Turn your Aflac invoice into data you can reconcile

What you can build on Business Services

• Get the invoice lines

  Build this

  Reads the current invoice for one account on the Invoice screen: each employee's policy, policy type, coverage type and premium due.

  Takes

  Account number

  Returns

  Invoice number, payment due date, current amount billed, and per line: name, department, employee number, policy, policy type, coverage type, premium due

• Get the Electronic Deduction Summary

  Build this

  Reads the Electronic Deduction Summary (EDS) for one account, which Aflac updates daily: each employee's policies and deduction amounts.

  Takes

  Account number

  Returns

  Employee name, employee number, policy number, policy type, deduction amount

• List invoices waiting for approval

  Build this

  Reads the Home tab for the invoices sent to you to Approve/Reject, across the accounts your login can reach.

  Takes

  Nothing

  Returns

  Account number, invoice number, payment due date, amount, submitted by, comments

• Submit a reconciled invoice for approval

  Build this

  Enters the adjusted premiums and change request codes you give on the Invoice screen, then selects Submit for Approval with your comments.

  Takes

  Account number, adjusted lines (policy, adjusted premium, change request code), comments

  Returns

  Invoice number, adjustments total, adjusted total

Automate Business Services with a workflow

A workflow runs your methods as one process, with nobody at the screen. A schedule or a call from your own system starts it, the steps run in order, and the result arrives in your inbox or in the systems you already use.

• Invoice lines that changed since last month

  Build this

  Starts

  Every month on the 5th at 8:00

  Step 1

  For each account you name, get the invoice lines of the current invoice.

  Step 2

  Keep the lines that were not on the last run or whose premium due changed.

  Step 3

  Email you the list per account, with the current amount billed and the payment due date.

• Daily Electronic Deduction Summary changes to payroll

  Build this

  Starts

  Every weekday at 7:00

  Step 1

  For each account, get the Electronic Deduction Summary.

  Step 2

  Keep the rows that are new or changed since the last run, and stop when there are none.

  Step 3

  Post each row to your payroll system's webhook.

• Invoices waiting for your approval

  Build this

  Starts

  Every weekday at 9:00

  Step 1

  List the invoices waiting for approval on the Home tab.

  Step 2

  Stop when there are none.

  Step 3

  Email you each invoice with its amount, payment due date and the submitter's comments.

You can run a workflow by hand on every plan, Free included. Schedules and webhook triggers come with the paid plans, from $29 a month.

Once built, one call from your code

Once you have built a method, it is one POST to /v1/runs from your backend, or a tool an AI agent calls over MCP. This is what “Get the invoice lines” would look like.

curl https://api.fous.com/v1/runs \
  -H "Authorization: Bearer $FOUS_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "method": "businessservices.aflac.com/get_invoice_lines",
    "input": {
      "account_number": "X1042"
    }
  }'

{
  "status": "completed",
  "data": {
    "account_number": "X1042",
    "invoice_number": "771204",
    "payment_due_date": "2026-12-01",
    "current_amount_billed": 39.61,
    "lines": [
      {
        "name": "Rivera, Ana",
        "department": "Warehouse",
        "employee_number": "E2207",
        "policy": "A9001234",
        "policy_type": "ACC",
        "coverage_type": "F",
        "premium_due": 22.11
      }
    ]
  }
}

An example with invented data, not a ready-made endpoint. The method exists in your organization once you build it, and its name, inputs and fields follow your request.

Business Services’s own options

Aflac's employer pages describe no API for Business Services. Aflac runs a developer portal for Aflac Enterprise Connect, and its public pages do not say who can use it. Inside Business Services, Online Billing lets you reconcile and pay the invoice, eligible accounts can pay by Monthly Auto Draft, and Express Reconciliation serves accounts too large for Online Billing.

Read on November 12, 2026: Business Services account FAQ, MyAflac Employer Resource Center, Aflac Enterprise Connect developer portal.

Signing in to Business Services

Business Services signs you in with a password. A forgotten password is reset with your secret question and a temporary password sent by email, and one login can reach several accounts through Authorized Accounts. With Fous you sign in once through Business Services' own sign-in with your own account, and the login is sealed with AES-256.

Worth knowing

A submitted invoice cannot be edited

After Submit, the invoice is final. A paper check can carry an adjusted amount with a copy of the invoice, but a drafted payment cannot be stopped: you send Aflac a written refund request.

Changes go in with a change request code

Each adjusted line carries a CR code, such as A Add Person To Policy, C Cancel Coverage, M Missed Deduction or T No Longer Employed Here. With Online Billing, terminations are noted while you reconcile.

Some policy changes need a signed form

Many policy-level changes can be made from the invoice or the My Participants tab, but some need the policyholder to fill in and return a signed form.

Payment can wait five business days

The Payment Scheduler lets you reconcile early and pick a withdrawal date up to five business days after the invoice due date.

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