Fintecture website screenshot

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.

Fintecture publishes 22 APIs on the APIs.io network, including Customers API, OAuth and Tokens API, Transactions and Settlements API, and 19 more. Tagged areas include Open Banking, Payments, PSD2, France, and Account Information.

The Fintecture catalog on APIs.io includes 1 JSON-LD context and 2 Spectral governance rulesets.

Fintecture’s developer surface includes authentication, developer portal, documentation, getting-started guide, changelog, signup flow, sandbox, and 42 more developer resources.

🌐 Visit website 📡 Source on GitHub
62.2/100 strong ▼ -6.4 Agent 31/100 agent aware Full breakdown ↓
scored 2026-07-28 · rubric v0.6
AccessFreeSelf serve⚡ Free to try
22 APIs 21 Features
Open BankingPaymentsPSD2FranceAccount InformationPayment InitiationInstant PaymentsSEPASmart TransferRequest To PayBuy Now Pay LaterE-MandatesAccount-to-AccountKYC

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-28 · rubric v0.6
Composite quality — 62.2/100 · strong
Contract Quality 17.2 / 25
Developer Ergonomics 14.3 / 20
Commercial Clarity 14.2 / 20
Operational Transparency 8.9 / 13
Governance 7.0 / 12
Discoverability 5.9 / 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/fintecture: 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 22

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

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 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 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...

Fintecture Accounts API

Bank accounts, balances, and holders

Fintecture Applications API

The Applications API from Fintecture — 3 operation(s) for applications.

Fintecture Authentication API

PSU bank authentication

Fintecture Bank Accounts API

Customer bank accounts

Fintecture Companies API

The Companies API from Fintecture — 2 operation(s) for companies.

Fintecture E-Mandates API

Customer e-mandates

Fintecture Memberships API

The Memberships API from Fintecture — 2 operation(s) for memberships.

Fintecture Organisation Nodes API

The Organisation Nodes API from Fintecture — 4 operation(s) for organisation nodes.

Fintecture Payments API

Create and inspect payment sessions

Fintecture Payouts API

Verified payouts and request-for-payout

Fintecture Providers API

Bank providers / coverage

Fintecture Refunds API

Initiate immediate refunds

Fintecture Request To Pay API

Generate Fintecture payment links

Fintecture Sandbox API

The Sandbox API from Fintecture — 1 operation(s) for sandbox.

Fintecture Settlements API

Local Acquiring disbursements

Fintecture Test Accounts API

Sandbox test accounts

Fintecture Users API

The Users API from Fintecture — 2 operation(s) for users.

Fintecture Verification API

AIS-based identity verification

Fintecture Verifications API

Customer identity verifications

Scroll for all 22

Postman Collections 8

Ready-to-run Postman collections for exercising this provider's APIs.

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

Scroll for all 8

Open Collections 8

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

Fintecture Account Information Services API

OPEN COLLECTION

Fintecture Customers API

OPEN COLLECTION

Fintecture E-Mandates API

OPEN COLLECTION

Fintecture Organisation Access Credentials API

OPEN COLLECTION

Fintecture OAuth and Tokens API

OPEN COLLECTION

Fintecture Payment Initiation Services API

OPEN COLLECTION

Fintecture Resources API

OPEN COLLECTION

Fintecture Transactions and Settlements API

OPEN COLLECTION

Scroll for all 8

Arazzo Workflows 13

Multi-step API workflows described with the Arazzo specification.

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

Scroll for all 13

Pricing Plans 1

Published pricing tiers and plan structures.

Fintecture Plans Pricing

9 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Fintecture Rate Limits

4 limits

RATE LIMITS

FinOps 1

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

Fintecture Finops

FINOPS

Features 21

Notable capabilities this provider offers.

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

Scroll for all 21

Semantic Vocabularies 1

JSON-LD contexts and semantic vocabularies used across these APIs.

Fintecture Context

0 classes · 7 properties

JSON-LD

Spectral Rules 2

Spectral governance rulesets for linting and validating these APIs.

Fintecture API Rules

5 rules · 4 warnings 1 info

SPECTRAL

Fintecture API Rules

7 rules · 3 errors 4 warnings

SPECTRAL

JSON Schema 2

Standalone JSON Schema definitions for this provider's data models.

Fintecture Bank Account

7 properties

JSON SCHEMA

Fintecture Payment

6 properties

JSON SCHEMA

Examples 3

Example request and response payloads for these APIs.

