Fintecture

Fintecture is a French Open Banking payments platform and ACPR-authorised payment institution (#17248). Its API stack covers PSD2 Payment Initiation (Immediate Transfer, Smart Transfer, Request To Pay, Buy Now Pay Later, Verified Payout, Immediate Refund), PSD2 Account Information (accounts, holders, transactions, identity verification), Customers, E-Mandates, and a beta Organisation Access Credentials surface for managing multi-tenant enterprise estates. Clients include Auchan, Bricoman, Pluxee, PMU, and Edenred, with 2M+ end payers served. Plug-and-play modules for PrestaShop, Magento, Shopify, WordPress, Odoo, Intershop, and Oasis sit on top of official JavaScript, Python, PHP, and Ruby SDKs.

8 APIs 21 Features

Open BankingPaymentsPSD2FranceAccount InformationPayment InitiationInstant PaymentsSEPASmart TransferRequest To PayBuy Now Pay LaterE-MandatesAccount-to-AccountKYC

APIs

Fintecture Payment Initiation Services API

PSD2 Payment Initiation Services for Immediate Transfer, Smart Transfer (auto-reconciled with virtual IBANs), Request To Pay (payment links via email/SMS/QR), Buy Now Pay Later,...

Fintecture Account Information Services API

PSD2 Account Information Services. Retrieve PSU bank accounts, holders, balances, and transaction history after the PSU authenticates with their bank via the redirect or decoupl...

Fintecture Customers API

Register and manage merchant customers, attach their bank accounts, and run identity verifications. Persisted customer records pre-fill payment fields and accelerate repeat chec...

Fintecture E-Mandates API

Create, list, retrieve, update (cancel/revoke), and manage SEPA-style customer e-mandates identified by a unique Reference Unique Mandate (RUM). Returns 409 Conflict on duplicat...

Fintecture OAuth and Tokens API

Issues access tokens via authorization_code and client_credentials grants. Distinct scopes for PIS, AIS, Customers, E-Mandates, and OAC (Organisation Access Credentials, beta). ...

Fintecture Resources API

Catalog of supported banks (Providers) with per-bank AIS capabilities (accountholders, accounts, transactions) and PIS rails (SEPA, iSCT instant, FPS, PLN, INT). Also exposes sa...

Fintecture Organisation Access Credentials API

Beta multi-tenant management API for enterprise customers. Programmatically manage Applications, Bank Accounts, Companies, Organisation Nodes (hierarchical tree), Memberships, a...

Fintecture Transactions and Settlements API

Inspect transactions and settlements. Settlements represent outgoing disbursements from the merchant's Local Acquiring account to their own bank account. Sandbox includes a tran...

Collections

Fintecture Account Information Services API

POSTMAN

Fintecture Customers API

POSTMAN

Fintecture E-Mandates API

POSTMAN

Fintecture Organisation Access Credentials API

POSTMAN

Fintecture OAuth and Tokens API

POSTMAN

Fintecture Payment Initiation Services API

POSTMAN

Fintecture Resources API

POSTMAN

Fintecture Transactions and Settlements API

POSTMAN

Fintecture Account Information Services API

OPEN

Fintecture Customers API

OPEN

Fintecture E-Mandates API

OPEN

Fintecture Organisation Access Credentials API

OPEN

Fintecture OAuth and Tokens API

OPEN

Fintecture Payment Initiation Services API

OPEN

Fintecture Resources API

OPEN

Fintecture Transactions and Settlements API

OPEN

Arazzo Workflows

Fintecture Account Holders and Identity Verification

List a connection's accounts, read the first account's holders, then run an AIS identity verification.

ARAZZO

Fintecture Connect, List Accounts, and Pull Transactions

Open an AIS connect session, list the linked accounts, then pull one account's transactions.

ARAZZO

Fintecture Onboard Customer and Initiate Payment

Register a merchant customer, attach their bank account, then open a payment session for them.

ARAZZO

Fintecture Customer Verification with Polling

Register a customer, start an AIS identity verification, then poll until it resolves.

ARAZZO

Fintecture Decoupled Authentication then List Accounts

Authenticate a PSU with the decoupled (mobile-app) model, poll until approved, then list accounts.

ARAZZO

Fintecture List Providers and Initiate Payment

Discover supported bank providers, then open a payment session and inspect its status.

ARAZZO

Fintecture Refund a Completed Payment

Verify a payment is completed, issue a refund against it, then list the payment's refunds.

ARAZZO

Fintecture Create Payment and Poll Status

Open a payment session and poll its status until it settles, branching on the outcome.

