Fintecture, the instant transfer payment solution



Thanks to the immediate transfer, Cadeau Maestro increases its average basket by 20%.







Created 13 years ago, Maestro Gift is a pure player in e-commerce specializing in original and personalized gifts for companies and individuals. With a catalog of 3,000 items, Cadeau Maestro is a key player in the online gift market in France. Thanks to an ultra-fast production system, the products are delivered to customers in record time. Among its "best sellers": the EcoCube (wooden cube with seeds), the "director" chair, or the mug. 

Challenge: Modernize the payment process to adapt to new customer needs

For Sylvain Bruyère, CEO of Cadeau Maestro, it had become essential to : "find payment methods designed for 25/30 year olds. This generation no longer wants to pay by credit card, check or traditional transfer, which takes too long." Cadeau Maestro needed a very customer-oriented payment solution that was both innovative and modern. 

The time it takes for the teams to manage orders and limit processing errors were also areas for improvement for the pure player. Indeed, processing payments made by card or traditional bank transfer systematically involves a manual part during the accounting reconciliation, when payments are received. This phase is time-consuming and potentially a source of human error, with an impact on order processing time and customer loyalty. For Cadeau Maestro, fast order processing is a pillar of its commercial promise.

The immediate transfer Fintecture answers all these issues.

We had to find payment methods designed for 25/30 year olds. This generation no longer wants to pay by credit card, check, or traditional wire transfer that takes too long."

Sylvain Bruyère, CEO of Cadeau Maestro

Solution: A fast and fluid payment method for a frictionless checkout

For a year and a half now, Fintecture's immediate transfer has allowed Cadeau Maestro to offer its customers an innovative and very intuitive payment experience. 

The immediate transfer allows payers to:

  • Pay for their purchases by circumventing CB payment limits;
  • Enjoy an optimal user experience during payment;
  • Have a high level of security, as no transfer of bank details is required. 

... and to Maestro Gift of :

  • Reduce order processing time;
  • Develop your sales;
  • Streamline and secure its internal processes;
  • Build customer loyalty.

The Fintecture immediate transfer is very simple to use: the payer is redirected to his banking application where he only has to validate his transaction. The immediate transfer is irrevocable and the payment authorization from the payer's bank is immediate, allowing Cadeau Maestro to send orders instantly to its customers.

To give its customers even more flexibility, Cadeau Maestro also offers the payment by linkThis is a real alternative to online payment and is particularly useful in the event of a technical problem when paying by bank transfer or credit card. It also allows the merchant to fluidify and simplify remote payments thanks to an invoice link sent by email or SMS to its customers.

"The integration of the payment solution into our Prestashop CMS was very simple, with no friction or impact on our front end. The responsiveness of Fintecture's CS team was decisive, especially in the integration of the bank names in the dedicated tab."

Sylvain Bruyère, CEO of Cadeau Maestro

Result: Average baskets that fly away!

The Fintecture immediate transfer has allowed Cadeau Maestro to increase its average basket to 56 euros (compared to 46 euros by bank card). 

  • 20% increase in the average shopping basket with the immediate transfer
  • 1 hour saved/day by the accounting and service departments in order processing

In addition to saving a considerable amount of time, bank reconciliation is much simpler with the immediate transfer compared to payment by credit card. With the immediate transfer, one transfer equals one order: the amount received by Cadeau Maestro corresponds to the amount paid by the customer, without any difference related to a commission deduction compared to a credit card payment. The immediate transfer also reduces the risk of human error:

  • Cadeau Maestro's teams do not have to match the IBANs of their customers with the orders when receiving payments because the immediate transfer is done without the IBAN being entered by the payers;
  • Customers no longer have to enter a supplier's RIB.


average basket increase rate with immediate transfer

To summarize the benefits of Fintecture overlay:

  • Limitation of human errors: simple reconciliation, no need to enter the customer's IBAN when the payment is received;
  • Streamlining of internal processes;
  • Faster order processing.

"The integration of the payment solution into our Prestashop CMS was very simple, without friction or impact on our front-end," says Sylvain Bruyère, before continuing, " The responsiveness of the Fintecture CS team was decisive, especially in integrating the names of the banks in the dedicated tab

"Our customers will continue to become familiar with the immediate transfer. The fact that it is free, its capacity to be a real alternative to the bank card and its level of security will allow its use to become widespread in the future" he concludes.


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