Fintecture, the instant transfer payment solution



Immediate transfer boosts Racetools' average basket by 273%!







Racetools is an e-commerce pure player specialized in power tools (drills, accessories, screwdrivers, tools, textiles...) for small craftsmen and founded in 2011. Since then, the pure player has grown significantly and its ambition is now to become the connected warehouse for craftsmen, carpenters, plumbers, tilers, electricians... who come to look for the best price for their daily tools. 

Challenge: To offer a payment solution adapted to the needs of professionals

Before using the Fintecture payment solution, Racetools offered its customers payment by credit card, by instalments and by traditional bank transfer.

Racetools was confronted with two major problems: the delays in sending orders and the difficulties related to bank reconciliation.

For Julien Boue, CEO of Racetools: "First of all,it was essential to make the authentication process, which was slowing down orders made by credit card, more fluid and simpler. The 3D Secure security system was in fact the cause of human errors during manual handling and abandoned transactions during payment by CB.

In addition, the pure player wanted a solution that would facilitate reconciliation: with traditional bank transfers or credit cards, reconciling an order with a payment could take several days! Racetools' customers had to integrate a supplier's RIB into their banking application before paying and Racetools' accounting department then had to associate each RIB with an order. Julien explains: "We only launch the orders from the warehouses once the reconciliation has been completed. If it is done late, it can happen that in the meantime we no longer have the goods in stock for delivery." The impact of this type of situation on customer satisfaction is strong.

It became essential for Racetools to find a modern payment solution that would meet these two strong challenges: the immediate transfer.

"Since we have been using Fintecture Immediate Transfer we are saving a considerable amount of time in processing orders and automating our processes related to their management."

Julien Boué, CEO @Racetools

Solution: Immediate transfer speeds up and simplifies order management

Racetools integrated Fintecture instant transfer into its Prestashop CMS in March 2022 to provide a fast, smooth and secure checkout that meets the requirements of its business customers.

The advantages of the immediate transfer for Racetools :

  • Increase of the average basket
  • Non-recallable payment
  • Acceleration of the payment and delivery process
  • Facilitation of the work of the teams without bank reconciliation
  • Better cash flow due to faster availability of funds
  • Streamlining of internal processes.

The advantages of the immediate transfer for the craftsmen customers :

  • Circumventing credit card payment limits;
  • Faster and easier ordering without creating a supplier RIB;

Ultra intuitive user experience.


When a Racetools client uses the Fintecture immediate transfer, he is redirected to his banking application to validate the transaction. The operation is secure, with no transfer of bank details. The immediate transfer has no ceiling and thepayment authorization from the payer's bank is immediate: this allows Racetools to send orders instantly, without ever having to block orders. 

"Without Fintecture, we would certainly not have had access to certain orders over such a large amount" notes Julien before concluding: "The security of the payment system is also a key element of our customers' trust".

Julien Boué, CEO @Racetools

Result: A tailored payment experience for exploding orders

"Since we have been using Fintecture's immediate transfer, we have saved a considerable amount of time in processing orders and we have automated our processes related to their management," summarizes Julien. 


average basket increase rate with immediate transfer

The immediate transfer has also allowed the website to reach unprecedented order amounts: 5,000 to 10,000 euros compared to 2,000 to 3,000 euros with traditional payment methods: "We even processed an order of 23,000 euros thanks to the immediate transfer!

  • 273% increase in the average basket compared to payment by credit card or traditional transfer.

"Without Fintecture, we would certainly not have had access to certain orders over such alarge amount" notes Julien before concluding: "The security of the payment system is also a key element of our customers' trust".


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