Fintecture

What Fintecture is

Fintecture provides bank-transfer payment services for businesses collecting or disbursing funds. Its offerings include Immediate Transfer, Smart Transfer and Verified Disbursement for e-commerce, in-store and distance-selling payments. With Immediate Transfer, a payer starts a transfer through Open Banking without entering an IBAN; Smart Transfer reconciles transfers in real time. Businesses can create payment requests in the console and send them by email, link or QR code. Fintecture is available through web and API. Listed CMS integrations include Shopify, PrestaShop, WordPress/WooCommerce, Magento and Oasis, while API connections are offered for websites, mobile applications and business tools. The API sandbox is free for development and testing, but production API resources require an activated account. Pricing is on request, with no free plan; the Growth Plan charges a commission on each payment, and the Pro Plan combines a subscription with a free transaction volume and commissions on additional transactions. Fintecture identifies itself as authorized and supervised by the Banque de France and ACPR, and says it encrypts data, uses a secure EU data center and monitors transactions for fraud.

Who it suits

Fintecture suits businesses that collect or disburse funds across online, in-store or distance-selling channels. It may also fit teams seeking bank-transfer payment requests and CMS or API integrations.

Limits

There is no free plan. The free API sandbox is for development and testing; production API resources require an activated account. Growth charges a commission on each payment, while Pro includes a free transaction volume and charges commission on additional transactions.

Getting started

1. Visit https://fintecture.com/ to learn about the service.
2. Choose web access or API integration for a website, mobile application or business tool.
3. For a CMS setup, review the listed integrations, including Shopify, PrestaShop, WordPress/WooCommerce, Magento and Oasis.
4. Use the free API sandbox for development and testing.
5. Activate an account before using production API resources.
6. Contact Fintecture for pricing and plan details.

Verdict

Fintecture combines bank-transfer collections and disbursement options with tools for reconciliation and payment requests. Consider its pricing structure and account activation requirement when evaluating API use.