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, Collection, Payouts, and FX.

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

🌐 Visit website 📡 Source on GitHub

33.7/100 thin ▬ flat Agent 20/100 agent aware saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

AccessPaid

1 APIs

Payments Cross-Border Collection Payouts FX Fintech Africa

Kin Score

Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0

Composite quality — 33.7/100 · thin

Contract Quality 10.0 / 19

Developer Ergonomics 4.8 / 15

Access Clarity 4.3 / 15

Operational Transparency 3.1 / 10

Contract Governance 0.0 / 9

Discoverability 5.1 / 8

Regulatory Posture 2.8 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 20/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 6

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

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Regulatory Posture applies to this provider. Its tags matched the Payments regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. 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. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

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 10

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

API Collection

OPEN COLLECTION

Fincra Account Resolution API

OPEN COLLECTION

Fincra Account Resolution Banks API

OPEN COLLECTION

Fincra Account Resolution Beneficiaries API

OPEN COLLECTION

Fincra Account Resolution Collections API

OPEN COLLECTION

Fincra Account Resolution Conversions API

OPEN COLLECTION

Fincra Account Resolution Payouts API

OPEN COLLECTION

Fincra Account Resolution Quotes API

OPEN COLLECTION

Fincra Account Resolution Virtual Accounts API

OPEN COLLECTION

Fincra API

OPEN COLLECTION

Scroll for all 10

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

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

Website

Website

Blog

Blog

Source (apis.yml)

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.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: paid
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Paid
  confidence: medium
  source:
  - plans
  - authentication
  - security
  generated: '2026-09-03'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/fincra.png
tags:
- Payments
- Cross-Border
- Collection
- Payouts
- FX
- Fintech
- Africa
tags_raw:
- Payments
- Cross-Border
- Collections
- Payouts
- FX
- Fintech
- Africa
created: '2026-06-21'
modified: '2026-06-21'
specificationVersion: '0.23'
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:
  - Collection
  tags_raw:
  - 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

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