specification: API Commons Rate Limits
specificationVersion: '0.1'
schema: https://raw.githubusercontent.com/api-evangelist/interface-research/main/schema/api-commons.yml#/$defs/RateLimits
provider: Fincra
providerId: fincra
created: '2026-06-21'
modified: '2026-06-21'
reconciled: false
tags:
- Payments
- Cross-Border
- Collections
- Payouts
- FX
- Fintech
- Africa
- Rate Limiting
- Quotas
- Throttling
description: >-
  Fincra exposes a REST API authenticated with an api-key header plus a Bearer
  token. Fincra does not publish explicit numeric request-per-minute rate limits
  in its public developer documentation; throttling is enforced at the platform
  level and limits may vary by environment (sandbox vs production) and merchant
  agreement. Idempotency for payouts is handled via merchant-supplied
  customerReference values, and FX quotes are short-lived (valid ~30 seconds for
  cross-currency flows), which acts as an effective freshness constraint.
notes: >-
  Specific numeric throttling thresholds are not documented publicly. Confirm
  current limits and any per-endpoint quotas with Fincra support during
  reconciliation. Clients should treat HTTP 429 as throttled and back off.
sources:
- https://docs.fincra.com/docs/getting-started
- https://docs.fincra.com/reference/generate-quote
- https://www.fincra.com/payment-apis
responseCodes:
  throttled: 429
limits:
- name: Requests Per Minute (RPM)
  scope: account
  metric: requests
  limit: see provider documentation
  notes: No public numeric RPM published; platform-level throttling applies.
- name: Quote Validity Window
  scope: request
  metric: seconds
  limit: 30
  notes: Cross-currency conversion/payout quotes expire ~30 seconds after generation.
- name: Sandbox vs Production
  scope: environment
  metric: requests
  limit: varies
  notes: Sandbox (sandboxapi.fincra.com) limits may differ from production (api.fincra.com).
policies:
- name: Idempotency
  description: Payout and charge requests use merchant-supplied reference / customerReference to avoid duplicate processing.
- name: Backoff Strategy
  description: Clients should implement exponential backoff with jitter on HTTP 429 and retryable 5xx responses.
- name: Quote Freshness
  description: Regenerate FX quotes if the 30-second cross-currency validity window elapses before initiating the conversion or payout.
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com