Fincra Virtual Accounts API

openapi: 3.0.1
info:
  title: Fincra API
  description: >-
    Fincra is an African cross-border payments infrastructure API for
    collections, payouts/disbursements, FX conversions, quotes, beneficiaries,
    virtual accounts, bank/account resolution, and webhooks. Requests are
    authenticated with an `api-key` header and a Bearer access token.
  termsOfService: https://www.fincra.com/terms
  contact:
    name: Fincra Support
    email: support@fincra.com
    url: https://docs.fincra.com
  version: '1.0'
servers:
  - url: https://api.fincra.com
    description: Production
  - url: https://sandboxapi.fincra.com
    description: Sandbox
security:
  - ApiKeyAuth: []
    BearerAuth: []
tags:
  - name: Collections
  - name: Payouts
  - name: Conversions
  - name: Quotes
  - name: Beneficiaries
  - name: Virtual Accounts
  - name: Banks
  - name: Account Resolution
paths:
  /checkout/charges:
    post:
      operationId: initiateCharge
      tags:
        - Collections
      summary: Initiate a charge
      description: >-
        Initiate a direct charge to collect a payment via card, bank transfer,
        mobile money, EFT, or pay-attitude.
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/ChargeRequest'
      responses:
        '200':
          description: Charge initiated
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ChargeResponse'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /checkout/charges/authorize:
    post:
      operationId: authorizeCharge
      tags:
        - Collections
      summary: Authorize a charge
      description: Authorize a previously initiated charge (e.g. with an OTP or PIN).
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/AuthorizeChargeRequest'
      responses:
        '200':
          description: Charge authorization result
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ChargeResponse'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /checkout/charges/{reference}:
    get:
      operationId: getChargeByReference
      tags:
        - Collections
      summary: Get a charge by reference
      parameters:
        - $ref: '#/components/parameters/Reference'
      responses:
        '200':
          description: Charge details
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ChargeResponse'
        '404':
          $ref: '#/components/responses/NotFound'
  /checkout/charges/verify/{reference}:
    get:
      operationId: verifyCharge
      tags:
        - Collections
      summary: Verify a charge
      parameters:
        - $ref: '#/components/parameters/Reference'
      responses:
        '200':
          description: Charge verification result
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ChargeResponse'
        '404':
          $ref: '#/components/responses/NotFound'
  /disbursements/payouts:
    post:
      operationId: initiatePayout
      tags:
        - Payouts
      summary: Initiate a payout
      description: >-
        Disburse funds to a bank account, mobile money wallet, or another Fincra
        account. Cross-currency payouts require a `quoteReference`.
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/PayoutRequest'
      responses:
        '200':
          description: Payout initiated
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/PayoutResponse'
        '401':
          $ref: '#/components/responses/Unauthorized'
    get:
      operationId: getAllPayouts
      tags:
        - Payouts
      summary: Get all payouts
      parameters:
        - name: business
          in: query
          schema:
            type: string
        - $ref: '#/components/parameters/Page'
        - $ref: '#/components/parameters/PerPage'
      responses:
        '200':
          description: List of payouts
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/PayoutListResponse'
  /disbursements/payouts/reference/{transactionReference}:
    get:
      operationId: verifyPayoutByReference
      tags:
        - Payouts
      summary: Verify payout status by transaction reference
      parameters:
        - name: transactionReference
          in: path
          required: true
          schema:
            type: string
      responses:
        '200':
          description: Payout status
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/PayoutResponse'
        '404':
          $ref: '#/components/responses/NotFound'
  /disbursements/payouts/customer-reference/{customerReference}:
    get:
      operationId: verifyPayoutByCustomerReference
      tags:
        - Payouts
      summary: Verify payout status by customer reference
      parameters:
        - name: customerReference
          in: path
          required: true
          schema:
            type: string
      responses:
        '200':
          description: Payout status
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/PayoutResponse'
        '404':
          $ref: '#/components/responses/NotFound'
  /quotes/generate:
    post:
      operationId: generateQuote
      tags:
        - Quotes
      summary: Generate a quote
      description: >-
        Generate a time-bound FX quote for a conversion or cross-currency
        payout. Quotes are valid for 30 seconds on cross-currency flows.
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/QuoteRequest'
      responses:
        '200':
          description: Quote generated
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/QuoteResponse'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /conversions/initiate:
    post:
      operationId: initiateConversion
      tags:
        - Conversions
      summary: Initiate a currency conversion
      description: Convert balance from one currency to another using a quote reference.
