Fintecture
- Company typePrivate
- Founded2017
- HeadquartersSaint-mandé, France
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Fintecture does
Fintecture is a French payment institution, founded in 2017 and headquartered in Saint-Mandé, that operates a B2B account-to-account (A2A) payment platform built on Open Banking payment initiation services under PSD2/PSD3. Its product suite centers on three core rails — Virement Immédiat (instant transfer without IBAN entry), Virement Intelligent (auto-reconciled transfers via virtual dedicated IBANs), and Décaissement Vérifié (verified refunds/payouts) — supplemented by Request To Pay, Immediate Refund, Account Information, and a unified Payment Hub. The proprietary stack orchestrates instant and SEPA transfers, interprets bank API statuses, optimizes acceptance rates, and layers a customizable anti-fraud monitoring system on top of bank-level detection.
The platform serves approximately 7,000 businesses and over 2 million payeurs across 10+ European countries, processing €5+ billion in cumulative A2A payments as of June 2025. Customer concentration is in enterprise verticals where credit-card payment ceilings constrain high-value sales — large retail, automotive (Aramisauto, Easy Cash, Bricoman), home improvement (Leroy Merlin, Point.P, Rexel), employee benefits (Edenred, Pluxee), and betting (PMU) — together with a nonprofit donations channel via iRaiser (Restos du Coeur, UNICEF France, Croix-Rouge) and SMB self-serve onboarding for sub-€2M-revenue merchants.
Revenue is generated via transaction fees charged to merchants, while the service remains free for end-user payeurs. Distribution combines direct enterprise sales, a self-serve console and CMS/ERP plugins (PrestaShop, Magento, Shopify, WordPress, Odoo, Intershop, Oasis), and a partner ecosystem including VeriFone (POS), UGAP (public procurement), DataSolution (reseller), and white-label OEM arrangements. Fintecture is regulated by the ACPR under Payment Institution license 17248 and holds ORIAS registration 20008803; total funding raised is €32 million across a 2021 seed and a November 2022 Series A led by RTP Global with Eurazeo, Allianz Trade, and Société Générale participating.
Fintecture firmographics
Firmographics- Name
- Fintecture
- Legal name
- FINTECTURE SAS
- Website
- https://fintecture.com
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
Fintecture industry classification
Industry- Product category
- Payment Processing
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Nondepository Credit Intermediation (5222)
- SIC
- Functions Related To Depository Banking, Nec (6099)
- akta.pro primary industry
- Payment Initiation & Account-to-Account (A2A) Payments (PIS, RTP initiation) (FSAGACAI)
- akta.pro secondary industries
- Payouts, Disbursements & Mass Payments Infrastructure (FSAGABAN), Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB), A2A Fraud, Risk & Authentication (FSAMAFAI)
Keywords
Where Fintecture is headquartered
LocationHeadquarters
- HQ city
- Saint-mandé
- HQ country
- France
- HQ region
- Europe
Offices1 record
Markets served
Fintecture business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Transaction Fees (Merchant): Merchants pay transaction fees for each payment processed through the platform. The service is free for end-user payeurs (consumers/businesses making payments).
- API/SDK Integration Services: Technical integration services and support for merchants implementing the payment API or using pre-built CMS plugins.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | Free for payeurs (end users) |
| Transaction based/ take rate | Monthly | Merchant pricing - quote-based |
Go-to-market motion3 records
Distribution channels6 records
Marketing channels6 records
Fintecture product offering
Product offeringCore offering
Fintecture is an ACPR-licensed French payment institution (License #17248) that provides a B2B payment platform built on Open Banking and Payment Initiation Service (PIS) infrastructure. It enables merchants to collect instant and SEPA bank transfers via APIs, SDKs, and CMS plugins, with automated reconciliation, anti-fraud monitoring, instant refunds, and remote/disbursement capabilities across e-commerce, in-store, and remote sales channels.
Product overview
Fintecture is a French payment institution offering an integrated platform of bank transfer payment solutions. The core portfolio consists of three main products: Virement Immédiat (Immediate Transfer) for instant payments without IBAN entry via open banking, Virement Intelligent (Smart Transfer) for auto-reconciled payments using virtual IBANs, and Décaissement Vérifié (Verified Disbursement) for secure refund/disbursement operations. These are complemented by Request To Pay (payment links/QR/SMS), Immediate Refund, and Account Information services. The platform serves multiple sales contexts including e-commerce, in-store (QR codes), and remote sales, with vertical solutions for automobile and other sectors. All products leverage proprietary payment infrastructure integrated directly with European banks.
Differentiator
Problem solved
Functional benefit
Products and services
- Virement Immédiat (Immediate Transfer) Instant bank transfer payment solution using open banking that lets buyers pay without entering IBAN, with immediate payment confirmation to the merchant.
- Virement Intelligent (Smart Transfer) Automatically reconciled real-time bank transfer using a unique virtual dedicated IBAN to match incoming payments to orders in real time.
- Décaissement Vérifié (Verified Disbursement) Solution that lets merchants issue verified refunds and payouts from their payment account quickly and securely.
- Request To Pay Allows merchants to send payment requests via link, QR code, or SMS for remote transactions and invoice processing.
- Immediate Refund Enables instant refund processing to credit funds back to customer bank accounts quickly.
- Account Information Bank account information retrieval service enabling merchants to verify payer account details (IBAN, account holder name) for KYC and payment verification.
