Skip to main content

Collect payments anywhere, anytime

Fincra has everything you need, from multicurrency accounts to no-code Pay-In options, for collecting payments across Africa and globally.

An all in one payment solution for businesses

Businesses of all sizes and types, from e-commerce platforms to travel and hospitality companies- use Fincra to process online and offline payments quickly and securely. 

Collect payments seamlessly with Fincra Pay-In

Improve customer experience and retention by allowing them to pay you using their preferred channel. Fincra Pay-In solution provides different payment methods from Payment Links, Virtual Accounts, POS terminal, a seamless checkout experience and more to your customers.

With Fincra, your customers can pay you via these channels:

  • Debit/Credit Cards
  • Bank Transfer
  • M-Pesa
  • Mobile Money
  • POS Terminal
  • PayAttitude

Collect payments with Multicurrency Virtual Accounts

Use our Multicurrency Accounts to accept payments for services, convert them to your local currency, and avoid excessive conversion fees. Fincra enables businesses such as logistics, consulting, SAAS, e-commerce, travel & hospitality, and others to collect payments in multiple currencies via Virtual Accounts without any hidden charges. 


Fast, easy-to-use and fully optimised Fincra Checkout

Whether you need to collect recurring subscription fees or sell one-time items, Fincra Checkout makes it easy to accept payments online. You can create payment links or integrate our checkout API to provide your customers with a better-converting checkout experience when they want to pay for a purchase.

With Fincra Checkout, your customers can pay you via:

  • Debit/Credit Cards
  • Bank Transfer
  • PayAttitude

Create link, share, and accept payments from anywhere

With no code required, you can create easy payment links, share the link with your customers wherever they are and collect payments online without a website. Customers can pay you via cards, bank transfers or PayAttitude. 

Selling online with Fincra Payment Link takes just these simple steps:

  • Sign up on Fincra
  • Create a link to sell a product or service. Links can be customizable and shared to as many customers as you wish
  • Share the link with your customers through different channels online
  • Receive funds into your Fincra balance as soon as payment is made

Reduce customer wait times for in-person transactions with Fincra POS Terminals

We provide access to point of sale (POS) terminals to businesses such as retail outlets, gas stations, and distributor touch points, allowing them to collect payments via cards or transfers.

Fincra POS terminal supports different transactions including:

  • Card withdrawals
  • Bank Transfers
  • VAS – Airtime Top-up, DSTV, Cable recharge, Electricity recharge
  • Pay with transfer
  • Wallet-to-Wallet transfer
  • Deposit (Fund wallet)

Send payments with Fincra Pay-out

We provide an easy way to make transfers to a beneficiary using our available payment method options while the beneficiary receives the payment via any of our available payment destination options.

With a single API integration or via the Fincra merchant dashboard, you can make transfers through different payment methods including: 

  • Bank Accounts Transfer
  • Mobile Money Transfer
  • Fincra Balance to Balance transfer
  • Cash pick-ups (Coming soon)
Designed for Developers

We’ve done the heavy lifting of connecting different banks, wallets, currencies, currency conversion services & payment methods, so you can connect your financial world with one API.

Our APIs give you access to all the resources you need to carry out seamless payment activities from your app, including creating and maintaining virtual accounts in available currencies, making payouts to different beneficiaries, and receiving payments across several channels and methods.

Featured APIs

Core Payment APIs

APIs to enable Pay-In and Pay-Outs locally and internationally

Terminal APIs

APIs and SDKs for powering point-of-sale solutions for in-person payments

Utility APIs

APIs for Airtime and Data, Bills and other Utility Payments

Conversions API

Converting one currency to another is quick, easy, and seamless using Fincra.

Why Fincra?

Fincra provides payment solutions to accept payments securely, make payouts globally and scale your business across borders.

Responsive Support

Fincra offers its merchants dedicated account managers ranging from technical to relationship managers

Easy Integration

One API for offline and online payments processing across 150+ countries

Licensed and Certified

Fincra is certified by the highest compliance standards across its operational countries and regions

Monitor Your Business

In-depth dashboards and analytics give visibility over every aspect of the payment experience

Continuous Improvement

We’ve done 100 integrations and counting, while we ship over 100 features & improvements yearly

Scalable and Reliable

Fincra's systems operate with 99.95% uptime and guarantee scalability as your business grows

Payment infrastructure for global scale

Millions of API Requests Monthly

Our infrastructure handles millions of API requests monthly

50+ Currencies

Fincra supports transactions in USD, EUR, GBP, KES, NGN, GHS and many more

99.95% Uptime

Service uptime since January 2022 with month on month consistency

40+ Countries

Get paid like a local with local payment channels in more than 40 countries