Fintecture
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.
Solid contracts, transparent operations, and an easy start — typically complete on four or five facets with one clear soft spot.
API Evangelist profiles Fintecture the way a machine reads it — 106 machine-readable artifacts across 5 APIs, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.
Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — Fintecture scores 56.3/100 (strong), with a separate agent-readiness read of 22/100 (agent aware). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.
Kin Score
This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance. Every facet and dimension name is a link: it opens that measurement's page on APIs.io, where the rating runs across the whole catalog — the exact checks that feed it, how every profiled provider distributes on it, and who is at the top of it.
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
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How we profile Fintecture
Each block below is one kind of artifact we hold for Fintecture. For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.
APIs 22
Each API is captured as its own OpenAPI definition — every operation, parameter, and response. This is the single most useful machine-readable description of what an API does, and it's what lets us score, lint, mock, and generate against it without asking the provider for anything.
Individual APIs this provider publishes, each with its own machine-readable definition.
Fintecture Customers API
Register and manage merchant customers, attach their bank accounts, and run identity verifications. Persisted customer records pre-fill payment fields and accelerate repeat chec...
Fintecture OAuth and Tokens API
Issues access tokens via authorization_code and client_credentials grants. Distinct scopes for PIS, AIS, Customers, E-Mandates, and OAC (Organisation Access Credentials, beta). ...
Fintecture Transactions and Settlements API
Inspect transactions and settlements. Settlements represent outgoing disbursements from the merchant's Local Acquiring account to their own bank account. Sandbox includes a tran...
Fintecture Accounts API
Bank accounts, balances, and holders
Fintecture Applications API
The Applications API from Fintecture — 3 operation(s) for applications.
Fintecture Authentication API
PSU bank authentication
Fintecture Bank Accounts API
Customer bank accounts
Fintecture Companies API
The Companies API from Fintecture — 2 operation(s) for companies.
Fintecture E-Mandates API
Customer e-mandates
Fintecture Memberships API
The Memberships API from Fintecture — 2 operation(s) for memberships.
Fintecture Organisation Nodes API
The Organisation Nodes API from Fintecture — 4 operation(s) for organisation nodes.
Fintecture Payments API
Create and inspect payment sessions
Fintecture Payouts API
Verified payouts and request-for-payout
Fintecture Providers API
Bank providers / coverage
Fintecture Refunds API
Initiate immediate refunds
Fintecture Request To Pay API
Generate Fintecture payment links
Fintecture Sandbox API
The Sandbox API from Fintecture — 1 operation(s) for sandbox.
Fintecture Settlements API
Local Acquiring disbursements
Fintecture Test Accounts API
Sandbox test accounts
Fintecture Users API
The Users API from Fintecture — 2 operation(s) for users.
Fintecture Verification API
AIS-based identity verification
Fintecture Verifications API
Customer identity verifications
Scroll within the panel for all 22 ·
Postman Collections 8
A runnable collection turns the contract into something a developer can execute in seconds. We profile them because the fastest way to trust an API is to make a real call against it.
Ready-to-run Postman collections for exercising this provider's APIs.
Scroll within the panel for all 8 ·
Open Collections 28
Open, tool-agnostic collections carry the same runnable value as Postman without locking you to one client — the portable, forkable form of the same exercise.
Open, tool-agnostic API collections (OpenAPI-derived and Bruno).
API Collection
OPEN COLLECTIONFintecture Account Information Services Accounts API
OPEN COLLECTIONFintecture Account Information Services API
OPEN COLLECTIONFintecture E-Mandates API
OPEN COLLECTIONFintecture Organisation Access Credentials API
OPEN COLLECTIONFintecture Account Information Services Accounts OAuth API
OPEN COLLECTIONFintecture Account Information Services Accounts Payouts API
OPEN COLLECTIONFintecture Payment Initiation Services API
OPEN COLLECTIONFintecture Account Information Services Accounts Refunds API
OPEN COLLECTIONFintecture Resources API
OPEN COLLECTIONFintecture Account Information Services Accounts Sandbox API
OPEN COLLECTIONFintecture Account Information Services Accounts Users API
OPEN COLLECTIONScroll within the panel for all 28 ·
Arazzo Workflows 13
Real integrations are rarely a single call. Arazzo describes the multi-step sequences — auth, then create, then confirm — so both a human and an agent can follow the choreography, not just the endpoints.
Multi-step API workflows described with the Arazzo specification.
Fintecture Account Holders and Identity Verification
List a connection's accounts, read the first account's holders, then run an AIS identity verification.
ARAZZOFintecture Connect, List Accounts, and Pull Transactions
Open an AIS connect session, list the linked accounts, then pull one account's transactions.
ARAZZOFintecture Onboard Customer and Initiate Payment
Register a merchant customer, attach their bank account, then open a payment session for them.
ARAZZOFintecture Customer Verification with Polling
Register a customer, start an AIS identity verification, then poll until it resolves.
