Fincra website screenshot

Fincra

Fincra is an African cross-border payments infrastructure provider whose REST API lets businesses collect, hold, convert, and disburse money across multiple currencies. The platform covers collections (virtual accounts and direct charges), payouts/disbursements to banks and mobile money, FX conversions with quotes, beneficiary management, and webhooks, secured with an api-key plus Bearer token.

Fincra publishes 8 APIs on the APIs.io network, including Account Resolution API, Banks API, Beneficiaries API, and 5 more. Tagged areas include Payments, Cross-Border, Collections, Payouts, and FX.

Fincra’s developer surface includes authentication, documentation, engineering blog, and 7 more developer resources.

🌐 Visit website 📡 Source on GitHub
33.2/100 thin ▬ flat Agent 31/100 agent aware Full breakdown ↓
scored 2026-07-28 · rubric v0.6
AccessPaidSelf serve
8 APIs
PaymentsCross-BorderCollectionsPayoutsFXFintechAfrica

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-28 · rubric v0.6
Composite quality — 33.2/100 · thin
Contract Quality 14.2 / 25
Developer Ergonomics 4.3 / 20
Commercial Clarity 5.8 / 20
Operational Transparency 4.1 / 13
Governance 0.0 / 12
Discoverability 7.4 / 10
Agent readiness — 31/100 · agent aware
Machine-Readable Contract 18 / 18
Agentic Access Contract 10 / 10
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
A2A Agent Card 0 / 8
Dry-Run / Simulate Mode 0 / 4
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/fincra: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 8

Individual APIs this provider publishes, each with its own machine-readable definition.

Fincra Account Resolution API

The Account Resolution API from Fincra — 1 operation(s) for account resolution.

Fincra Banks API

The Banks API from Fincra — 1 operation(s) for banks.

Fincra Beneficiaries API

The Beneficiaries API from Fincra — 2 operation(s) for beneficiaries.

Fincra Collections API

The Collections API from Fincra — 4 operation(s) for collections.

Fincra Conversions API

The Conversions API from Fincra — 3 operation(s) for conversions.

Fincra Payouts API

The Payouts API from Fincra — 3 operation(s) for payouts.

Fincra Quotes API

The Quotes API from Fincra — 1 operation(s) for quotes.

Fincra Virtual Accounts API

The Virtual Accounts API from Fincra — 4 operation(s) for virtual accounts.

Scroll for all 8

Open Collections 1

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Fincra API

OPEN COLLECTION

Pricing Plans 1

Published pricing tiers and plan structures.

Fincra Plans Pricing

2 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Fincra Rate Limits

3 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Fincra Finops

FINOPS

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Fincra Authentication

apiKey/http · 2 schemes

SECURITY

Fincra Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Fincra Agentic Access

23 operations · 10 acting

23 operations · 10 acting

AGENTIC

Resources

Documentation 1

Reference material describing how the API behaves

Documentation
Documentation

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess
AgenticAccess

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity
DomainSecurity
 Authentication
Authentication

Operate 1

Status, limits, changes, and where to get help

RateLimits
RateLimits

Commercial 2

Pricing, plans, and the legal terms of use

Plans
Plans
 FinOps
FinOps

Company 3

The organization behind the API

LinkedIn
LinkedIn
 Website
Website
 Blog
Blog

Source (apis.yml)