- Payment Hub Core orchestration platform that unifies payment initiation, reconciliation, refunds, and account information services under one infrastructure.
Quantifiable outcome
- Up to 30% of store revenue at some Bricoman locations attributable to bank transfer payment method
- +5 more outcomes
Companies that use Fintecture
Customer profileNamed customers23 records
Segments6 records
Ideal customer profiles4 records
Fintecture technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration8 records
Feature6 records
Fintecture partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core and secondary.
- iRaisercoreiRaiser, a leader in French and European online charitable donations, integrated Fintecture payment solutions. Enables nonprofits to collect larger donations with lower transaction fees compared to card payments.
- VeriFonesecondaryPoint-of-sale technology partner enabling Fintecture payment acceptance at physical retail locations through VeriFone payment terminals.
- UGAPsecondaryPublic procurement marketplace partnership enabling Fintecture payment solutions for French public sector entities.
- DataSolutionsecondaryTechnology partner and reseller distributing Fintecture payment solutions to their customer base.
Scale indicators8 records
Recent moves6 records
Expansion highlights5 records
Fintecture competitors and assessment
Company assessmentDirect peers
- TrueLayer: UK-based open banking A2A payment and data-aggregation network serving merchants across Europe with PIS and AIS APIs. Closest direct competitor to Fintecture, operating pan-European with similar merchant-facing developer integrations.
- Tink: Swedish open banking platform (owned by Visa) offering PIS, A2A payments, and account information services across Europe. Competes head-to-head with Fintecture on merchant payment-initiation rails.
- Trustly: European A2A payment network (now part of NordPay Group) enabling online bank payments at checkout for merchants and consumers. Highly comparable A2A merchant-focused proposition with broader geographic reach than Fintecture.
- Yapily: London-based open banking infrastructure provider offering payment initiation and account information APIs to merchants and fintechs across Europe. Direct competitor on the developer-led PIS layer.
- GoCardless: UK-based A2A direct-debit and instant payment network serving SMBs and enterprises globally. Overlaps with Fintecture on B2B recurring and one-off A2A collections, with stronger SMB footprint.
- Token.io: London open banking A2A payment provider focused on account-to-account pay-ins, payouts, and data services for merchants and banks. Direct competitor in European PIS orchestration.
Broad incumbents
- Plaid: US-headquartered open banking/data-aggregation platform expanding into European payments. Comparable PIS/AIS capabilities with much larger balance sheet and broader product portfolio beyond payments.
- Stripe: Global payment processor increasingly adding A2A and open banking methods (e.g., Stripe Financial Connections, Pay by Bank in Europe). Competes with Fintecture at the enterprise merchant layer via broader rails.
- Adyen: Global omnichannel payment processor serving large enterprises with unified card and alternative-payment-method processing, including selected open banking offerings. Comparable enterprise customer base and competitive pressure on pricing.
- Worldline: European payment processor with merchant acquiring and A2A offerings, including pay-by-bank. Comparable large-merchant customer base and PSD2 licensing footprint across the EEA where Fintecture operates.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Fintecture social profiles
Digital presenceFintecture compliance and trust
Trust signalCompliance5 records
Fintecture financial estimates
Financial estimateRevenue estimate
Valuation estimate
Fintecture leadership team
Management profileNumber of profiles
Profiles4 records
Fintecture subsidiaries and ownership
Company hierarchySubsidiaries1 record
Fintecture funding detail
Funding detailFunding overview
Funding rounds3 records
Investors7 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Fintecture M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Fintecture
What does Fintecture do?
Fintecture is an ACPR-licensed French payment institution (License #17248) that provides a B2B payment platform built on Open Banking and Payment Initiation Service (PIS) infrastructure. It enables merchants to collect instant and SEPA bank transfers via APIs, SDKs, and CMS plugins, with automated reconciliation, anti-fraud monitoring, instant refunds, and remote/disbursement capabilities across e-commerce, in-store, and remote sales channels.
Is Fintecture a public or private company?
Fintecture is a private company. It is classified as venture growth investor backed and is currently operating.
When was Fintecture founded?
Fintecture was founded in 2017. It employs 11 to 50 people.
Where is Fintecture based?
Fintecture is headquartered in Saint-mandé, France, in the Europe region.
How does Fintecture make money?
Two revenue lines are on record. Transaction Fees (Merchant) is the primary driver. The others are API/SDK Integration Services.
Who are Fintecture's main competitors?
Direct peers on record are TrueLayer, Tink, Trustly, Yapily, GoCardless and Token.io. Broad incumbents are Plaid, Stripe, Adyen and Worldline.
Does Fintecture have an API?
Yes. Fintecture offers a public API for developers to integrate payment solutions. The API supports immediate transfers, payment requests via link/QR/SMS, smart transfer reconciliation, immediate refunds, and account information retrieval. Developers can access comprehensive documentation at doc.fintecture.com and SDKs are available on GitHub. Developer documentation is at doc.fintecture.com.
What industry is Fintecture in?
Fintecture's product category is Payment Processing. Its primary akta.pro industry code is FSAGACAI, Payment Initiation & Account-to-Account (A2A) Payments (PIS, RTP initiation), with a secondary code of FSAGABAN, Payouts, Disbursements & Mass Payments Infrastructure. Its NAICS code is 522320 and its SIC code is 6099.