Fintecture Get Accounts Example

2 fields

EXAMPLE

Fintecture Immediate Transfer Example

2 fields

EXAMPLE

Fintecture Request To Pay Example

2 fields

EXAMPLE

Security Posture 2

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

Fintecture Authentication

http · 1 scheme

SECURITY

Fintecture Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Agentic Access 1

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

Fintecture Agentic Access

69 operations · 33 acting

69 operations · 33 acting

AGENTIC

Resources

Get Started 4

Portal, sign-up, and the first successful call

Portal
Portal
 GettingStarted
GettingStarted
 Signup
Signup
 Sandbox
Sandbox

Documentation 6

Reference material describing how the API behaves

Documentation
Documentation
 Documentation
Documentation
 Documentation
Documentation
 Documentation
Documentation
 Documentation
Documentation
 Documentation
Documentation

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess
AgenticAccess

Design & Contract 13

Pagination, idempotency, versioning, errors, and events

Arazzo
Arazzo
 Arazzo
Arazzo
 Arazzo
Arazzo
 Arazzo
Arazzo
 Arazzo
Arazzo
 Arazzo
Arazzo
 Arazzo
Arazzo
 Arazzo
Arazzo
 Arazzo
Arazzo
 Arazzo
Arazzo
 Arazzo
Arazzo
 Arazzo
Arazzo
 Arazzo
Arazzo

Scroll for all 13

Build 14

SDKs, sample code, and the tooling you integrate with

PostmanWorkspace
PostmanWorkspace
 Postman
Postman
 GitHubOrganization
GitHubOrganization
 SDKs
SDKs
 SDKs
SDKs
 SDKs
SDKs
 SDKs
SDKs
 SampleCode
SampleCode
 SampleCode
SampleCode
 SampleCode
SampleCode
 Plugins
Plugins
 Plugins
Plugins
 Plugins
Plugins
 Plugins
Plugins

Scroll for all 14

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity
DomainSecurity
 Authentication
Authentication

Operate 3

Status, limits, changes, and where to get help

ChangeLog
ChangeLog
 Support
Support
 StatusPage
StatusPage

Commercial 3

Pricing, plans, and the legal terms of use

Pricing
Pricing
 TermsOfService
TermsOfService
 PrivacyPolicy
PrivacyPolicy

Company 2

The organization behind the API

LinkedIn
LinkedIn
 Blog
Blog

Other 2

Properties that don't map to a standard resource type

Regulator
Regulator

Source (apis.yml)