apis.yml Raw ↑ 
aid: fincra
url: https://raw.githubusercontent.com/api-evangelist/fincra/refs/heads/main/apis.yml
name: Fincra
kind: company
description: Fincra is an African cross-border payments infrastructure provider whose REST API lets businesses collect, hold,
  convert, and disburse money across multiple currencies. The platform covers collections (virtual accounts and direct charges),
  payouts/disbursements to banks and mobile money, FX conversions with quotes, beneficiary management, and webhooks, secured
  with an api-key plus Bearer token.
accessModel:
  pricing: paid
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Paid · Self-serve signup
  confidence: high
  source:
  - plans
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/fincra.png
tags:
- Payments
- Cross-Border
- Collections
- Payouts
- FX
- Fintech
- Africa
created: '2026-06-21'
modified: '2026-06-21'
specificationVersion: '0.19'
apis:
- aid: fincra:fincra-account-resolution-api
  name: Fincra Account Resolution API
  description: The Account Resolution API from Fincra — 1 operation(s) for account resolution.
  humanURL: https://docs.fincra.com/docs/collections-overview
  baseURL: https://api.fincra.com
  tags:
  - Account Resolution
  properties:
  - type: OpenAPI
    url: openapi/fincra-account-resolution-api-openapi.yml
  - type: Documentation
    url: https://docs.fincra.com/docs/collections-overview
  - type: APIReference
    url: https://docs.fincra.com/reference/initiate-a-charge
  - type: PostmanCollection
    url: collections/fincra.postman_collection.json
  - type: OpenCollection
    url: collections/fincra.opencollection.json
  - type: Documentation
    url: https://docs.fincra.com/docs/payout-overview
  - type: APIReference
    url: https://docs.fincra.com/reference/initiate-payout
  - type: Documentation
    url: https://docs.fincra.com/docs/conversions
  - type: APIReference
    url: https://docs.fincra.com/reference/initiate-currency-conversion
  - type: APIReference
    url: https://docs.fincra.com/reference/generate-quote
  - type: Documentation
    url: https://docs.fincra.com/docs/beneficiaries
  - type: APIReference
    url: https://docs.fincra.com/reference/create-a-beneficiary
  - type: Documentation
    url: https://docs.fincra.com/docs/fincra-virtual-accounts
  - type: APIReference
    url: https://docs.fincra.com/reference/ngn-virtual-account-api
  - type: Documentation
    url: https://docs.fincra.com/docs/verify-iban-and-account-numbers
  - type: APIReference
    url: https://docs.fincra.com/reference/list-banks
  - type: Documentation
    url: https://docs.fincra.com/docs/webhooks
  - type: Documentation
    url: https://docs.fincra.com/docs/securing-your-webhook
- aid: fincra:fincra-banks-api
  name: Fincra Banks API
  description: The Banks API from Fincra — 1 operation(s) for banks.
  humanURL: https://docs.fincra.com/docs/collections-overview
  baseURL: https://api.fincra.com
  tags:
  - Banks
  properties:
  - type: OpenAPI
    url: openapi/fincra-banks-api-openapi.yml
  - type: Documentation
    url: https://docs.fincra.com/docs/collections-overview
  - type: APIReference
    url: https://docs.fincra.com/reference/initiate-a-charge
  - type: PostmanCollection
    url: collections/fincra.postman_collection.json
  - type: OpenCollection
    url: collections/fincra.opencollection.json
  - type: Documentation
    url: https://docs.fincra.com/docs/payout-overview
  - type: APIReference
    url: https://docs.fincra.com/reference/initiate-payout
  - type: Documentation
    url: https://docs.fincra.com/docs/conversions
  - type: APIReference
    url: https://docs.fincra.com/reference/initiate-currency-conversion
  - type: APIReference
    url: https://docs.fincra.com/reference/generate-quote
  - type: Documentation
    url: https://docs.fincra.com/docs/beneficiaries
  - type: APIReference
