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We built the infrastructure, so you don’t have to

Multiple ways to interact with our Pay-In product

  • Payment Links: Create customisable payment links that can be shared to initiate a payment.
  • Virtual Accounts: For getting paid in all Fincra supported currencies
  • Direct API: A direct API to build fully customised payment experience
  • Checkout: Fincra’s Checkout flow dynamically adapts to your user interface, customer’s device and location to increase conversion and optimise customer experience.

Security and Compliance Focus

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


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

Fincra’s Pay-In Stack
Ways to Pay
  • Checkout Standard
  • Checkout Redirect
  • Direct API
  • Payment Links
  • In-Person
Settlement Operations
  • Fraud & Dispute
  • 3D Secure
  • Refunds Management
  • Transaction Reports
  • Conversions (For managing settlement currency)
  • Settlement Reports with advanced filter options & CSV exports
  • Manage settlement account & destination
Payment Channels
  • Virtual Accounts
  • Cards
  • Mobile Money
  • Bank Transfers
  • Wallets
Business Operations
  • Fincra Portal
  • Roles & Permissions
  • Account Security
  • Identity Verification


Starts at

1% capped at ₦1,000

dependent on the Pay-In channel

The complete payment solution


For quick and seamless payment collection via cards, bank transfers etc., from individuals or businesses in the UK, EU, US, Nigeria and other African countries.


Easy payouts to beneficiaries across 100+ countries through any of the available payout methods.


Our Utilities API offers merchants a simple, fast and easy way to process bill payments such as airtime & data, electricity/energy payments and cable TV subscription.