apis.yml Raw ↑ 
aid: fintecture
url: https://raw.githubusercontent.com/api-evangelist/fintecture/refs/heads/main/apis.yml
apis:
- aid: fintecture:fintecture-customers-api
  name: Fintecture Customers API
  tags:
  - Customers
  - KYC
  - Bank Accounts
  - Verification
  humanURL: https://doc.fintecture.com/reference/createcustomer
  properties:
  - url: https://doc.fintecture.com/reference/createcustomer
    type: Documentation
  - url: https://doc.fintecture.com/docs/api-verify-a-customer
    type: Documentation
  - url: openapi/fintecture-customers-api-openapi.yml
    type: OpenAPI
  description: Register and manage merchant customers, attach their bank accounts, and run identity verifications. Persisted
    customer records pre-fill payment fields and accelerate repeat checkouts; verifications confirm account holder identity
    through the AIS rails.
- aid: fintecture:fintecture-oauth-api
  name: Fintecture OAuth and Tokens API
  tags:
  - OAuth
  - Authentication
  - Access Tokens
  - Security
  humanURL: https://doc.fintecture.com/reference/createaccesstoken
  properties:
  - url: https://doc.fintecture.com/reference/createaccesstoken
    type: Documentation
  - url: https://doc.fintecture.com/docs/api-request-a-pis-access-token
    type: Documentation
  - url: https://doc.fintecture.com/docs/api-request-an-ais-token
    type: Documentation
  - url: openapi/fintecture-oauth-api-openapi.yml
    type: OpenAPI
  description: Issues access tokens via authorization_code and client_credentials grants. Distinct scopes for PIS, AIS, Customers,
    E-Mandates, and OAC (Organisation Access Credentials, beta). Access tokens are valid for 1 hour and can be refreshed.
- aid: fintecture:fintecture-transactions-api
  name: Fintecture Transactions and Settlements API
  tags:
  - Transactions
  - Settlements
  - Local Acquiring
  - Reconciliation
  - Reporting
  humanURL: https://doc.fintecture.com/reference/getpisv2settlements
  properties:
  - url: https://doc.fintecture.com/reference/getpisv2settlements
    type: Documentation
  - url: https://doc.fintecture.com/reference/listalltransactions
    type: Documentation
  - url: openapi/fintecture-transactions-api-openapi.yml
    type: OpenAPI
  description: Inspect transactions and settlements. Settlements represent outgoing disbursements from the merchant's Local
    Acquiring account to their own bank account. Sandbox includes a transaction simulator endpoint.
- aid: fintecture:fintecture-accounts-api
  name: Fintecture Accounts API
  description: Bank accounts, balances, and holders
  humanURL: https://doc.fintecture.com/reference/createpisv2connect
  tags:
  - Accounts
  properties:
  - type: OpenAPI
    url: openapi/fintecture-accounts-api-openapi.yml
  - type: Documentation
    url: https://doc.fintecture.com/reference/createpisv2connect
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-initiate-an-immediate-payment
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-initiate-a-smart-transfer
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-initiate-a-request-to-pay
  - type: JSONSchema
    url: json-schema/fintecture-payment-schema.json
  - type: JSONLD
    url: json-ld/fintecture-context.jsonld
  - type: Documentation
    url: https://doc.fintecture.com/reference/getaisv2connect
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-recover-bank-accounts
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-recover-bank-account-transactions
  - type: JSONSchema
    url: json-schema/fintecture-account-schema.json
  - type: Documentation
    url: https://doc.fintecture.com/reference/createemandate
  - type: Documentation
    url: https://doc.fintecture.com/docs/request-e-mandate-access-token
  - type: Documentation
    url: https://doc.fintecture.com/reference/getresv1providers
  - type: Documentation
    url: https://doc.fintecture.com/docs/request-an-oac-access-token
- aid: fintecture:fintecture-applications-api
  name: Fintecture Applications API
  description: The Applications API from Fintecture — 3 operation(s) for applications.
  humanURL: https://doc.fintecture.com/reference/createpisv2connect
  tags:
  - Applications
  properties:
  - type: OpenAPI
    url: openapi/fintecture-applications-api-openapi.yml
  - type: Documentation
    url: https://doc.fintecture.com/reference/createpisv2connect
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-initiate-an-immediate-payment
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-initiate-a-smart-transfer
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-initiate-a-request-to-pay
  - type: JSONSchema
    url: json-schema/fintecture-payment-schema.json
  - type: JSONLD
    url: json-ld/fintecture-context.jsonld
  - type: Documentation
    url: https://doc.fintecture.com/reference/getaisv2connect
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-recover-bank-accounts
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-recover-bank-account-transactions
  - type: JSONSchema
    url: json-schema/fintecture-account-schema.json
  - type: Documentation
    url: https://doc.fintecture.com/reference/createemandate
  - type: Documentation
    url: https://doc.fintecture.com/docs/request-e-mandate-access-token