ARAZZO

Fintecture Request To Pay and Track Status

Generate a payment link, find the resulting payment by status filter, then read its details.

ARAZZO

Fintecture Sandbox Test Payment

Pick a sandbox test account, open a payment session against its bank, then poll for completion.

ARAZZO

Fintecture Settlement Reconciliation

List settlements, read one settlement's detail, then pull merchant transactions to reconcile.

ARAZZO

Fintecture Mint Token then Initiate Payment

Mint a client-credentials access token, open a payment session, and read its status.

ARAZZO

Fintecture Update Payment Communication

Read a payment, patch its communication while it is still pending, then re-read to confirm.

ARAZZO

Pricing Plans

Fintecture Plans Pricing

9 plans

PLANS

Rate Limits

Fintecture Rate Limits

4 limits

RATE LIMITS

FinOps

Fintecture Finops

FINOPS

Features

Immediate Transfer — pay-by-bank Open Banking transfers without IBAN entry, near-instant settlement

Smart Transfer — auto-reconciled transfers using merchant-allocated virtual unique IBANs

Request To Pay — payment links delivered via email, SMS, QR code, or invoice

Verified Payout — refunds and customer reimbursements to verified bank accounts

Buy Now Pay Later — BNPL composed inside the Payment Hub

Immediate Refund — initiate full or partial refunds to original or alternative bank accounts

Account Information Services (AIS) — accounts, holders, balances, transactions

AIS-backed customer identity verification

E-Mandates — SEPA-style mandates with unique RUM identifier and cancel/revoke lifecycle

Payment Hub — single endpoint that orchestrates Immediate Transfer, Smart Transfer, and BNPL in one session

Local Acquiring — merchant funds collected then settled to merchant bank account

Decoupled bank authentication via PSU mobile banking app

HTTP message signature security (RFC draft-cavage-http-signatures) with digest and x-request-id mandatory on production

Webhook events with signature verification and an in-console Event Simulator

Sandbox Demo Bank plus real test accounts for each provider bank

Organisation Access Credentials (OAC, beta) — hierarchical Organisation Nodes, Companies, Memberships, Users

Multi-currency PIS rails — SEPA, iSCT (SEPA Instant), FPS (UK), PLN (Poland), INT (international)

Official SDKs for JavaScript / TypeScript, PHP, Python, Ruby

Plug-and-play modules for PrestaShop, Magento (2, 1.9, Hyva), WooCommerce / WordPress, Shopify, Odoo, Intershop, Oasis

Console with payment session tracking, application registration, SSO configuration, webhook setup, and pre-fill controls

Fraud detection and transaction monitoring beyond regulatory minimums

Semantic Vocabularies

Fintecture Context

0 classes · 7 properties

JSON-LD

API Governance Rules

Fintecture API Rules

7 rules · 3 errors 4 warnings

SPECTRAL

Example Payloads

Fintecture Get Accounts Example

2 fields

EXAMPLE

Fintecture Immediate Transfer Example

2 fields

EXAMPLE

Fintecture Request To Pay Example

2 fields

EXAMPLE

Resources

PostmanWorkspace

PostmanWorkspace

Documentation

Documentation

GettingStarted

Documentation

Documentation

Documentation

Documentation

GitHubOrganization

GitHubOrganization

TermsOfService

PrivacyPolicy

Sources

opencollection: 1.0.0
info:
  name: Fintecture Transactions and Settlements API
  version: v1
request:
  auth:
    type: bearer
    token: '{{bearerToken}}'
items:
- info:
    name: Transactions
    type: folder
  items:
  - info:
      name: List All Transactions
      type: http
    http:
      method: GET
      url: https://api.fintecture.com/v1/transactions
      params:
      - name: filter[from]
        value: ''
        type: query
      - name: filter[to]
        value: ''
        type: query
      - name: filter[type]
        value: ''
        type: query
    docs: List All Transactions
  - info:
      name: Get Specific Transaction
      type: http
    http:
      method: GET
      url: https://api.fintecture.com/v1/transactions/:transaction_id
      params:
      - name: transaction_id
        value: ''
        type: path
    docs: Get Specific Transaction
- info:
    name: Sandbox
    type: folder
  items:
  - info:
      name: Simulate A Transaction
      type: http
    http:
      method: POST
      url: https://api.fintecture.com/v1/transactions/simulate
      body:
        type: json
        data: '{}'
    docs: Simulate a credit/debit transaction in the Sandbox environment. Use this to test webhook and event flows.
bundled: true