank account number + username + password of the Isracard Business site |
| Reads per day | Up to four, as the consent says; an on-demand refresh is refused when it would exceed that |
| Writes | None: Financy never acts in your Isracard account |
| Expected vs settled | Different points in time; never add them |
| Amounts | net is what reaches the bank: gross minus the deductions |
Troubleshooting
The sign-in fails: Check that you can sign in to the Isracard Business site yourself with the same bank account number, username and password. A sign-in by code sent to your phone is not supported; use the password sign-in.
No data yet: The first sync runs in the background and can take a few minutes. The row shows when it last updated.
"Available on the Pro plan and above" (זמין בתוכנית Pro ומעלה): Isracard Business needs Pro or above. Click Upgrade (שדרוג) next to it.
Updated 26 minutes ago