  - type: Documentation
    url: https://doc.fintecture.com/reference/getresv1providers
  - type: Documentation
    url: https://doc.fintecture.com/docs/request-an-oac-access-token
- aid: fintecture:fintecture-authentication-api
  name: Fintecture Authentication API
  description: PSU bank authentication
  humanURL: https://doc.fintecture.com/reference/createpisv2connect
  tags:
  - Authentication
  properties:
  - type: OpenAPI
    url: openapi/fintecture-authentication-api-openapi.yml
  - type: Documentation
    url: https://doc.fintecture.com/reference/createpisv2connect
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-initiate-an-immediate-payment
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-initiate-a-smart-transfer
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-initiate-a-request-to-pay
  - type: JSONSchema
    url: json-schema/fintecture-payment-schema.json
  - type: JSONLD
    url: json-ld/fintecture-context.jsonld
  - type: Documentation
    url: https://doc.fintecture.com/reference/getaisv2connect
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-recover-bank-accounts
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-recover-bank-account-transactions
  - type: JSONSchema
    url: json-schema/fintecture-account-schema.json
  - type: Documentation
    url: https://doc.fintecture.com/reference/createemandate
  - type: Documentation
    url: https://doc.fintecture.com/docs/request-e-mandate-access-token
  - type: Documentation
    url: https://doc.fintecture.com/reference/getresv1providers
  - type: Documentation
    url: https://doc.fintecture.com/docs/request-an-oac-access-token
- aid: fintecture:fintecture-bank-accounts-api
  name: Fintecture Bank Accounts API
  description: Customer bank accounts
  humanURL: https://doc.fintecture.com/reference/createpisv2connect
  tags:
  - Bank Accounts
  properties:
  - type: OpenAPI
    url: openapi/fintecture-bank-accounts-api-openapi.yml
  - type: Documentation
    url: https://doc.fintecture.com/reference/createpisv2connect
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-initiate-an-immediate-payment
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-initiate-a-smart-transfer
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-initiate-a-request-to-pay
  - type: JSONSchema
    url: json-schema/fintecture-payment-schema.json
  - type: JSONLD
    url: json-ld/fintecture-context.jsonld
  - type: Documentation
    url: https://doc.fintecture.com/reference/getaisv2connect
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-recover-bank-accounts
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-recover-bank-account-transactions
  - type: JSONSchema
    url: json-schema/fintecture-account-schema.json
  - type: Documentation
    url: https://doc.fintecture.com/reference/createemandate
  - type: Documentation
    url: https://doc.fintecture.com/docs/request-e-mandate-access-token
  - type: Documentation
    url: https://doc.fintecture.com/reference/getresv1providers
  - type: Documentation
    url: https://doc.fintecture.com/docs/request-an-oac-access-token
- aid: fintecture:fintecture-companies-api
  name: Fintecture Companies API
  description: The Companies API from Fintecture — 2 operation(s) for companies.
  humanURL: https://doc.fintecture.com/reference/createpisv2connect
  tags:
  - Companies
  properties:
  - type: OpenAPI
    url: openapi/fintecture-companies-api-openapi.yml
  - type: Documentation
    url: https://doc.fintecture.com/reference/createpisv2connect
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-initiate-an-immediate-payment
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-initiate-a-smart-transfer
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-initiate-a-request-to-pay
  - type: JSONSchema
    url: json-schema/fintecture-payment-schema.json
  - type: JSONLD
    url: json-ld/fintecture-context.jsonld
  - type: Documentation
    url: https://doc.fintecture.com/reference/getaisv2connect
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-recover-bank-accounts
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-recover-bank-account-transactions
  - type: JSONSchema
    url: json-schema/fintecture-account-schema.json
  - type: Documentation
    url: https://doc.fintecture.com/reference/createemandate
  - type: Documentation
    url: https://doc.fintecture.com/docs/request-e-mandate-access-token
  - type: Documentation
    url: https://doc.fintecture.com/reference/getresv1providers
  - type: Documentation
    url: https://doc.fintecture.com/docs/request-an-oac-access-token
- aid: fintecture:fintecture-e-mandates-api
  name: Fintecture E-Mandates API
  description: Customer e-mandates
  humanURL: https://doc.fintecture.com/reference/createpisv2connect
  tags:
  - E-Mandates
  properties:
  - type: OpenAPI
    url: openapi/fintecture-e-mandates-api-openapi.yml
  - type: Documentation
    url: https://doc.fintecture.com/reference/createpisv2connect
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-initiate-an-immediate-payment
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-initiate-a-smart-transfer
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-initiate-a-request-to-pay
  - type: JSONSchema
