# Fintecture

**Canonical:** https://apis.io/providers/fintecture/  
**Website:** https://fintecture.com  
**APIs profiled:** 22

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.

## Kin Score — 54.2 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 54.2).

| Facet | Score |
|---|---|
| Discoverability | 59.3 |
| Contract Quality | 67.9 |
| Governance | 9.8 |
| Contract Governance | 9.8 |
| Operational Transparency | 50.0 |
| Developer Ergonomics | 58.3 |
| Commercial Clarity | 63.2 |
| Access Clarity | 63.2 |

Regulatory layer — **Banking & Open Finance**: 26.6 (matched via tags).

## Agent readiness — 31.1 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | documented |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | documented |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Free · Self-serve signup — onboarding: self-serve, pricing: free, trial: no (confidence: high).

## APIs (22)

- **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

## Agentic access (1)

- **Fintecture Agentic Access** — 69 operations · 33 acting

## Security (2)

- **Fintecture Authentication** — http · 1 scheme
- **Fintecture Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC

## Plans (1)

- **Fintecture Plans Pricing**

## 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

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/fintecture/). Scores are computed from the provider's own public artifacts under a published rubric.