Fintecture, the bank transfer payment solution


Building the future
of payment!

Fintecture is a French payment institution that is reinventing payment by bank transfer. Our mission? To enable companies to free up their sales with smooth, fast and secure payments, whatever the purchasing context.

Our certifications

Fintech of the year 2023

This award, presented by AGEFI, France's leading media publication for finance professionals, is a testament to the confidence of the sector and the value of our innovative solutions!

Hybrid and Happy Index at Work 2022

One of our core values is to enable our employees to organize their work autonomously! Our approach to hybrid work has been recognized by the "Entreprise HybridWorkIndex" and "HappyatWork" labels from ChooseMyCompany.

Our key figures


commercial launch


million euros raised

800 000




Our history

PSD1 and 2 (European Payment Services Directives) pave the way for Open Banking. An opportunity to innovate and take advantage of technology to build secure, more fluid payment solutions. At the same time, traditional payment methods such as credit card, bank transfer or cheque have limitations that hamper sales, induce asynchronous decisions and generate time-consuming tasks (limited ceilings, limited visibility on receipt of funds, manual reconciliations, processing costs, delayed deliveries...).

The Fintecture project was born. To transform the traditional credit transfer, which is deeply rooted in high-value purchases and at the heart of B2B transactions, and yet has never been modernized! 

After more than 2 years of R&D, Fintecture is activating its first "open banking" transfers in 2020. Based on Payment Initiation Service (PIS), the Immediate Transfer automates an account-to-account payment as seamlessly as a card payment, while eliminating ceiling limits and technical intermediaries.  

Fintecture quickly won over key players in their sector: Edenred, Leroy Merlin, Auchan, Bricoman, Société Générale, Allianz Trade... The international roots of these customers guided deployment in several European countries and in different purchasing contexts, whether in e-commerce, in-store or in order-to-cash cycles. 

He has also developed an in-depth understanding of the complex use cases involved in inter-company exchanges, and the need to develop appropriate B2B solutions. In addition to Virement Immédiat, based on open banking, these include Virement Intelligent and Buy now Pay Later, transposing Fintecture's technological know-how into complementary offers.

Fintecture convinces leading investors and raises €32 million. The team expands to include talent based all over Europe, half of it in R&D.  

Today, Fintecture is the fintech recording the vast majority of payment initiation volumes in France, and is aiming for a 5-fold increase in monthly transactions by 2023, across its entire product range.

Our beliefs

At Fintecture, we believe that payment is more than just a financial flow: it's at the heart of a value chain, and a determining factor in customer satisfaction, commercial efficiency and internal productivity, and therefore growth!

Open banking has introduced unprecedented technical capabilities for accessing banking information and orchestrating payments. However, this technology does not meet merchants' needs unless it is surrounded by additional services to transmit clear payment statuses, manage refunds, integrate with business tools and guarantee secure transactions. 

That's why we invest daily in our products and carefully study each use case, to adapt to the realities on the ground and deliver on the promise of payment for additional revenue for our customers.

Our differentiation: going far beyond
Open Banking

On-board technology

Fintecture owns its payment infrastructure and operates without intermediaries. The result? 

Fighting fraud: a priority!

We place fraud at the heart of our concerns:

The safety of our operations

As a payment institution, we attach particular importance to security.

  • In-depth knowledge of banks' APIs and transactional systems
  • A complex algorithm to orchestrate instant and SEPA credit transfers and guarantee both optimum acceptance rates and perfect reconciliation
  • Ultimate customization based on our customers' business rules
  • In our day-to-day operations, our monitoring systems complement the banks' systems.
  • In our products, with tailor-made settings to strike the right balance between conversion and blocking suspicious transactions
  • In our participation in key anti-fraud bodies and regulatory developments in payments in France and Europe
  • Fintecture is a payment institution regulated by the ACPR (Banque de France) and is licensed to process and acquire funds on behalf of merchants.
  • We pay particular attention to the robustness of our infrastructure
  • We host our data in Europe, in data centers with low CO2 emissions.

Join us!

We're looking for the best talent, capable of innovating and understanding the challenges of a rapidly changing payment industry. Autonomy, creativity, curiosity, the ability to roll up your sleeves and make a real impact are our watchwords. Are you interested?