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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.

agent ready

Solid contracts, transparent operations, and an easy start — typically complete on four or five facets with one clear soft spot.

Kin Score

API Evangelist profiles Fintecture the way a machine reads it — 86 machine-readable artifacts across 22 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 68.6/100 (strong), with a separate agent-readiness read of 48/100 (agent ready). 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.

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 68.6/100 · strong
Contract Quality 16.9 / 25
Developer Ergonomics 14.3 / 20
Commercial Clarity 14.2 / 20
Operational Transparency 8.9 / 13
Governance 8.8 / 12
Discoverability 8.0 / 10
Regulatory · Banking & Open Finance 8.1 / 15
Agent readiness — 48/100 · agent ready
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3

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 8

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).

Scroll within the panel for all 8 ·

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.

ARAZZO

Fintecture Connect, List Accounts, and Pull Transactions

Open an AIS connect session, list the linked accounts, then pull one account's transactions.

ARAZZO

Fintecture Onboard Customer and Initiate Payment

Register a merchant customer, attach their bank account, then open a payment session for them.

ARAZZO

Fintecture Customer Verification with Polling

Register a customer, start an AIS identity verification, then poll until it resolves.

ARAZZO

Fintecture Decoupled Authentication then List Accounts

Authenticate a PSU with the decoupled (mobile-app) model, poll until approved, then list accounts.

ARAZZO

Fintecture List Providers and Initiate Payment

Discover supported bank providers, then open a payment session and inspect its status.

ARAZZO

Fintecture Refund a Completed Payment

Verify a payment is completed, issue a refund against it, then list the payment's refunds.

ARAZZO

Fintecture Create Payment and Poll Status

Open a payment session and poll its status until it settles, branching on the outcome.

ARAZZO

Fintecture Request To Pay and Track Status

Generate a payment link, find the resulting payment by status filter, then read its details.

ARAZZO

Fintecture Sandbox Test Payment

Pick a sandbox test account, open a payment session against its bank, then poll for completion.

ARAZZO

Fintecture Settlement Reconciliation

List settlements, read one settlement's detail, then pull merchant transactions to reconcile.

ARAZZO

Fintecture Mint Token then Initiate Payment

Mint a client-credentials access token, open a payment session, and read its status.

ARAZZO

Fintecture Update Payment Communication

Read a payment, patch its communication while it is still pending, then re-read to confirm.

ARAZZO

Scroll 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 six things the Kin Score reads for commercial clarity.

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

4 limits

RATE LIMITS

FinOps 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.

Features 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.

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

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

0 classes · 7 properties

JSON-LD

Spectral 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

5 rules · 4 warnings

SPECTRAL

Fintecture API Rules

7 rules · 3 errors · 4 warnings

SPECTRAL

JSON 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

7 properties

JSON SCHEMA

Fintecture Payment

6 properties

JSON SCHEMA

Examples 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.

Fintecture Authentication

http · 1 scheme

SECURITY

Fintecture Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

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.

Fintecture Agentic Access

69 operations · 33 acting

69 operations · 33 acting

AGENTIC

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

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

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 2

The organization behind the API

Other 2

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