No. 17 of 22 ·Open Banking Payment Platforms

Fintecture

Web · API

Freedom report

One barScore 5.0

Free tierNo free tier on record
Open codeNo open-source code on record
Runs widely1 of 6 device platforms
DocumentedPlans, terms and facts published

Fintecture is ranked #17 of 22 in open banking payment platforms on Freedom251. It runs on API, Web. There is no free plan.

Fintecture plans and pricing

All plans

Growth Plan Not published Commission on each payment; ask Fintecture for pricing. Commission applies to each payment help.fintecture.com · 3 Oct 2026

Pro Plan Not published Subscription includes a free transaction volume; additional transactions incur a commission. Ask Fintecture for pricing. Free transaction volume included; commission on additional transactions help.fintecture.com · 3 Oct 2026

Compared on open banking payment platforms

Free plan: No
Bank authentication: redirect
Payment frequency: both
Payment webhooks: Yes
Refunds: Yes

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The record

What it does: Fintecture provides bank-transfer payment solutions for businesses, including Immediate Transfer, Smart Transfer and Verified Disbursement.
Payment channels: Its solutions are designed for e-commerce, in-store and distance-selling contexts.
Immediate Transfer: Immediate Transfer uses Open Banking and lets a payer initiate a bank transfer without entering an IBAN.
Reconciliation: Smart Transfer automatically reconciles transfers in real time.
Payment requests: The Fintecture console can create payment requests by email, payment link or QR code.
Integrations: The maker lists CMS integrations including Shopify, PrestaShop, WordPress/WooCommerce, Magento and Oasis, and offers API integration for websites, mobile applications and business tools.
Security: Fintecture says data is encrypted and its servers are hosted in a secure EU data center.
Regulation: Fintecture identifies itself as a payment institution authorized and supervised by the Banque de France and ACPR under number 17248.
Fraud monitoring: The maker says it uses a Transaction Monitoring System and additional measures to protect customers against fraud.
Support: Fintecture advertises expert assistance and premium support, and its console help article says users can contact support through the chatbot.
Account activation: Production API resources require an activated account, while the API sandbox is free for development and testing.
Intended customers: The maker describes solutions for individual and professional payers, and for businesses handling collections and disbursements.
Company history: Fintecture says it launched its first Open Banking transfers in 2020 after more than two years of research and development.

Where it ranks on Freedom251

Best Open Banking Payment Platforms in 2026#17 of 22

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Sources

fintecture.com/en/· checked 3 Oct 2026
help.fintecture.com/en/articles/122958-what-are-the-feature· checked 3 Oct 2026
help.fintecture.com/en/articles/270001-how-to-integrate-fin· checked 3 Oct 2026
fintecture.com/legal/security-and-compliance/· checked 3 Oct 2026
doc.fintecture.com/docs/api-overview· checked 3 Oct 2026
fintecture.com/en/notre-histoire/· checked 3 Oct 2026
help.fintecture.com/en/articles/123050-how-much-does-fintec· checked 3 Oct 2026