ARAZZOFintecture Decoupled Authentication then List Accounts
Authenticate a PSU with the decoupled (mobile-app) model, poll until approved, then list accounts.
ARAZZOFintecture List Providers and Initiate Payment
Discover supported bank providers, then open a payment session and inspect its status.
ARAZZOFintecture Refund a Completed Payment
Verify a payment is completed, issue a refund against it, then list the payment's refunds.
ARAZZOFintecture Create Payment and Poll Status
Open a payment session and poll its status until it settles, branching on the outcome.
ARAZZOFintecture Request To Pay and Track Status
Generate a payment link, find the resulting payment by status filter, then read its details.
ARAZZOFintecture Sandbox Test Payment
Pick a sandbox test account, open a payment session against its bank, then poll for completion.
ARAZZOFintecture Settlement Reconciliation
List settlements, read one settlement's detail, then pull merchant transactions to reconcile.
ARAZZOFintecture Mint Token then Initiate Payment
Mint a client-credentials access token, open a payment session, and read its status.
ARAZZOFintecture Update Payment Communication
Read a payment, patch its communication while it is still pending, then re-read to confirm.
ARAZZOScroll within the panel for all 13 ·
Pricing Plans 1
Pricing is part of the interface. Machine-readable plans tell you what a tier costs and includes before you commit — one of the things the Kin Score reads for access clarity — renamed from commercial clarity in rubric 0.12, because a free statutory interface has access terms and no commercial ones.
Published pricing tiers and plan structures.
Rate Limits 1
Rate limits are the difference between a demo that works and a production integration that doesn't fall over. Publishing them is an operational-transparency signal — and a hard requirement for any agent that plans its own throughput.
Documented rate limits and quota policies.
Fintecture Rate Limits
RATE LIMITSFinOps 1
Cost, billing, and metering signals let a buyer model the financial operations of an API before it's live. We profile them for the same reason we profile pricing: the money is part of the contract.
Cost, billing, and metering signals for API financial operations.
Fintecture Finops
FINOPSFeatures 21
The notable capabilities this provider advertises, captured as structured features so they can be searched and compared instead of read one landing page at a time.
Notable capabilities this provider offers.
Scroll within the panel for all 21 ·
Semantic Vocabularies 1
JSON-LD contexts give the data shared meaning across APIs. We profile them because semantics are what let a machine reconcile 'customer' here with 'customer' somewhere else.
JSON-LD contexts and semantic vocabularies used across these APIs.
Fintecture Context
JSON-LDSpectral Rules 2
Governance rulesets we run against this provider's specs — the automated checks behind parts of the score. Profiling them makes the quality bar explicit and re-runnable, not a matter of opinion.
Fintecture API Rules
SPECTRALFintecture API Rules
SPECTRALJSON Schema 2
Standalone JSON Schema definitions describe the data models behind the API. We profile them so the shapes are validatable on their own — useful long after a single request is forgotten.
Standalone JSON Schema definitions for this provider's data models.
Fintecture Bank Account
JSON SCHEMAFintecture Payment
JSON SCHEMAExamples 3
Real request and response payloads are what turn a spec from abstract into obvious — and they're one of the twelve things an agent needs to call an API correctly on the first try.
Example request and response payloads for these APIs.
Security Posture 2
Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Agentic Access 1
An x-agentic-access contract marks which operations are safe for an agent to run on its own and which need a human in the loop. It is the difference between an API an agent can use and one it can use safely.
Recommended x-agentic-access execution contracts for AI agents.
Resources
Every other property we hold for Fintecture — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.
Get Started 4
Portal, sign-up, and the first successful call
Documentation 6
Reference material describing how the API behaves
Agent Surfaces 1
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 13
Pagination, idempotency, versioning, errors, and events
Scroll within the panel for all 13 ·
Build 14
SDKs, sample code, and the tooling you integrate with
Scroll within the panel for all 14 ·
Access & Security 2
Authentication, authorization, and security posture
Operate 3
Status, limits, changes, and where to get help
Commercial 3
Pricing, plans, and the legal terms of use
Company 3
The organization behind the API
Other 3
Properties that don't map to a standard resource type
← All providers · Data indexed from github.com/api-evangelist/fintecture · machine-readable index on apis.io
This is an independent, third-party profile of Fintecture, published by API Evangelist. We do not operate, host, resell, or support these APIs, and we are not affiliated with or endorsed by the company unless stated above. Everything here is built from publicly available information — the company's own site, developer portal, documentation, public repositories, and the specifications it publishes for public use. Nothing is obtained by breaching a system, defeating an access control, or using credentials.
The Kin Score and Agent Readiness rating are independently calculated assessments of a company's public API artifacts, scored against a published rubric. They are not certifications, endorsements, security assessments, or audits.
Corrections, re-scores, and removal are free — no partnership or purchase required, and you do not need to justify the request. A removed company is recorded as unrated, never scored zero for having asked. Acknowledgement within one business day; removal within two.
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