Collect from the EU Seamlessly with Open Banking EFT Payment link

Your EU clients are ready to pay. Don’t let legacy infrastructure be the bottleneck. Collect EUR instantly using our Open Banking EFT Collection suite powered by Volt.

Fincra’s Open Banking EFT Collection allows African businesses, global PSPs, and freelancers to accept payments directly from customers’ bank accounts in the European Union and the United Kingdom.

We are trusted by these global businesses and more

Checkout Payment Links (No-Code)

Ideal for freelancers, agencies, and African B2B service exporters. Collect from your EU clients without touching a single line of code. Generate a Fincra-hosted payment link directly from your merchant dashboard and share it via email, WhatsApp, or invoice.

Zero Integration

Create a link in seconds.

Flexibility

Leave the amount open or fix the amount and currency.

Share Anywhere

Reach your customers wherever they are.

Direct Charge API (Developer Integration)

Ideal for global PSPs, e-commerce platforms, and large enterprises. Embed the Open Banking collection flow directly into your own application or platform.

White-Label Experience

The Fincra checkout page remains invisible; your customers stay on your platform.

Total Control

Design your own UI while we handle the heavy lifting on the backend.

Scalability

Perfect for high-volume corporate merchants.

The Customer Payment Flow

However you integrate, your customers enjoy a simple, secure 6-step payment experience:

Link Generation: You create a checkout link or trigger the API with a fixed amount/currency.
Delivery: The customer receives the checkout prompt.
Country Selection: The customer selects their country (EU).
Bank Selection: The customer chooses their preferred local bank from the available options.
QR Scan & Authorisation: The customer scans the on-screen QR code using their mobile banking app and authorises the payment.
Instant Settlement: The payment credits to your Fincra FCY balance instantly.

Learn more about Fincra EUR Payment Link

Security and Compliance Focus

Fincra operates with the highest level of security and compliance required of a payments infrastructure.

PCI DSS Level 1

Fincra is PCI DSS certified

PSSP Certified

Fincra is a licensed Payment Service Solution Provider

NDPR Certified

We abide strictly to the Nigerian Data Protection Regulation

KYC and AML

Seamless Know Your Customer and AML checks

MSB Canada

Fincra is is a licensed Money Service Business in Canada

MFB Nigeria

Fincra was issued its Microfinance Bank license in Nigeria

ISO 27001 and 22301

We are ISO certified for 27001 and ISO 22301

EMI License

Agents of EMIs in UK & all of EU