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/ConversionRequest'
      responses:
        '200':
          description: Conversion initiated
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ConversionResponse'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /conversions:
    get:
      operationId: listConversions
      tags:
        - Conversions
      summary: List all conversions
      parameters:
        - name: business
          in: query
          schema:
            type: string
        - $ref: '#/components/parameters/Page'
        - $ref: '#/components/parameters/PerPage'
      responses:
        '200':
          description: List of conversions
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ConversionListResponse'
  /conversions/{reference}:
    get:
      operationId: verifyConversion
      tags:
        - Conversions
      summary: Verify conversion status
      parameters:
        - $ref: '#/components/parameters/Reference'
      responses:
        '200':
          description: Conversion status
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ConversionResponse'
        '404':
          $ref: '#/components/responses/NotFound'
  /profile/beneficiaries/business/{businessId}:
    post:
      operationId: createBeneficiary
      tags:
        - Beneficiaries
      summary: Create a beneficiary
      parameters:
        - $ref: '#/components/parameters/BusinessId'
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/BeneficiaryRequest'
      responses:
        '201':
          description: Beneficiary created
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/BeneficiaryResponse'
        '401':
          $ref: '#/components/responses/Unauthorized'
    get:
      operationId: listBeneficiaries
      tags:
        - Beneficiaries
      summary: List beneficiaries
      parameters:
        - $ref: '#/components/parameters/BusinessId'
        - $ref: '#/components/parameters/Page'
        - $ref: '#/components/parameters/PerPage'
      responses:
        '200':
          description: List of beneficiaries
          content:
            application/json:
              schema:
                type: object
                properties:
                  success:
                    type: boolean
                  data:
                    type: array
                    items:
                      $ref: '#/components/schemas/Beneficiary'
  /profile/beneficiaries/business/{businessId}/{beneficiaryId}:
    get:
      operationId: fetchBeneficiary
      tags:
        - Beneficiaries
      summary: Fetch a beneficiary
      parameters:
        - $ref: '#/components/parameters/BusinessId'
        - $ref: '#/components/parameters/BeneficiaryId'
      responses:
        '200':
          description: Beneficiary details
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/BeneficiaryResponse'
        '404':
          $ref: '#/components/responses/NotFound'
    patch:
      operationId: updateBeneficiary
      tags:
        - Beneficiaries
      summary: Update a beneficiary
      parameters:
        - $ref: '#/components/parameters/BusinessId'
        - $ref: '#/components/parameters/BeneficiaryId'
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/BeneficiaryRequest'
      responses:
        '200':
          description: Beneficiary updated
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/BeneficiaryResponse'
    delete:
      operationId: deleteBeneficiary
      tags:
        - Beneficiaries
      summary: Delete a beneficiary
      parameters:
        - $ref: '#/components/parameters/BusinessId'
        - $ref: '#/components/parameters/BeneficiaryId'
      responses:
        '200':
          description: Beneficiary deleted
        '404':
          $ref: '#/components/responses/NotFound'
  /profile/virtual-accounts/requests:
    post:
      operationId: requestVirtualAccount
      tags:
        - Virtual Accounts
      summary: Request a virtual account
      description: Request an NGN or foreign-currency virtual account for collections.
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/VirtualAccountRequest'
      responses:
        '200':
          description: Virtual account requested
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/VirtualAccountResponse'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /profile/virtual-accounts/business:
    get:
      operationId: listVirtualAccounts
      tags:
        - Virtual Accounts
      summary: List virtual accounts
      parameters:
        - name: business
          in: query
          schema:
            type: string
        - $ref: '#/components/parameters/Page'
        - $ref: '#/components/parameters/PerPage'
      responses:
        '200':
          description: List of virtual accounts
          content:
            application/json:
              schema:
                type: object
                properties:
                  success:
                    type: boolean
                  data:
                    type: array
                    items:
                      $ref: '#/components/schemas/VirtualAccount'
  /profile/virtual-accounts/{virtualAccountId}:
    get:
      operationId: fetchVirtualAccount
      tags:
        - Virtual Accounts
      summary: Fetch virtual account information
      parameters:
        - $ref: '#/components/parameters/VirtualAccountId'
      responses:
        '200':
          description: Virtual account details
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/VirtualAccountResponse'
        '404':
          $ref: '#/components/responses/NotFound'
  /profile/virtual-accounts/{virtualAccountId}/payins:
    get:
      operationId: listVirtualAccountPayins
      tags:
        - Virtual Accounts
      summary: List payins into a virtual account
      description: Retrieve all inflows (deposits) made into a virtual account.