    url: json-schema/fintecture-payment-schema.json
  - type: JSONLD
    url: json-ld/fintecture-context.jsonld
  - type: Documentation
    url: https://doc.fintecture.com/reference/getaisv2connect
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-recover-bank-accounts
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-recover-bank-account-transactions
  - type: JSONSchema
    url: json-schema/fintecture-account-schema.json
  - type: Documentation
    url: https://doc.fintecture.com/reference/createemandate
  - type: Documentation
    url: https://doc.fintecture.com/docs/request-e-mandate-access-token
  - type: Documentation
    url: https://doc.fintecture.com/reference/getresv1providers
  - type: Documentation
    url: https://doc.fintecture.com/docs/request-an-oac-access-token
- aid: fintecture:fintecture-memberships-api
  name: Fintecture Memberships API
  description: The Memberships API from Fintecture — 2 operation(s) for memberships.
  humanURL: https://doc.fintecture.com/reference/createpisv2connect
  tags:
  - Memberships
  properties:
  - type: OpenAPI
    url: openapi/fintecture-memberships-api-openapi.yml
  - type: Documentation
    url: https://doc.fintecture.com/reference/createpisv2connect
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-initiate-an-immediate-payment
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-initiate-a-smart-transfer
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-initiate-a-request-to-pay
  - type: JSONSchema
    url: json-schema/fintecture-payment-schema.json
  - type: JSONLD
    url: json-ld/fintecture-context.jsonld
  - type: Documentation
    url: https://doc.fintecture.com/reference/getaisv2connect
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-recover-bank-accounts
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-recover-bank-account-transactions
  - type: JSONSchema
    url: json-schema/fintecture-account-schema.json
  - type: Documentation
    url: https://doc.fintecture.com/reference/createemandate
  - type: Documentation
    url: https://doc.fintecture.com/docs/request-e-mandate-access-token
  - type: Documentation
    url: https://doc.fintecture.com/reference/getresv1providers
  - type: Documentation
    url: https://doc.fintecture.com/docs/request-an-oac-access-token
- aid: fintecture:fintecture-organisation-nodes-api
  name: Fintecture Organisation Nodes API
  description: The Organisation Nodes API from Fintecture — 4 operation(s) for organisation nodes.
  humanURL: https://doc.fintecture.com/reference/createpisv2connect
  tags:
  - Organisation Nodes
  properties:
  - type: OpenAPI
    url: openapi/fintecture-organisation-nodes-api-openapi.yml
  - type: Documentation
    url: https://doc.fintecture.com/reference/createpisv2connect
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-initiate-an-immediate-payment
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-initiate-a-smart-transfer
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-initiate-a-request-to-pay
  - type: JSONSchema
    url: json-schema/fintecture-payment-schema.json
  - type: JSONLD
    url: json-ld/fintecture-context.jsonld
  - type: Documentation
    url: https://doc.fintecture.com/reference/getaisv2connect
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-recover-bank-accounts
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-recover-bank-account-transactions
  - type: JSONSchema
    url: json-schema/fintecture-account-schema.json
  - type: Documentation
    url: https://doc.fintecture.com/reference/createemandate
  - type: Documentation
    url: https://doc.fintecture.com/docs/request-e-mandate-access-token
  - type: Documentation
    url: https://doc.fintecture.com/reference/getresv1providers
  - type: Documentation
    url: https://doc.fintecture.com/docs/request-an-oac-access-token
- aid: fintecture:fintecture-payments-api
  name: Fintecture Payments API
  description: Create and inspect payment sessions
  humanURL: https://doc.fintecture.com/reference/createpisv2connect
  tags:
  - Payments
  properties:
  - type: OpenAPI
    url: openapi/fintecture-payments-api-openapi.yml
  - type: Documentation
    url: https://doc.fintecture.com/reference/createpisv2connect
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-initiate-an-immediate-payment
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-initiate-a-smart-transfer
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-initiate-a-request-to-pay
  - type: JSONSchema
    url: json-schema/fintecture-payment-schema.json
  - type: JSONLD
    url: json-ld/fintecture-context.jsonld
  - type: Documentation
    url: https://doc.fintecture.com/reference/getaisv2connect
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-recover-bank-accounts
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-recover-bank-account-transactions
  - type: JSONSchema
    url: json-schema/fintecture-account-schema.json
  - type: Documentation
    url: https://doc.fintecture.com/reference/createemandate
  - type: Documentation
    url: https://doc.fintecture.com/docs/request-e-mandate-access-token
  - type: Documentation
    url: https://doc.fintecture.com/reference/getresv1providers
  - type: Documentation
