Fintecture

aid: fintecture
url: https://raw.githubusercontent.com/api-evangelist/fintecture/refs/heads/main/apis.yml
apis:
  - aid: fintecture:fintecture-pis-api
    name: Fintecture Payment Initiation Services API
    tags:
      - Open Banking
      - Payments
      - PIS
      - PSD2
      - Bank Transfers
      - Account-to-Account
    humanURL: https://doc.fintecture.com/reference/createpisv2connect
    properties:
      - 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: Documentation
      - url: openapi/fintecture-pis-api-openapi.yml
        type: OpenAPI
      - url: json-schema/fintecture-payment-schema.json
        type: JSONSchema
      - url: json-ld/fintecture-context.jsonld
        type: JSONLD
    description: >-
      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, and Verified Payout. The same /pis/v2/connect
      endpoint serves immediate transfers, smart transfers, and BNPL via a single Payment Hub abstraction. Production
      calls require HTTP message signature (RFC draft-cavage-http-signatures), digest, date, and x-request-id headers.
  - aid: fintecture:fintecture-ais-api
    name: Fintecture Account Information Services API
    tags:
      - Open Banking
      - AIS
      - PSD2
      - Account Information
      - Bank Data
    humanURL: https://doc.fintecture.com/reference/getaisv2connect
    properties:
      - 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: Documentation
      - url: openapi/fintecture-ais-api-openapi.yml
        type: OpenAPI
      - url: json-schema/fintecture-account-schema.json
        type: JSONSchema
    description: >-
      PSD2 Account Information Services. Retrieve PSU bank accounts, holders, balances, and transaction history after
      the PSU authenticates with their bank via the redirect or decoupled (mobile app) flow. Includes an AIS-based
      identity verification endpoint used to confirm the bank account holder name matches the merchant's customer
      record.
  - 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-emandates-api
    name: Fintecture E-Mandates API
    tags:
      - E-Mandates
      - SEPA
      - Direct Debit
      - Recurring Payments
    humanURL: https://doc.fintecture.com/reference/createemandate
    properties:
      - url: https://doc.fintecture.com/reference/createemandate
        type: Documentation
      - url: https://doc.fintecture.com/docs/request-e-mandate-access-token
        type: Documentation
      - url: openapi/fintecture-emandates-api-openapi.yml
        type: OpenAPI
    description: >-
      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 duplicate RUM. Requires a dedicated E-Mandate access
      token.
  - 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-resources-api
    name: Fintecture Resources API
    tags:
      - Banks
      - Providers
      - Reference Data
      - Sandbox
    humanURL: https://doc.fintecture.com/reference/getresv1providers
    properties:
      - url: https://doc.fintecture.com/reference/getresv1providers
        type: Documentation
      - url: openapi/fintecture-resources-api-openapi.yml
        type: OpenAPI
    description: >-
      Catalog of supported banks (Providers) with per-bank AIS capabilities (accountholders, accounts, transactions) and
      PIS rails (SEPA, iSCT instant, FPS, PLN, INT). Also exposes sandbox test accounts for each bank.
  - aid: fintecture:fintecture-oac-api
    name: Fintecture Organisation Access Credentials API
    tags:
      - Organisations
      - Access Control
      - Beta
      - Multi-Tenant
      - Console Management
    humanURL: https://doc.fintecture.com/docs/request-an-oac-access-token
    properties:
      - url: https://doc.fintecture.com/docs/request-an-oac-access-token
        type: Documentation
      - url: openapi/fintecture-oac-api-openapi.yml
        type: OpenAPI
    description: >-
      Beta multi-tenant management API for enterprise customers. Programmatically manage Applications, Bank Accounts,
      Companies, Organisation Nodes (hierarchical tree), Memberships, and Users in the Fintecture Console. Requires an
      OAC access token with per-resource read/write scopes.
  - 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.
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
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
access: 3rd-Party
common:
  - type: PostmanWorkspace
    url: https://www.postman.com/kinlaneapi/fintecture/overview
  - type: ArazzoWorkflows
    url: arazzo/
    workflows:
      - url: arazzo/fintecture-account-holders-identity-workflow.yml
        name: Fintecture Account Holders and Identity Verification
        summary: List a connection's accounts, read the first account's holders, then run an AIS identity verification.
      - url: arazzo/fintecture-connect-accounts-transactions-workflow.yml
        name: Fintecture Connect, List Accounts, and Pull Transactions
        summary: Open an AIS connect session, list the linked accounts, then pull one account's transactions.
      - url: arazzo/fintecture-customer-onboard-payment-workflow.yml
        name: Fintecture Onboard Customer and Initiate Payment
        summary: Register a merchant customer, attach their bank account, then open a payment session for them.
      - url: arazzo/fintecture-customer-verification-poll-workflow.yml
        name: Fintecture Customer Verification with Polling
        summary: Register a customer, start an AIS identity verification, then poll until it resolves.
      - url: arazzo/fintecture-decoupled-auth-accounts-workflow.yml
        name: Fintecture Decoupled Authentication then List Accounts
        summary: Authenticate a PSU with the decoupled (mobile-app) model, poll until approved, then list accounts.
      - url: arazzo/fintecture-list-providers-initiate-payment-workflow.yml
        name: Fintecture List Providers and Initiate Payment
        summary: Discover supported bank providers, then open a payment session and inspect its status.