    url: https://docs.fincra.com/reference/create-a-beneficiary
  - type: Documentation
    url: https://docs.fincra.com/docs/fincra-virtual-accounts
  - type: APIReference
    url: https://docs.fincra.com/reference/ngn-virtual-account-api
  - type: Documentation
    url: https://docs.fincra.com/docs/verify-iban-and-account-numbers
  - type: APIReference
    url: https://docs.fincra.com/reference/list-banks
  - type: Documentation
    url: https://docs.fincra.com/docs/webhooks
  - type: Documentation
    url: https://docs.fincra.com/docs/securing-your-webhook
- aid: fincra:fincra-beneficiaries-api
  name: Fincra Beneficiaries API
  description: The Beneficiaries API from Fincra — 2 operation(s) for beneficiaries.
  humanURL: https://docs.fincra.com/docs/collections-overview
  baseURL: https://api.fincra.com
  tags:
  - Beneficiaries
  properties:
  - type: OpenAPI
    url: openapi/fincra-beneficiaries-api-openapi.yml
  - type: Documentation
    url: https://docs.fincra.com/docs/collections-overview
  - type: APIReference
    url: https://docs.fincra.com/reference/initiate-a-charge
  - type: PostmanCollection
    url: collections/fincra.postman_collection.json
  - type: OpenCollection
    url: collections/fincra.opencollection.json
  - type: Documentation
    url: https://docs.fincra.com/docs/payout-overview
  - type: APIReference
    url: https://docs.fincra.com/reference/initiate-payout
  - type: Documentation
    url: https://docs.fincra.com/docs/conversions
  - type: APIReference
    url: https://docs.fincra.com/reference/initiate-currency-conversion
  - type: APIReference
    url: https://docs.fincra.com/reference/generate-quote
  - type: Documentation
    url: https://docs.fincra.com/docs/beneficiaries
  - type: APIReference
    url: https://docs.fincra.com/reference/create-a-beneficiary
  - type: Documentation
    url: https://docs.fincra.com/docs/fincra-virtual-accounts
  - type: APIReference
    url: https://docs.fincra.com/reference/ngn-virtual-account-api
  - type: Documentation
    url: https://docs.fincra.com/docs/verify-iban-and-account-numbers
  - type: APIReference
    url: https://docs.fincra.com/reference/list-banks
  - type: Documentation
    url: https://docs.fincra.com/docs/webhooks
  - type: Documentation
    url: https://docs.fincra.com/docs/securing-your-webhook
- aid: fincra:fincra-collections-api
  name: Fincra Collections API
  description: The Collections API from Fincra — 4 operation(s) for collections.
  humanURL: https://docs.fincra.com/docs/collections-overview
  baseURL: https://api.fincra.com
  tags:
  - Collections
  properties:
  - type: OpenAPI
    url: openapi/fincra-collections-api-openapi.yml
  - type: Documentation
    url: https://docs.fincra.com/docs/collections-overview
  - type: APIReference
    url: https://docs.fincra.com/reference/initiate-a-charge
  - type: PostmanCollection
    url: collections/fincra.postman_collection.json
  - type: OpenCollection
    url: collections/fincra.opencollection.json
  - type: Documentation
    url: https://docs.fincra.com/docs/payout-overview
  - type: APIReference
    url: https://docs.fincra.com/reference/initiate-payout
  - type: Documentation
    url: https://docs.fincra.com/docs/conversions
  - type: APIReference
    url: https://docs.fincra.com/reference/initiate-currency-conversion
  - type: APIReference
    url: https://docs.fincra.com/reference/generate-quote
  - type: Documentation
    url: https://docs.fincra.com/docs/beneficiaries
  - type: APIReference
    url: https://docs.fincra.com/reference/create-a-beneficiary
  - type: Documentation
    url: https://docs.fincra.com/docs/fincra-virtual-accounts
  - type: APIReference
    url: https://docs.fincra.com/reference/ngn-virtual-account-api
  - type: Documentation
    url: https://docs.fincra.com/docs/verify-iban-and-account-numbers
  - type: APIReference
    url: https://docs.fincra.com/reference/list-banks
