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
  - type: NaftikoCapability
    url: capabilities/pis-payments.yaml
  - type: NaftikoCapability
    url: capabilities/pis-request-to-pay.yaml
  - type: NaftikoCapability
    url: capabilities/pis-refunds.yaml
  - type: NaftikoCapability
    url: capabilities/pis-settlements.yaml
  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
  - type: NaftikoCapability
    url: capabilities/ais-accounts.yaml
  - type: NaftikoCapability
    url: capabilities/ais-transactions.yaml
  - type: NaftikoCapability
    url: capabilities/ais-verification.yaml
  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
  - type: NaftikoCapability
    url: capabilities/customers-customers.yaml
  - type: NaftikoCapability
    url: capabilities/customers-bank-accounts.yaml
  - type: NaftikoCapability
    url: capabilities/customers-verifications.yaml
  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
  - type: NaftikoCapability
    url: capabilities/emandates-emandates.yaml
  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
  - type: NaftikoCapability
    url: capabilities/oauth-tokens.yaml
  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
  - type: NaftikoCapability
    url: capabilities/resources-providers.yaml
  - type: NaftikoCapability
    url: capabilities/resources-test-accounts.yaml
  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
  - type: NaftikoCapability
    url: capabilities/oac-applications.yaml
  - type: NaftikoCapability
    url: capabilities/oac-companies.yaml
  - type: NaftikoCapability
    url: capabilities/oac-organisation-nodes.yaml
  - type: NaftikoCapability
    url: capabilities/oac-users.yaml
  - type: NaftikoCapability
    url: capabilities/oac-bank-accounts.yaml
  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
  - type: NaftikoCapability
    url: capabilities/transactions-transactions.yaml
  - type: NaftikoCapability
    url: capabilities/transactions-simulate.yaml
  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-productions2.s3.amazonaws.com/apis-json/apis-json-logo.jpg
access: 3rd-Party
common:
- 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: [email protected]
  X: apievangelist
  url: https://apievangelist.com
specificationVersion: '0.16'