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  • Paying by bank transfer has never been easier

    Fintecture is a payment institution supervised by the Banque de France and regulated by the ACPR under no. 17248.

    Our mission? To make payment by bank transfer simpler, faster and more secure.

    + Over 1,000,000 payers already use our transfer solutions

    A complete product offering

    Tailor-made solutions to meet your needs

    Our services are free and do not require you to create an account. They are aimed at both individuals and companies.

    I want to test your payment solutions

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    I want to pay my order

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    I want to credit my account

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    More secure solutions

    Safety:
    our priority!

    Fintecture is a French payment institution supervised by the Banque de France and the ACPR under N°17248. 

    Our payment platform complies with European regulations (DSP2 and DPS3) to guarantee secure payments and optimal protection of our users' data (RGPD, CNIL)

    Thanks to secure connections with over 3,000 French and European banks, we enable you to pay or be paid by bank transfer without entering an IBAN, for simpler, more secure account-to-account payments.

    Our accreditation as a payment institution and our firm commitment to fraud prevention mean that we have to keep a close eye on our customers' activities, which requires us to carry out a KYC (Know Your Customer) procedure to guarantee the legitimacy of their activity.

    How does it work?

    How do I pay with Fintecture?

    Find out how to pay simply by choosing one of our three transfer solutions here:

    Immediate transfer

    Quick and easy payment thanks to a secure connection to your bank account:

    Everything is pre-filled: the amount, the reference number and the merchant's IBAN. All you have to do is validate your transaction from your banking interface.

    • 01
      Select Immediate Transfer in the payment interface.
    • 02
      Choose your bank.
    • 03
      Log in to your bank with your usual login and password.
    • 04
      Confirm payment.

    The merchant receives immediate payment confirmation, enabling him to validate your order instantly*.

    No sensitive data is collected by Fintecture.

    * Depending on your bank's policy, the payment may temporarily remain in "pending" status.

    Bank transfer

    Payment by bank transfer with a dedicated IBAN :

    The merchant can identify your payment more easily and process your order more quickly.

    • 01
      Select Bank Transfer in the payment interface.
    • 02
      A unique and personalized IBAN is dedicated to you.
    • 03
      Add a new beneficiary, as for a standard transfer.
    • 04
      You can proceed to payment.

    You'll receive a summary by e-mail, and you'll be able to track the status of your payment in real time.

    Discover Smart Transfer

    How to receive payment

    How do I receive my payment with Fintecture?

    Step 1

    In the e-mail you receive, click on the "Finalize refund" button.

    Step 2

    Select your bank from the list, and you'll be redirected to your bank's web page or application.

    Log in with your usual login and password.

    Step 3

    Once you have logged in to your account, validate the authorization and Fintecture will process your refund.

    No sensitive data is collected.

    Are you expecting a Fintecture payment?

    Are you waiting for a refund or compensation (in the event of a dealer buying back your equipment)? 

    The merchant you are in contact with has used our services to make a simple and secure transfer:

    • All online (no need to visit a sales outlet)
    • You will receive the funds directly into your bank account (immediately or within 24 hours, depending on your bank).
    • No need to transmit your IBAN.

    Still haven't received the funds in your account?
    See our article for more information.

    FAQ

    Do you have a problem with your payment?

    Frequently asked questions :

    Is the link I received by e-mail or QR Code secure?

    Yes, the link you received to receive a refund or remuneration allows you to connect directly from your bank account and communicate your bank details to the merchant's bank in order to receive your refund. 

    In the e-mail you receive, on the Fintecture pages and on your secure banking area, you will find the reference number of the order concerned and the payment amount.

    How soon will I receive my transfer?

    Once you have validated the transaction in your banking area, you will receive the funds in your account within a few hours (when your bank is eligible to receive an instant transfer).

    I still haven't received the money in my account.

    Check each of your accounts for which you have access (joint account, child account, savings account, etc.).
    If, after 3 working days, you still haven't received the funds, contact our teams. To do so, go to the dialogue box at the bottom right of your screen.

    Go to FAQ

    They'll tell you better than we can

    What our users have to say

    I paid for my order at Leroy Merlin and the payment was super fast. Just a few clicks from my phone! Much simpler than the classic bank transfer

    It's so convenient to pay by bank transfer without having to enter your bank details.

    I didn't know it was possible to pay by bank transfer so easily. I was a bit surprised at first, but now I'm convinced because it's so convenient. I'd recommend it.

    A very quick refund, many thanks to the Auchan after-sales teams for this efficient refund method!