      - url: arazzo/fintecture-payment-refund-workflow.yml
        name: Fintecture Refund a Completed Payment
        summary: Verify a payment is completed, issue a refund against it, then list the payment's refunds.
      - url: arazzo/fintecture-payment-status-poll-workflow.yml
        name: Fintecture Create Payment and Poll Status
        summary: Open a payment session and poll its status until it settles, branching on the outcome.
      - url: arazzo/fintecture-request-to-pay-status-workflow.yml
        name: Fintecture Request To Pay and Track Status
        summary: Generate a payment link, find the resulting payment by status filter, then read its details.
      - url: arazzo/fintecture-sandbox-test-payment-workflow.yml
        name: Fintecture Sandbox Test Payment
        summary: Pick a sandbox test account, open a payment session against its bank, then poll for completion.
      - url: arazzo/fintecture-settlement-reconciliation-workflow.yml
        name: Fintecture Settlement Reconciliation
        summary: List settlements, read one settlement's detail, then pull merchant transactions to reconcile.
      - url: arazzo/fintecture-token-then-payment-workflow.yml
        name: Fintecture Mint Token then Initiate Payment
        summary: Mint a client-credentials access token, open a payment session, and read its status.
      - url: arazzo/fintecture-update-payment-communication-workflow.yml
        name: Fintecture Update Payment Communication
        summary: Read a payment, patch its communication while it is still pending, then re-read to confirm.
  - type: LinkedIn
    url: https://www.linkedin.com/company/fintecture
  - type: Portal
    url: https://fintecture.com
  - type: Documentation
    url: https://doc.fintecture.com
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-overview
    name: API Overview
  - type: GettingStarted
    url: https://doc.fintecture.com/docs/api-overview
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-http-signature
    name: HTTP Signature Guide
  - type: Documentation
    url: https://doc.fintecture.com/docs/api-webhooks
    name: Webhooks Guide
  - type: Documentation
    url: https://doc.fintecture.com/docs/demo-bank
    name: Demo Bank Sandbox
  - type: Documentation
    url: https://doc.fintecture.com/docs/testing-complete-payment-flows-in-sandbox
    name: Testing Payment Flows in Sandbox
  - type: ChangeLog
    url: https://doc.fintecture.com/changelog
  - type: SignUp
    url: https://console.fintecture.com/
    name: Fintecture Console
  - type: Sandbox
    url: https://console-sandbox.fintecture.com/
    name: Sandbox Console
  - type: Postman
    url: https://doc.fintecture.com/docs/api-take-on-our-postman-collection
    name: Postman Collection
  - type: GitHubOrganization
    url: https://github.com/Fintecture
  - type: SDK
    url: https://github.com/Fintecture/fintecture-sdk-javascript
    name: JavaScript / TypeScript SDK
  - type: SDK
    url: https://github.com/Fintecture/fintecture-sdk-python
    name: Python SDK
  - type: SDK
    url: https://github.com/Fintecture/fintecture-sdk-php
    name: PHP SDK
  - type: SDK
    url: https://github.com/Fintecture/fintecture-sdk-ruby
    name: Ruby SDK
  - type: SampleCode
    url: https://github.com/Fintecture/sample-nodejs
    name: Node.js Express sample app
  - type: SampleCode
    url: https://github.com/Fintecture/sample-ror
    name: Ruby on Rails sample app
  - type: SampleCode
    url: https://github.com/Fintecture/signature-guide
    name: HTTP Signature Implementation Guide
  - type: Plugins
    url: https://github.com/Fintecture/magento
    name: Magento 2 Payment Module
  - type: Plugins
    url: https://github.com/Fintecture/magento-hyva
    name: Magento Hyva Theme Module
  - type: Plugins
    url: https://github.com/Fintecture/magento19
    name: Magento 1.9 Payment Module
  - type: Plugins
    url: https://github.com/Fintecture/odoo
    name: Odoo Payment Module
  - type: Integrations
    url: https://doc.fintecture.com/docs/cms-overview
    name: CMS Integrations (PrestaShop, Magento, Shopify, WordPress, Odoo, Intershop, Oasis)
  - type: Pricing
    url: https://fintecture.com/tarifs
  - type: TermsOfService
    url: https://fintecture.com/mentions-legales
  - type: PrivacyPolicy
    url: https://fintecture.com/politique-de-confidentialite
  - type: Support
    url: https://fintecture.com/contact
  - type: StatusPage
    url: https://status.fintecture.com
  - type: Blog
    url: https://fintecture.com/blog
  - type: Regions
    data:
      - France
      - European Economic Area
      - United Kingdom
    description: >-
      Fintecture is a French payment institution (ACPR/Banque de France authorization #17248) operating PSD2 services
      across the EEA and connecting to UK Open Banking via the Faster Payments Service (FPS).
  - type: Regulator
    url: https://acpr.banque-france.fr/
    name: ACPR — Autorite de Controle Prudentiel et de Resolution
  - type: Features
    data:
      - 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
    sources:
      - https://fintecture.com/
      - https://doc.fintecture.com/
      - https://doc.fintecture.com/llms.txt
      - https://github.com/Fintecture
    updated: '2026-05-25'
created: '2026-05-25T00:00:00.000Z'
modified: '2026-05-25'
position: Consuming
description: >-
  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.
maintainers:
  - FN: Kin Lane
    email: info@apievangelist.com
    X: apievangelist
    url: https://apievangelist.com
specificationVersion: '0.16'