    url: https://doc.fintecture.com/docs/request-an-oac-access-token
- aid: fintecture:fintecture-payouts-api
  name: Fintecture Payouts API
  description: Verified payouts and request-for-payout
  humanURL: https://doc.fintecture.com/reference/createpisv2connect
  tags:
  - Payouts
  properties:
  - type: OpenAPI
    url: openapi/fintecture-payouts-api-openapi.yml
  - type: Documentation
    url: https://doc.fintecture.com/reference/createpisv2connect
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-initiate-an-immediate-payment
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-initiate-a-smart-transfer
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-initiate-a-request-to-pay
  - type: JSONSchema
    url: json-schema/fintecture-payment-schema.json
  - type: JSONLD
    url: json-ld/fintecture-context.jsonld
  - type: Documentation
    url: https://doc.fintecture.com/reference/getaisv2connect
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-recover-bank-accounts
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-recover-bank-account-transactions
  - type: JSONSchema
    url: json-schema/fintecture-account-schema.json
  - type: Documentation
    url: https://doc.fintecture.com/reference/createemandate
  - type: Documentation
    url: https://doc.fintecture.com/docs/request-e-mandate-access-token
  - type: Documentation
    url: https://doc.fintecture.com/reference/getresv1providers
  - type: Documentation
    url: https://doc.fintecture.com/docs/request-an-oac-access-token
- aid: fintecture:fintecture-providers-api
  name: Fintecture Providers API
  description: Bank providers / coverage
  humanURL: https://doc.fintecture.com/reference/createpisv2connect
  tags:
  - Providers
  properties:
  - type: OpenAPI
    url: openapi/fintecture-providers-api-openapi.yml
  - type: Documentation
    url: https://doc.fintecture.com/reference/createpisv2connect
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-initiate-an-immediate-payment
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-initiate-a-smart-transfer
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-initiate-a-request-to-pay
  - type: JSONSchema
    url: json-schema/fintecture-payment-schema.json
  - type: JSONLD
    url: json-ld/fintecture-context.jsonld
  - type: Documentation
    url: https://doc.fintecture.com/reference/getaisv2connect
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-recover-bank-accounts
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-recover-bank-account-transactions
  - type: JSONSchema
    url: json-schema/fintecture-account-schema.json
  - type: Documentation
    url: https://doc.fintecture.com/reference/createemandate
  - type: Documentation
    url: https://doc.fintecture.com/docs/request-e-mandate-access-token
  - type: Documentation
    url: https://doc.fintecture.com/reference/getresv1providers
  - type: Documentation
    url: https://doc.fintecture.com/docs/request-an-oac-access-token
- aid: fintecture:fintecture-refunds-api
  name: Fintecture Refunds API
  description: Initiate immediate refunds
  humanURL: https://doc.fintecture.com/reference/createpisv2connect
  tags:
  - Refunds
  properties:
  - type: OpenAPI
    url: openapi/fintecture-refunds-api-openapi.yml
  - type: Documentation
    url: https://doc.fintecture.com/reference/createpisv2connect
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-initiate-an-immediate-payment
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-initiate-a-smart-transfer
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-initiate-a-request-to-pay
  - type: JSONSchema
    url: json-schema/fintecture-payment-schema.json
  - type: JSONLD
    url: json-ld/fintecture-context.jsonld
  - type: Documentation
    url: https://doc.fintecture.com/reference/getaisv2connect
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-recover-bank-accounts
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-recover-bank-account-transactions
  - type: JSONSchema
    url: json-schema/fintecture-account-schema.json
  - type: Documentation
    url: https://doc.fintecture.com/reference/createemandate
  - type: Documentation
    url: https://doc.fintecture.com/docs/request-e-mandate-access-token
  - type: Documentation
    url: https://doc.fintecture.com/reference/getresv1providers
  - type: Documentation
    url: https://doc.fintecture.com/docs/request-an-oac-access-token
- aid: fintecture:fintecture-request-to-pay-api
  name: Fintecture Request To Pay API
  description: Generate Fintecture payment links
  humanURL: https://doc.fintecture.com/reference/createpisv2connect
  tags:
  - Request To Pay
  properties:
  - type: OpenAPI
    url: openapi/fintecture-request-to-pay-api-openapi.yml
  - type: Documentation
    url: https://doc.fintecture.com/reference/createpisv2connect
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-initiate-an-immediate-payment
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-initiate-a-smart-transfer
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-initiate-a-request-to-pay
  - type: JSONSchema
    url: json-schema/fintecture-payment-schema.json
  - type: JSONLD
    url: json-ld/fintecture-context.jsonld
  - type: Documentation
    url: https://doc.fintecture.com/reference/getaisv2connect
