specification: API Commons Plans
specificationVersion: '0.1'
schema: https://raw.githubusercontent.com/api-evangelist/interface-research/main/schema/api-commons.yml#/$defs/Plans
provider: Fincra
providerId: fincra
created: '2026-06-21'
modified: '2026-06-21'
reconciled: false
tags:
- Payments
- Cross-Border
- Collections
- Payouts
- FX
- Fintech
- Africa
- Plans
description: >-
  Fincra uses a usage-based, per-transaction pricing model rather than fixed
  monthly subscription tiers. Collections (virtual account inflows and direct
  charges), payouts/disbursements, and conversions are each priced per
  transaction, typically as a percentage and/or a flat fee that varies by
  currency, payment method, corridor, and merchant agreement. FX conversions
  are priced via a time-bound quoted rate (with an embedded spread). Specific
  per-transaction rates are negotiated/commercial and are not publicly
  reconciled in this artifact.
notes: >-
  Per-transaction fees are not fully published and vary by corridor, currency,
  payment method, and negotiated merchant agreement. Confirm current rates with
  Fincra sales or the merchant dashboard during reconciliation. Values below are
  structural placeholders, not quoted prices.
sources:
- https://www.fincra.com/payment-apis
- https://docs.fincra.com/docs/getting-started
- https://www.fincra.com/pricing
plans:
- id: fincra-usage
  name: Pay-as-you-go (Per Transaction)
  type: usage
  description: >-
    Per-transaction pricing across collections, payouts, and conversions with
    no fixed monthly subscription. Fees vary by currency, method, and corridor.
  entries:
  - label: Collections (Virtual Account Inflows)
    name: collections_virtual_account
    type: usage
    metric: transactions
    limit: -1
    timeFrame: month
    geo: global
    unit: 1
    price: per-transaction fee (percentage and/or flat; varies by currency) - contact Fincra
    userMultiplied: false
  - label: Collections (Direct Charge)
    name: collections_charge
    type: usage
    metric: transactions
    limit: -1
    timeFrame: month
    geo: global
    unit: 1
    price: per-transaction fee by payment method (card / bank transfer / mobile money / EFT) - contact Fincra
    userMultiplied: false
  - label: Payouts / Disbursements
    name: payouts
    type: usage
    metric: transactions
    limit: -1
    timeFrame: month
    geo: global
    unit: 1
    price: per-payout fee (varies by destination currency and corridor) - contact Fincra
    userMultiplied: false
  - label: FX Conversions
    name: conversions
    type: usage
    metric: transactions
    limit: -1
    timeFrame: month
    geo: global
    unit: 1
    price: quoted FX rate with embedded spread (quote valid ~30s for cross-currency)
    userMultiplied: false
  elements:
  - name: Collections
  - name: Payouts / Disbursements
  - name: Conversions / FX
  - name: Virtual Accounts
  - name: Beneficiaries
  - name: Quotes
- id: fincra-enterprise
  name: Enterprise / Custom
  type: enterprise
  description: >-
    Negotiated commercial agreement for higher volumes, custom corridors,
    dedicated support, and tailored per-transaction pricing. Contact Fincra.
  entries:
  - label: Enterprise Agreement
    name: enterprise
    type: flat
    metric: contract
    limit: -1
    timeFrame: year
    geo: global
    unit: 1
    price: contact sales
    userMultiplied: false
  elements:
  - name: Custom Volume Pricing
  - name: Dedicated Support
  - name: Custom Corridors
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com