  - type: Documentation
    url: https://docs.fincra.com/docs/webhooks
  - type: Documentation
    url: https://docs.fincra.com/docs/securing-your-webhook
- aid: fincra:fincra-conversions-api
  name: Fincra Conversions API
  description: The Conversions API from Fincra — 3 operation(s) for conversions.
  humanURL: https://docs.fincra.com/docs/collections-overview
  baseURL: https://api.fincra.com
  tags:
  - Conversions
  properties:
  - type: OpenAPI
    url: openapi/fincra-conversions-api-openapi.yml
  - type: Documentation
    url: https://docs.fincra.com/docs/collections-overview
  - type: APIReference
    url: https://docs.fincra.com/reference/initiate-a-charge
  - type: PostmanCollection
    url: collections/fincra.postman_collection.json
  - type: OpenCollection
    url: collections/fincra.opencollection.json
  - type: Documentation
    url: https://docs.fincra.com/docs/payout-overview
  - type: APIReference
    url: https://docs.fincra.com/reference/initiate-payout
  - type: Documentation
    url: https://docs.fincra.com/docs/conversions
  - type: APIReference
    url: https://docs.fincra.com/reference/initiate-currency-conversion
  - type: APIReference
    url: https://docs.fincra.com/reference/generate-quote
  - type: Documentation
    url: https://docs.fincra.com/docs/beneficiaries
  - type: APIReference
    url: https://docs.fincra.com/reference/create-a-beneficiary
  - type: Documentation
    url: https://docs.fincra.com/docs/fincra-virtual-accounts
  - type: APIReference
    url: https://docs.fincra.com/reference/ngn-virtual-account-api
  - type: Documentation
    url: https://docs.fincra.com/docs/verify-iban-and-account-numbers
  - type: APIReference
    url: https://docs.fincra.com/reference/list-banks
  - type: Documentation
    url: https://docs.fincra.com/docs/webhooks
  - type: Documentation
    url: https://docs.fincra.com/docs/securing-your-webhook
- aid: fincra:fincra-payouts-api
  name: Fincra Payouts API
  description: The Payouts API from Fincra — 3 operation(s) for payouts.
  humanURL: https://docs.fincra.com/docs/collections-overview
  baseURL: https://api.fincra.com
  tags:
  - Payouts
  properties:
  - type: OpenAPI
    url: openapi/fincra-payouts-api-openapi.yml
  - type: Documentation
    url: https://docs.fincra.com/docs/collections-overview
  - type: APIReference
    url: https://docs.fincra.com/reference/initiate-a-charge
  - type: PostmanCollection
    url: collections/fincra.postman_collection.json
  - type: OpenCollection
    url: collections/fincra.opencollection.json
  - type: Documentation
    url: https://docs.fincra.com/docs/payout-overview
  - type: APIReference
    url: https://docs.fincra.com/reference/initiate-payout
  - type: Documentation
    url: https://docs.fincra.com/docs/conversions
  - type: APIReference
    url: https://docs.fincra.com/reference/initiate-currency-conversion
  - type: APIReference
    url: https://docs.fincra.com/reference/generate-quote
  - type: Documentation
    url: https://docs.fincra.com/docs/beneficiaries
  - type: APIReference
    url: https://docs.fincra.com/reference/create-a-beneficiary
  - type: Documentation
    url: https://docs.fincra.com/docs/fincra-virtual-accounts
  - type: APIReference
    url: https://docs.fincra.com/reference/ngn-virtual-account-api
  - type: Documentation
    url: https://docs.fincra.com/docs/verify-iban-and-account-numbers
  - type: APIReference
    url: https://docs.fincra.com/reference/list-banks
  - type: Documentation
    url: https://docs.fincra.com/docs/webhooks
  - type: Documentation
    url: https://docs.fincra.com/docs/securing-your-webhook
- aid: fincra:fincra-quotes-api
  name: Fincra Quotes API
  description: The Quotes API from Fincra — 1 operation(s) for quotes.
  humanURL: https://docs.fincra.com/docs/collections-overview
  baseURL: https://api.fincra.com
  tags:
  - Quotes
  properties:
  - type: OpenAPI
    url: openapi/fincra-quotes-api-openapi.yml
  - type: Documentation
    url: https://docs.fincra.com/docs/collections-overview
  - type: APIReference
    url: https://docs.fincra.com/reference/initiate-a-charge
  - type: PostmanCollection
    url: collections/fincra.postman_collection.json
  - type: OpenCollection
    url: collections/fincra.opencollection.json
  - type: Documentation
    url: https://docs.fincra.com/docs/payout-overview
  - type: APIReference
    url: https://docs.fincra.com/reference/initiate-payout
  - type: Documentation
    url: https://docs.fincra.com/docs/conversions
  - type: APIReference
    url: https://docs.fincra.com/reference/initiate-currency-conversion
  - type: APIReference
    url: https://docs.fincra.com/reference/generate-quote
  - type: Documentation
    url: https://docs.fincra.com/docs/beneficiaries
  - type: APIReference
    url: https://docs.fincra.com/reference/create-a-beneficiary
  - type: Documentation
    url: https://docs.fincra.com/docs/fincra-virtual-accounts
  - type: APIReference
    url: https://docs.fincra.com/reference/ngn-virtual-account-api
  - type: Documentation
    url: https://docs.fincra.com/docs/verify-iban-and-account-numbers
  - type: APIReference
    url: https://docs.fincra.com/reference/list-banks
  - type: Documentation
    url: https://docs.fincra.com/docs/webhooks
  - type: Documentation
    url: https://docs.fincra.com/docs/securing-your-webhook
- aid: fincra:fincra-virtual-accounts-api
  name: Fincra Virtual Accounts API
  description: The Virtual Accounts API from Fincra — 4 operation(s) for virtual accounts.
  humanURL: https://docs.fincra.com/docs/collections-overview
  baseURL: https://api.fincra.com
  tags:
  - Virtual Accounts
  properties:
  - type: OpenAPI
    url: openapi/fincra-virtual-accounts-api-openapi.yml
  - type: Documentation
    url: https://docs.fincra.com/docs/collections-overview
  - type: APIReference
    url: https://docs.fincra.com/reference/initiate-a-charge
  - type: PostmanCollection
    url: collections/fincra.postman_collection.json
  - type: OpenCollection
    url: collections/fincra.opencollection.json
  - type: Documentation
    url: https://docs.fincra.com/docs/payout-overview
  - type: APIReference
    url: https://docs.fincra.com/reference/initiate-payout
  - type: Documentation
    url: https://docs.fincra.com/docs/conversions
  - type: APIReference
    url: https://docs.fincra.com/reference/initiate-currency-conversion
  - type: APIReference
    url: https://docs.fincra.com/reference/generate-quote
  - type: Documentation
    url: https://docs.fincra.com/docs/beneficiaries
  - type: APIReference
    url: https://docs.fincra.com/reference/create-a-beneficiary
  - type: Documentation
    url: https://docs.fincra.com/docs/fincra-virtual-accounts
  - type: APIReference
    url: https://docs.fincra.com/reference/ngn-virtual-account-api
  - type: Documentation
    url: https://docs.fincra.com/docs/verify-iban-and-account-numbers
  - type: APIReference
    url: https://docs.fincra.com/reference/list-banks
  - type: Documentation
    url: https://docs.fincra.com/docs/webhooks
  - type: Documentation
    url: https://docs.fincra.com/docs/securing-your-webhook
common:
- type: AgenticAccess
  url: agentic-access/fincra-agentic-access.yml
- type: DomainSecurity
  url: security/fincra-domain-security.yml
- type: Authentication
  url: authentication/fincra-authentication.yml
- type: LinkedIn
  url: https://www.linkedin.com/company/fincra
- type: Website
  url: https://www.fincra.com
- type: Documentation
  url: https://docs.fincra.com
- type: Plans
  url: plans/fincra-plans-pricing.yml
- type: RateLimits
  url: rate-limits/fincra-rate-limits.yml
- type: FinOps
  url: finops/fincra-finops.yml
- url: https://blog.fincra.com/feed/
  type: Blog
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com