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-recover-bank-accounts
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-recover-bank-account-transactions
  - type: JSONSchema
    url: json-schema/fintecture-account-schema.json
  - type: Documentation
    url: https://doc.fintecture.com/reference/createemandate
  - type: Documentation
    url: https://doc.fintecture.com/docs/request-e-mandate-access-token
  - type: Documentation
    url: https://doc.fintecture.com/reference/getresv1providers
  - type: Documentation
    url: https://doc.fintecture.com/docs/request-an-oac-access-token
- aid: fintecture:fintecture-sandbox-api
  name: Fintecture Sandbox API
  description: The Sandbox API from Fintecture — 1 operation(s) for sandbox.
  humanURL: https://doc.fintecture.com/reference/createpisv2connect
  tags:
  - Sandbox
  properties:
  - type: OpenAPI
    url: openapi/fintecture-sandbox-api-openapi.yml
  - type: Documentation
    url: https://doc.fintecture.com/reference/createpisv2connect
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-initiate-an-immediate-payment
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-initiate-a-smart-transfer
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-initiate-a-request-to-pay
  - type: JSONSchema
    url: json-schema/fintecture-payment-schema.json
  - type: JSONLD
    url: json-ld/fintecture-context.jsonld
  - type: Documentation
    url: https://doc.fintecture.com/reference/getaisv2connect
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-recover-bank-accounts
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-recover-bank-account-transactions
  - type: JSONSchema
    url: json-schema/fintecture-account-schema.json
  - type: Documentation
    url: https://doc.fintecture.com/reference/createemandate
  - type: Documentation
    url: https://doc.fintecture.com/docs/request-e-mandate-access-token
  - type: Documentation
    url: https://doc.fintecture.com/reference/getresv1providers
  - type: Documentation
    url: https://doc.fintecture.com/docs/request-an-oac-access-token
- aid: fintecture:fintecture-settlements-api
  name: Fintecture Settlements API
  description: Local Acquiring disbursements
  humanURL: https://doc.fintecture.com/reference/createpisv2connect
  tags:
  - Settlements
  properties:
  - type: OpenAPI
    url: openapi/fintecture-settlements-api-openapi.yml
  - type: Documentation
    url: https://doc.fintecture.com/reference/createpisv2connect
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-initiate-an-immediate-payment
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-initiate-a-smart-transfer
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-initiate-a-request-to-pay
  - type: JSONSchema
    url: json-schema/fintecture-payment-schema.json
  - type: JSONLD
    url: json-ld/fintecture-context.jsonld
  - type: Documentation
    url: https://doc.fintecture.com/reference/getaisv2connect
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-recover-bank-accounts
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-recover-bank-account-transactions
  - type: JSONSchema
    url: json-schema/fintecture-account-schema.json
  - type: Documentation
    url: https://doc.fintecture.com/reference/createemandate
  - type: Documentation
    url: https://doc.fintecture.com/docs/request-e-mandate-access-token
  - type: Documentation
    url: https://doc.fintecture.com/reference/getresv1providers
  - type: Documentation
    url: https://doc.fintecture.com/docs/request-an-oac-access-token
- aid: fintecture:fintecture-test-accounts-api
  name: Fintecture Test Accounts API
  description: Sandbox test accounts
  humanURL: https://doc.fintecture.com/reference/createpisv2connect
  tags:
  - Test Accounts
  properties:
  - type: OpenAPI
    url: openapi/fintecture-test-accounts-api-openapi.yml
  - type: Documentation
    url: https://doc.fintecture.com/reference/createpisv2connect
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-initiate-an-immediate-payment
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-initiate-a-smart-transfer
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-initiate-a-request-to-pay
  - type: JSONSchema
    url: json-schema/fintecture-payment-schema.json
  - type: JSONLD
    url: json-ld/fintecture-context.jsonld
  - type: Documentation
    url: https://doc.fintecture.com/reference/getaisv2connect
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-recover-bank-accounts
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-recover-bank-account-transactions
  - type: JSONSchema
    url: json-schema/fintecture-account-schema.json
  - type: Documentation
    url: https://doc.fintecture.com/reference/createemandate
  - type: Documentation
    url: https://doc.fintecture.com/docs/request-e-mandate-access-token
  - type: Documentation
    url: https://doc.fintecture.com/reference/getresv1providers
  - type: Documentation
    url: https://doc.fintecture.com/docs/request-an-oac-access-token
- aid: fintecture:fintecture-users-api
  name: Fintecture Users API
  description: The Users API from Fintecture — 2 operation(s) for users.
  humanURL: https://doc.fintecture.com/reference/createpisv2connect
  tags:
  - Users
  properties:
  - type: OpenAPI
    url: openapi/fintecture-users-api-openapi.yml
  - type: Documentation
    url: https://doc.fintecture.com/reference/createpisv2connect
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-initiate-an-immediate-payment
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-initiate-a-smart-transfer
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-initiate-a-request-to-pay
  - type: JSONSchema
    url: json-schema/fintecture-payment-schema.json
  - type: JSONLD
    url: json-ld/fintecture-context.jsonld
  - type: Documentation
    url: https://doc.fintecture.com/reference/getaisv2connect
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-recover-bank-accounts
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-recover-bank-account-transactions
  - type: JSONSchema
    url: json-schema/fintecture-account-schema.json
  - type: Documentation
    url: https://doc.fintecture.com/reference/createemandate
  - type: Documentation
    url: https://doc.fintecture.com/docs/request-e-mandate-access-token
  - type: Documentation
    url: https://doc.fintecture.com/reference/getresv1providers
  - type: Documentation
    url: https://doc.fintecture.com/docs/request-an-oac-access-token
- aid: fintecture:fintecture-verification-api
  name: Fintecture Verification API
  description: AIS-based identity verification
  humanURL: https://doc.fintecture.com/reference/createpisv2connect
  tags:
  - Verification
  properties:
  - type: OpenAPI
    url: openapi/fintecture-verification-api-openapi.yml
  - type: Documentation
    url: https://doc.fintecture.com/reference/createpisv2connect
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-initiate-an-immediate-payment
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-initiate-a-smart-transfer
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-initiate-a-request-to-pay
  - type: JSONSchema
    url: json-schema/fintecture-payment-schema.json
  - type: JSONLD
    url: json-ld/fintecture-context.jsonld
  - type: Documentation
    url: https://doc.fintecture.com/reference/getaisv2connect
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-recover-bank-accounts
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-recover-bank-account-transactions
  - type: JSONSchema
    url: json-schema/fintecture-account-schema.json
  - type: Documentation
    url: https://doc.fintecture.com/reference/createemandate
  - type: Documentation
    url: https://doc.fintecture.com/docs/request-e-mandate-access-token
  - type: Documentation
    url: https://doc.fintecture.com/reference/getresv1providers
  - type: Documentation
    url: https://doc.fintecture.com/docs/request-an-oac-access-token
- aid: fintecture:fintecture-verifications-api
  name: Fintecture Verifications API
  description: Customer identity verifications
  humanURL: https://doc.fintecture.com/reference/createpisv2connect
  tags:
  - Verifications
  properties:
  - type: OpenAPI
    url: openapi/fintecture-verifications-api-openapi.yml
  - type: Documentation
    url: https://doc.fintecture.com/reference/createpisv2connect
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-initiate-an-immediate-payment
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-initiate-a-smart-transfer
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-initiate-a-request-to-pay
  - type: JSONSchema
    url: json-schema/fintecture-payment-schema.json
  - type: JSONLD
    url: json-ld/fintecture-context.jsonld
  - type: Documentation
    url: https://doc.fintecture.com/reference/getaisv2connect
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-recover-bank-accounts
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-recover-bank-account-transactions
  - type: JSONSchema
    url: json-schema/fintecture-account-schema.json
  - type: Documentation
    url: https://doc.fintecture.com/reference/createemandate
  - type: Documentation
    url: https://doc.fintecture.com/docs/request-e-mandate-access-token
  - type: Documentation
    url: https://doc.fintecture.com/reference/getresv1providers
  - type: Documentation
    url: https://doc.fintecture.com/docs/request-an-oac-access-token
name: Fintecture
tags:
- Open Banking
- Payments
- PSD2
- France
- Account Information
- Payment Initiation
- Instant Payments
- SEPA
- Smart Transfer
- Request To Pay
- Buy Now Pay Later
- E-Mandates
- Account-to-Account
- KYC
kind: contract
accessModel:
  pricing: free
  onboarding: self-serve
  trial: false
  try_now: true
  public: false
  label: Free · 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/fintecture.png
access: 3rd-Party
common:
- type: AgenticAccess
  url: agentic-access/fintecture-agentic-access.yml
- type: DomainSecurity
  url: security/fintecture-domain-security.yml
- type: Authentication
  url: authentication/fintecture-authentication.yml
- type: PostmanWorkspace
  url: https://www.postman.com/kinlaneapi/fintecture/overview
- type: Arazzo
  url: arazzo/fintecture-account-holders-identity-workflow.yml
  name: Fintecture Account Holders and Identity Verification
- type: A

# --- truncated at 32 KB (39 KB total) ---
# Full source: https://raw.githubusercontent.com/api-evangelist/fintecture/refs/heads/main/apis.yml