      parameters:
        - $ref: '#/components/parameters/VirtualAccountId'
        - $ref: '#/components/parameters/Page'
        - $ref: '#/components/parameters/PerPage'
      responses:
        '200':
          description: List of payins
          content:
            application/json:
              schema:
                type: object
                properties:
                  success:
                    type: boolean
                  data:
                    type: array
                    items:
                      $ref: '#/components/schemas/Payin'
  /core/banks:
    get:
      operationId: listBanks
      tags:
        - Banks
      summary: List banks
      description: List supported banks and mobile money providers with their codes.
      parameters:
        - name: currency
          in: query
          schema:
            type: string
            default: NGN
        - name: country
          in: query
          schema:
            type: string
            default: NG
      responses:
        '200':
          description: List of banks
          content:
            application/json:
              schema:
                type: object
                properties:
                  success:
                    type: boolean
                  data:
                    type: array
                    items:
                      $ref: '#/components/schemas/Bank'
  /core/accounts/resolve:
    post:
      operationId: resolveAccount
      tags:
        - Account Resolution
      summary: Resolve / verify a bank account number
      description: Verify a bank account number and return the resolved account holder name.
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/ResolveAccountRequest'
      responses:
        '200':
          description: Resolved account
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ResolveAccountResponse'
        '422':
          description: Could not resolve account
components:
  securitySchemes:
    ApiKeyAuth:
      type: apiKey
      in: header
      name: api-key
      description: Merchant secret API key.
    BearerAuth:
      type: http
      scheme: bearer
      description: Bearer access token issued to the merchant.
  parameters:
    Reference:
      name: reference
      in: path
      required: true
      schema:
        type: string
    BusinessId:
      name: businessId
      in: path
      required: true
      schema:
        type: string
    BeneficiaryId:
      name: beneficiaryId
      in: path
      required: true
      schema:
        type: string
    VirtualAccountId:
      name: virtualAccountId
      in: path
      required: true
      schema:
        type: string
    Page:
      name: page
      in: query
      schema:
        type: integer
        default: 1
    PerPage:
      name: perPage
      in: query
      schema:
        type: integer
        default: 10
  responses:
    Unauthorized:
      description: Authentication failed
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
    NotFound:
      description: Resource not found
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
  schemas:
    Error:
      type: object
      properties:
        success:
          type: boolean
          example: false
        message:
          type: string
    Beneficiary:
      type: object
      properties:
        id:
          type: string
        firstName:
          type: string
        lastName:
          type: string
        accountHolderName:
          type: string
        email:
          type: string
        phoneNumber:
          type: string
        type:
          type: string
          enum: [individual, business]
        currency:
          type: string
        paymentDestination:
          type: string
        bank:
          $ref: '#/components/schemas/BankDetails'
    BankDetails:
      type: object
      properties:
        name:
          type: string
        code:
          type: string
        accountNumber:
          type: string
        sortCode:
          type: string
    ChargeRequest:
      type: object
      required:
        - amount
        - reference
        - currency
        - type
        - customer
      properties:
        amount:
          type: integer
          format: int32
        reference:
          type: string
        currency:
          type: string
        type:
          type: string
          enum: [card, bank_transfer, mobile_money, eft, payattitude]
        customer:
          type: object
          properties:
            name:
              type: string
            email:
              type: string
            phoneNumber:
              type: string
        card:
          type: object
          description: Required when type is card.
          properties:
            number:
              type: string
            expiryMonth:
              type: string
            expiryYear:
              type: string
            cvv:
              type: string
        phone:
          type: string
        description:
          type: string
        settlementDestination:
          type: string
        callbackUrl:
          type: string
        webhookUrl:
          type: string
        quoteReference:
          type: string
    AuthorizeChargeRequest:
      type: object
      required:
        - reference
      properties:
        reference:
          type: string
        authorization:
          type: object
          properties:
            mode:
              type: string
              enum: [otp, pin]
            otp:
              type: string
            pin:
              type: string
    ChargeResponse:
      type: object
      properties:
        success:
          type: boolean
        message:
          type: string
        data:
          type: object
          properties:
            reference:
              type: string
            status:
              type: string
            amount:
              type: number
            currency:
              type: string
    PayoutRequest:
      type: object
      required:
        - sourceCurrency
        - destinationCurrency
        - amount
        - business
        - description
        - customerReference
        - paymentDestination
        - beneficiary
      properties:
        sourceCurrency:
          type: string
        destinationCurrency:
          type: string
        amount:
          type: string
        business:
          type: string
        description:
          type: string
        customerReference:
          type: string
        paymentDestination:
          type: string
          enum: [bank_account, mobile_money_wallet, fincra]
        paymentScheme:
          type: string
        quoteReference:
          type: string
        beneficiary:
          type: object
          properties:
