Fintecture, the bank transfer payment solution


Better conversion

30% of payments made with Fintecture were previously rejected by CB
- Bricoman

An average shopping basket on the rise

273% increase in average basket value compared with conventional bank transfers and credit cards
- Racetools

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.

payers already use our transfer solutions

Use our money transfer solutions to pay or be reimbursed with ease

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

I want to pay with Fintecture

Would you like to test our payment solutions for the first time?

Support an association of your choice by making a donation of the amount you wish. Explore the Fintecture payment experience while contributing to a good cause.

I want to pay my order

Pay with our money transfer solutions at numerous merchants (online, in-store or remotely).

Would you like to know how to pay with one of our solutions, or do you have a problem with your payment? 

I want to credit my account

Receive a transfer quickly and securely as part of a repayment or redemption.

Would you like to have your money refunded or your bank account credited with one of our solutions, or do you have a problem with your transaction? 

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 optimum 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 do I pay with Fintecture?

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

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.

  1. Select immediate transfer in the payment interface.
  2. Choose your bank.
  3. Log in to your bank with your usual login and password.
  4. Confirm payment.

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

No sensitive data is collected by Fintecture.

> View video.

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

Payment by bank transfer with a dedicated IBAN :

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

  1. Select bank transfer in the payment interface.
  2. A unique and personalized IBAN is dedicated to you.
  3. Add a new beneficiary, as for a standard transfer.
  4. 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.

Buy now and pay later, free of charge.
Preserve your cash flow and benefit from real-time payment terms of 30, 45 or 60 days for all your business purchases, through a seamless, 100% automated process.
  1. From your supplier's payment page, click on "Pay in 30 days, free of charge".
  2. Enter your SIRET: you'll know instantly if you're eligible for 30-day payment.
  3. Verify your identity securely: log in to your banking area with your usual login and password for instant verification. OR make a transfer of 0.1 cts. Your identity will be verified on receipt of funds.
  4. Once your identity has been confirmed, your 30-day payment is validated and your order is automatically processed by the merchant.
  5. That's it! You will be debited on D+30.

Do you have a problem with your payment?

Read our FAQs or contact our teams (Monday to Friday) via the chat available at the bottom right of the page.

How do I receive my payment with Fintecture?

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

Select your bank from the list, and you'll be redirected to your bank's web page or application. Log in using your usual login and password.

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:

  • Everything happens 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?
Visit our article for more information.

Do you have a problem with your payment?

Read our FAQs or contact our teams (Monday to Friday) via the chat available at the bottom right of the page.

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 to 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 quickly 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, children's account, savings account, etc.). 

However, if after 3 working days you still have not received the funds, please contact our teams. To do so, go to the dialogue box at the bottom right of your screen. 

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 easier than the classic bank transfer."

"It's so convenient to pay by bank transfer without having to enter the RIB."

"I didn't know it was possible to pay by bank transfer so easily. A little surprised at first but convinced because very convenient. I recommend it."

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