{
  "opencollection": "1.0.0",
  "info": {
    "name": "Fincra API",
    "version": "1.0"
  },
  "request": {
    "auth": {
      "type": "bearer",
      "token": "{{bearerToken}}"
    }
  },
  "items": [
    {
      "info": {
        "name": "Collections",
        "type": "folder"
      },
      "items": [
        {
          "info": {
            "name": "Initiate a charge",
            "type": "http"
          },
          "http": {
            "method": "POST",
            "url": "https://api.fincra.com/checkout/charges",
            "body": {
              "type": "json",
              "data": "{\n  \"amount\": 1000,\n  \"reference\": \"{{reference}}\",\n  \"currency\": \"NGN\",\n  \"type\": \"bank_transfer\",\n  \"customer\": {\n    \"name\": \"Jane Doe\",\n    \"email\": \"jane@example.com\"\n  }\n}"
            }
          },
          "docs": "Initiate a direct charge via card, bank transfer, mobile money, EFT, or pay-attitude."
        },
        {
          "info": {
            "name": "Authorize a charge",
            "type": "http"
          },
          "http": {
            "method": "POST",
            "url": "https://api.fincra.com/checkout/charges/authorize",
            "body": {
              "type": "json",
              "data": "{\n  \"reference\": \"{{reference}}\",\n  \"authorization\": { \"mode\": \"otp\", \"otp\": \"123456\" }\n}"
            }
          },
          "docs": "Authorize a previously initiated charge with an OTP or PIN."
        },
        {
          "info": {
            "name": "Get a charge by reference",
            "type": "http"
          },
          "http": {
            "method": "GET",
            "url": "https://api.fincra.com/checkout/charges/{{reference}}"
          },
          "docs": "Retrieve a charge by its reference."
        },
        {
          "info": {
            "name": "Verify a charge",
            "type": "http"
          },
          "http": {
            "method": "GET",
            "url": "https://api.fincra.com/checkout/charges/verify/{{reference}}"
          },
          "docs": "Verify the status of a charge."
        }
      ]
    },
    {
      "info": {
        "name": "Payouts",
        "type": "folder"
      },
      "items": [
        {
          "info": {
            "name": "Initiate a payout",
            "type": "http"
          },
          "http": {
            "method": "POST",
            "url": "https://api.fincra.com/disbursements/payouts",
            "body": {
              "type": "json",
              "data": "{\n  \"sourceCurrency\": \"NGN\",\n  \"destinationCurrency\": \"NGN\",\n  \"amount\": \"5000\",\n  \"business\": \"{{businessId}}\",\n  \"description\": \"Payout\",\n  \"customerReference\": \"{{reference}}\",\n  \"paymentDestination\": \"bank_account\",\n  \"beneficiary\": {\n    \"accountHolderName\": \"Jane Doe\",\n    \"type\": \"individual\",\n    \"accountNumber\": \"0123456789\",\n    \"bankCode\": \"058\"\n  }\n}"
            }
          },
          "docs": "Disburse funds to a bank account, mobile money wallet, or Fincra account."
        },
        {
          "info": {
            "name": "Get all payouts",
            "type": "http"
          },
          "http": {
            "method": "GET",
            "url": "https://api.fincra.com/disbursements/payouts"
          },
          "docs": "List all payouts for a business."
        },
        {
          "info": {
            "name": "Verify payout by transaction reference",
            "type": "http"
          },
          "http": {
            "method": "GET",
            "url": "https://api.fincra.com/disbursements/payouts/reference/{{transactionReference}}"
          },
          "docs": "Verify a payout status by its transaction reference."
        },
        {
          "info": {
            "name": "Verify payout by customer reference",
            "type": "http"
          },
          "http": {
            "method": "GET",
            "url": "https://api.fincra.com/disbursements/payouts/customer-reference/{{customerReference}}"
          },
          "docs": "Verify a payout status by your customer reference."
        }
      ]
    },
    {
      "info": {
        "name": "Quotes",
        "type": "folder"
      },
      "items": [
        {
          "info": {
            "name": "Generate a quote",
            "type": "http"
          },
          "http": {
            "method": "POST",
            "url": "https://api.fincra.com/quotes/generate",
            "body": {
              "type": "json",
              "data": "{\n  \"sourceCurrency\": \"USD\",\n  \"destinationCurrency\": \"NGN\",\n  \"amount\": \"100\",\n  \"action\": \"send\",\n  \"transactionType\": \"conversion\",\n  \"business\": \"{{businessId}}\",\n  \"paymentDestination\": \"bank_account\"\n}"
            }
          },
          "docs": "Generate a time-bound FX quote (valid ~30s for cross-currency)."
        }
      ]
    },
    {
      "info": {
        "name": "Conversions",
        "type": "folder"
      },
      "items": [
        {
          "info": {
            "name": "Initiate a currency conversion",
            "type": "http"
          },
          "http": {
            "method": "POST",
            "url": "https://api.fincra.com/conversions/initiate",
            "body": {
              "type": "json",
              "data": "{\n  \"business\": \"{{businessId}}\",\n  \"quoteReference\": \"{{quoteReference}}\",\n  \"customerReference\": \"{{reference}}\"\n}"
            }
          },
          "docs": "Convert balance between currencies using a quote reference."