            firstName:
              type: string
            lastName:
              type: string
            accountHolderName:
              type: string
            type:
              type: string
              enum: [individual, business]
            accountNumber:
              type: string
            bankCode:
              type: string
    PayoutResponse:
      type: object
      properties:
        success:
          type: boolean
        message:
          type: string
        data:
          type: object
          properties:
            reference:
              type: string
            customerReference:
              type: string
            status:
              type: string
              enum: [processing, successful, failed]
            amount:
              type: number
            sourceCurrency:
              type: string
            destinationCurrency:
              type: string
    PayoutListResponse:
      type: object
      properties:
        success:
          type: boolean
        data:
          type: array
          items:
            $ref: '#/components/schemas/PayoutResponse'
    QuoteRequest:
      type: object
      required:
        - sourceCurrency
        - destinationCurrency
        - amount
        - action
        - transactionType
        - business
        - paymentDestination
      properties:
        sourceCurrency:
          type: string
        destinationCurrency:
          type: string
        amount:
          type: string
        action:
          type: string
        transactionType:
          type: string
        business:
          type: string
        feeBearer:
          type: string
        paymentDestination:
          type: string
        paymentScheme:
          type: string
        beneficiaryType:
          type: string
        delay:
          type: boolean
    QuoteResponse:
      type: object
      properties:
        success:
          type: boolean
        data:
          type: object
          properties:
            reference:
              type: string
            rate:
              type: number
            sourceCurrency:
              type: string
            destinationCurrency:
              type: string
            expiresAt:
              type: string
              format: date-time
    ConversionRequest:
      type: object
      required:
        - business
        - quoteReference
        - customerReference
      properties:
        business:
          type: string
        quoteReference:
          type: string
        customerReference:
          type: string
    ConversionResponse:
      type: object
      properties:
        success:
          type: boolean
        data:
          type: object
          properties:
            reference:
              type: string
            customerReference:
              type: string
            status:
              type: string
            sourceCurrency:
              type: string
            destinationCurrency:
              type: string
            amount:
              type: number
    ConversionListResponse:
      type: object
      properties:
        success:
          type: boolean
        data:
          type: array
          items:
            $ref: '#/components/schemas/ConversionResponse'
    BeneficiaryRequest:
      type: object
      required:
        - firstName
        - accountHolderName
        - type
        - currency
        - paymentDestination
        - destinationAddress
      properties:
        firstName:
          type: string
        lastName:
          type: string
        email:
          type: string
        phoneNumber:
          type: string
        accountHolderName:
          type: string
        type:
          type: string
          enum: [individual, business]
        currency:
          type: string
        paymentDestination:
          type: string
        destinationAddress:
          type: string
        uniqueIdentifier:
          type: string
        bank:
          $ref: '#/components/schemas/BankDetails'
        address:
          type: object
          properties:
            line1:
              type: string
            city:
              type: string
            state:
              type: string
            country:
              type: string
    BeneficiaryResponse:
      type: object
      properties:
        success:
          type: boolean
        data:
          $ref: '#/components/schemas/Beneficiary'
    VirtualAccountRequest:
      type: object
      required:
        - currency
        - accountType
        - business
      properties:
        currency:
          type: string
        accountType:
          type: string
          enum: [individual, corporate]
        business:
          type: string
        KYCInformation:
          type: object
          properties:
            firstName:
              type: string
            lastName:
              type: string
            email:
              type: string
            bvn:
              type: string
        channel:
          type: string
    VirtualAccount:
      type: object
      properties:
        id:
          type: string
        accountNumber:
          type: string
        accountName:
          type: string
        bankName:
          type: string
        currency:
          type: string
        status:
          type: string
    VirtualAccountResponse:
      type: object
      properties:
        success:
          type: boolean
        data:
          $ref: '#/components/schemas/VirtualAccount'
    Payin:
      type: object
      properties:
        id:
          type: string
        amount:
          type: number
        currency:
          type: string
        reference:
          type: string
        status:
          type: string
        sourceAccountName:
          type: string
        createdAt:
          type: string
          format: date-time
    Bank:
      type: object
      properties:
        name:
          type: string
        code:
          type: string
        swiftCode:
          type: string
        bic:
          type: string
        country:
          type: string
    ResolveAccountRequest:
      type: object
      required:
        - accountNumber
        - type
      properties:
        accountNumber:
          type: string
        bankCode:
          type: string
        bankSwiftCode:
          type: string
        currency:
          type: string
        type:
          type: string
          enum: [nuban, iban]
    ResolveAccountResponse:
      type: object
      properties:
        success:
          type: boolean
        data:
          type: object
          properties:
            accountNumber:
              type: string
            accountName:
              type: string
            bankCode:
              type: string