# Provenance stamped 2026-10-07 (roadmap#943): written by an API Evangelist sweep (dated 2026-05-25 by the file itself), not
# harvested from the provider. `method: generated` so the economics campaign may replace it with a
# dated, verbatim transcription; every figure below is unverified until it does.
method: generated
generated: '2026-05-25'
name: Fintecture API Plans
specification: API Commons Plans
specificationVersion: '0.1'
schema: https://raw.githubusercontent.com/api-evangelist/interface-research/main/schema/api-commons.yml#/$defs/Plans
provider: Fintecture
providerId: fintecture
created: '2026-05-25'
modified: '2026-05-25'
reconciled: false
tags:
  - Open Banking
  - Payments
  - PSD2
description: >-
  Pricing for Fintecture's Open Banking payment products. Fintecture does not
  publish per-transaction unit prices on the open web; commercial terms are
  negotiated per merchant. Plans below reflect the productized surfaces
  publicly listed in the developer documentation and on fintecture.com/tarifs.
sources:
  - https://fintecture.com/tarifs
  - https://fintecture.com/
  - https://doc.fintecture.com/
plans:
  - id: fintecture-sandbox
    name: Sandbox
    type: free
    description: Free sandbox access for development and integration testing against the Demo Bank and provider sandboxes.
    entries:
      - label: Sandbox API access
        name: sandbox_access
        type: included
        metric: account
        limit: -1
        timeFrame: month
        geo: global
        price: '0'
  - id: fintecture-immediate-transfer
    name: Immediate Transfer
    type: usage-based
    description: Pay-by-bank Open Banking transfer initiation. Commercial pricing negotiated per merchant.
    entries:
      - label: Per successful payment
        name: immediate_transfer_fee
        type: metered
        metric: payment
        limit: -1
        timeFrame: usage
        geo: EEA
        unit: 1
        price: 'contact_sales'
  - id: fintecture-smart-transfer
    name: Smart Transfer
    type: usage-based
    description: Auto-reconciled transfers using merchant-allocated virtual unique IBANs. Pricing per merchant.
    entries:
      - label: Per successful smart transfer
        name: smart_transfer_fee
        type: metered
        metric: payment
        limit: -1
        timeFrame: usage
        geo: EEA
        unit: 1
        price: 'contact_sales'
  - id: fintecture-request-to-pay
    name: Request To Pay
    type: usage-based
    description: Payment link delivery (email, SMS, QR). Pricing per merchant.
    entries:
      - label: Per delivered request to pay
        name: request_to_pay_fee
        type: metered
        metric: link
        limit: -1
        timeFrame: usage
        geo: EEA
        unit: 1
        price: 'contact_sales'
  - id: fintecture-bnpl
    name: Buy Now Pay Later
    type: usage-based
    description: BNPL initiated via the Payment Hub. Pricing per merchant.
    entries:
      - label: Per BNPL transaction
        name: bnpl_fee
        type: metered
        metric: payment
        limit: -1
        timeFrame: usage
        geo: EEA
        unit: 1
        price: 'contact_sales'
  - id: fintecture-verified-payout
    name: Verified Payout
    type: usage-based
    description: Outbound payouts to verified bank accounts. Pricing per merchant.
    entries:
      - label: Per payout
        name: payout_fee
        type: metered
        metric: payout
        limit: -1
        timeFrame: usage
        geo: EEA
        unit: 1
        price: 'contact_sales'
  - id: fintecture-immediate-refund
    name: Immediate Refund
    type: usage-based
    description: Refund initiation against the original payment account or an alternative payout account.
    entries:
      - label: Per refund
        name: refund_fee
        type: metered
        metric: refund
        limit: -1
        timeFrame: usage
        geo: EEA
        unit: 1
        price: 'contact_sales'
  - id: fintecture-account-information
    name: Account Information
    type: usage-based
    description: AIS access (accounts, holders, balances, transactions, verification). Pricing per merchant.
    entries:
      - label: Per AIS connection
        name: ais_connection_fee
        type: metered
        metric: connection
        limit: -1
        timeFrame: usage
        geo: EEA
        unit: 1
        price: 'contact_sales'
  - id: fintecture-e-mandates
    name: E-Mandates
    type: usage-based
    description: SEPA-style e-mandates with RUM lifecycle. Pricing per merchant.
    entries:
      - label: Per mandate
        name: emandate_fee
        type: metered
        metric: mandate
        limit: -1
        timeFrame: usage
        geo: EEA
        unit: 1
        price: 'contact_sales'
x-canonical:
  generated: '2026-10-08'
  vocabulary: all/0-working/economics/plans-canonical.yml
  models:
  - free
  - metered
  units:
  - object
  - transaction
  plans:
  - name: Sandbox
    access: free
    model: free
    model_how: derived
    units:
    - object
    periods:
    - month
  - name: Immediate Transfer
    access: other
    model: metered
    model_how: stated
    units:
    - transaction
    periods:
    - per-use
  - name: Smart Transfer
    access: other
    model: metered
    model_how: stated
    units:
    - transaction
    periods:
    - per-use
  - name: Request To Pay
    access: other
    model: metered
    model_how: stated
    units:
    - other
    periods:
    - per-use
  - name: Buy Now Pay Later
    access: other
    model: metered
    model_how: stated
    units:
    - transaction
    periods:
    - per-use
  - name: Verified Payout
    access: other
    model: metered
    model_how: stated
    units:
    - other
    periods:
    - per-use
  - name: Immediate Refund
    access: other
    model: metered
    model_how: stated
    units:
    - other
    periods:
    - per-use
  - name: Account Information
    access: other
    model: metered
    model_how: stated
    units:
    - object
    periods:
    - per-use
  - name: E-Mandates
    access: other
    model: metered
    model_how: stated
    units:
    - other
    periods:
    - per-use