        },
        {
          "info": {
            "name": "List all conversions",
            "type": "http"
          },
          "http": {
            "method": "GET",
            "url": "https://api.fincra.com/conversions"
          },
          "docs": "List all conversions for a business."
        },
        {
          "info": {
            "name": "Verify conversion status",
            "type": "http"
          },
          "http": {
            "method": "GET",
            "url": "https://api.fincra.com/conversions/{{reference}}"
          },
          "docs": "Verify the status of a conversion."
        }
      ]
    },
    {
      "info": {
        "name": "Beneficiaries",
        "type": "folder"
      },
      "items": [
        {
          "info": {
            "name": "Create a beneficiary",
            "type": "http"
          },
          "http": {
            "method": "POST",
            "url": "https://api.fincra.com/profile/beneficiaries/business/{{businessId}}",
            "body": {
              "type": "json",
              "data": "{\n  \"firstName\": \"Jane\",\n  \"accountHolderName\": \"Jane Doe\",\n  \"type\": \"individual\",\n  \"currency\": \"NGN\",\n  \"paymentDestination\": \"bank_account\",\n  \"destinationAddress\": \"0123456789\"\n}"
            }
          },
          "docs": "Create a reusable payout beneficiary for a business."
        },
        {
          "info": {
            "name": "List beneficiaries",
            "type": "http"
          },
          "http": {
            "method": "GET",
            "url": "https://api.fincra.com/profile/beneficiaries/business/{{businessId}}"
          },
          "docs": "List beneficiaries for a business."
        },
        {
          "info": {
            "name": "Fetch a beneficiary",
            "type": "http"
          },
          "http": {
            "method": "GET",
            "url": "https://api.fincra.com/profile/beneficiaries/business/{{businessId}}/{{beneficiaryId}}"
          },
          "docs": "Fetch a single beneficiary by id."
        },
        {
          "info": {
            "name": "Update a beneficiary",
            "type": "http"
          },
          "http": {
            "method": "PATCH",
            "url": "https://api.fincra.com/profile/beneficiaries/business/{{businessId}}/{{beneficiaryId}}",
            "body": {
              "type": "json",
              "data": "{\n  \"accountHolderName\": \"Jane A. Doe\"\n}"
            }
          },
          "docs": "Update an existing beneficiary."
        },
        {
          "info": {
            "name": "Delete a beneficiary",
            "type": "http"
          },
          "http": {
            "method": "DELETE",
            "url": "https://api.fincra.com/profile/beneficiaries/business/{{businessId}}/{{beneficiaryId}}"
          },
          "docs": "Delete a beneficiary."
        }
      ]
    },
    {
      "info": {
        "name": "Virtual Accounts",
        "type": "folder"
      },
      "items": [
        {
          "info": {
            "name": "Request a virtual account",
            "type": "http"
          },
          "http": {
            "method": "POST",
            "url": "https://api.fincra.com/profile/virtual-accounts/requests",
            "body": {
              "type": "json",
              "data": "{\n  \"currency\": \"NGN\",\n  \"accountType\": \"individual\",\n  \"business\": \"{{businessId}}\",\n  \"KYCInformation\": {\n    \"firstName\": \"Jane\",\n    \"lastName\": \"Doe\",\n    \"bvn\": \"12345678901\"\n  }\n}"
            }
          },
          "docs": "Request an NGN or foreign-currency virtual account for collections."
        },
        {
          "info": {
            "name": "List virtual accounts",
            "type": "http"
          },
          "http": {
            "method": "GET",
            "url": "https://api.fincra.com/profile/virtual-accounts/business"
          },
          "docs": "List virtual accounts for a business."
        },
        {
          "info": {
            "name": "Fetch virtual account information",
            "type": "http"
          },
          "http": {
            "method": "GET",
            "url": "https://api.fincra.com/profile/virtual-accounts/{{virtualAccountId}}"
          },
          "docs": "Fetch a virtual account by id."
        },
        {
          "info": {
            "name": "List payins into a virtual account",
            "type": "http"
          },
          "http": {
            "method": "GET",
            "url": "https://api.fincra.com/profile/virtual-accounts/{{virtualAccountId}}/payins"
          },
          "docs": "Retrieve inflows (deposits) made into a virtual account."
        }
      ]
    },
    {
      "info": {
        "name": "Banks & Account Resolution",
        "type": "folder"
      },
      "items": [
        {
          "info": {
            "name": "List banks",
            "type": "http"
          },
          "http": {
            "method": "GET",
            "url": "https://api.fincra.com/core/banks?currency=NGN&country=NG"
          },
          "docs": "List supported banks and mobile money providers."
        },
        {
          "info": {
            "name": "Resolve / verify account number",
            "type": "http"
          },
          "http": {
            "method": "POST",
            "url": "https://api.fincra.com/core/accounts/resolve",
            "body": {
              "type": "json",
              "data": "{\n  \"accountNumber\": \"0123456789\",\n  \"bankCode\": \"058\",\n  \"type\": \"nuban\"\n}"
            }
          },
          "docs": "Verify a bank account number and resolve the account holder name."
        }
      ]
    }
  ]
}