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: info@apievangelist.com X: apievangelist url: https://apievangelist.com specificationVersion: '0.16'