Generate additional sales with Immediate Transfer
Individual and professional payers
Cash / due date
Inflows / Outflows
All sales channels
+ Over 2,000,000 payers already use our transfer solutions
How does it work?
Collect payments in record timeYour customer chooses payment with Fintecture
Selects "Immediate transfer" in the payment interface
All your customer has to do is select his bank (payment without IBAN entry).
He is automatically redirected to his bank account, logs in and confirms his transfer.
Immediate payment confirmation
Read more
Open Banking to enhance the shopping experiencePayment initiation:
the simplified credit transfer!
As a payment institution, we have developed our own Open Banking payment infrastructure (without intermediaries) to guarantee a smooth and secure payment process.
Our Immediate Transfer is based on payment initiation (PIS), enabled by the European Payment Services Directive (PSD2), and enables you to orchestrate an account-to-account transfer, without having to enter a beneficiary and IBAN beforehand.
Paying by bank transfer is just as easy as paying by card!
Banking expertise at the service of merchants
Our Virement Immédiat incorporates several years of R&D and reflects our in-depth knowledge of both banking IT systems and the processing habits of each bank. We offer you our ability to :
- Prefer instant transfers when they are free and available to your customers (rules are still restrictive in some banks).
- Execute payment by standard SEPA credit transfer when preferable
- Send you payment confirmation in real time, via a clear business status, whatever the transfer method (INST/SEPA).
Fintecture benefits from a secure connection to over 3,000 banking APIs in France and Europe.
For all your sales contexts
A solution for all your sales channels
E-commerce
Optimize your conversion rate with an efficient payment method in your check-out.
In store
Offer your customers the option of paying by bank transfer in just a few seconds, directly on the shelf.
Remote
Simplify the collection of your quotes and invoices by integrating payment links.
Solutions for everyone
Benefits for you and your customersFor you
A lever for generating additional sales
- The ideal means of payment for cashing in high shopping baskets and securing strategic purchases
- Irrevocable payment
- More competitive costs than traditional payment methods
- An omnichannel solution that covers all use cases: e-commerce, physical points of sale, remote order-taking, etc.
For your customers
All the benefits of money transfer with a seamless experience
The ideal means of payment for cashing in high shopping baskets and securing strategic purchases
Ceilings up to 30 times higher than bank cards
A seamless, secure customer experience, similar to an online credit card payment
Over 3,000 integrated banks
Promising results
Unleash your sales+0%
A growing basket
+20% is the average increase in the value of our customers' average shopping baskets.
0%
An increase in conversion
"30% of payments correspond to high amounts that would have been rejected as CB payments." Bricoman
0/10
A growing basket
More than 7 out of 10 payments are made by payers who have already paid with Fintecture.
Further information
How to maximize conversion
To optimize your conversion rate, also activate Smart Transfer.
Complementary to the Immediate Transfer, it offers the same payment experience as the classic SEPA credit transfer, while automating your reconciliation.
An ideal solution for :
They'll tell you better than we can
Find out how our customers use our solutions
Edenred optimizes the purchasing experience for its customers thanks to immediate transfers.
Read the case study
Optimize your company's payment efficiency
Use Fintecture to optimize your collection process, increase payment acceptance, prevent fraud and grow your business.
Twice a month, take part in our product webinars to find out more about our payment solutions. You can also contact our teams directly for integration advice to see the added value of Fintecture more quickly.