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Simplify customer experience with seamless payment

Businesses from e-commerce stores, physical retail stores or pharmacies, mobility platforms, fintechs or large corporates can use Fincra Pay-Ins to accept payments seamlessly from their customers locally & internationally.

Different payment methods for your business needs

With Fincra Pay-In, businesses can choose the payment method that fits their needs. Fincra offers Virtual Accounts, Payment Links, Cards, Mobile Money, Bank Transfers, Wallets, POS Terminals and calling our easy-to-integrate API.

Sell to customers all around the world

Fincra supports collections in up to 40 currencies including USD, GBP, EUR, CAD, NGN, KES, GHS and more. You can easily collect payments from anywhere in the world, including the United States, the United Kingdom and Europe.

Integrate our API to experience our Checkout

Fincra offers a Direct API to build your preferred payment experience, allowing you to get paid via cards, Mobile Money, bank transfer and PayAttitude. Fincra also offers Payment Link services to accept payments with no code.

Accept In-Person payments with Fincra POS Terminal

Your POS can do much more than just process card payments. Fincra’s POS solution adds the option of paying with bank transfers for businesses.

  • Accept card & bank transfer payments on a terminal
  • Instant settlement for all payments
  • APIs for developers to build custom payment flows on terminals
  • Dedicated technical support
  • SDKs for over five major POS types (and more being built)
  • Highest level of security with PCI compliance
  • White-label Terminal Management System for administration, monitoring & processing full end to end of Terminal Acquiring Operations.
  • Manage multiple devices seamlessly from one dashboard

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

With Fincra, fintechs and financial institutions can offer Pay-In services without building from scratch. Fincra has easy-to-integrate APIs for Checkout, Virtual Account, Payment Links and POS Terminals prebuilt to optimise for convenience and conversion.

NGN Virtual Account for easy payment

Create limitless NUBAN-compliant Virtual Accounts for your business from the Merchant Portal or API. Businesses can easily accept payments with the NGN Virtual Account, allowing customers to Pay with Bank Transfer.

Easy checkout

Fincra payments page provides an optimised checkout experience for your customers. There’s flexibility and a variety of payment options available.

Easily sell online without a website

Customers can pay with a card, bank transfer and Pay with PayAttitude. Businesses without a website can get Fincra Checkout via a Payment Link.

Multiple ways to interact with our Pay-In product

Sign up and get an account in minutes and start receiving payments from over 150 countries

  • 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.
  • Terminals: Request for a point of sale terminal to receive in-person payments

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


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

Enable your international customers to pay you through methods they are most comfortable with to increase your revenue.

Fincra supports 40+ currencies and offers a single API for cards, mobile money, bank transfers, virtual account issuance & wallets.

Ways to Pay
  • Checkout Standard
  • Checkout Redirect
  • Direct API
  • Payment Links
  • In-Person
  • Whitelabel Terminal Management System
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
  • Terminal
Business Operations
  • Fincra Portal
  • Roles & Permissions
  • Account Security
  • Identity Verification


Fincra’s Pay-In product helps you accept credit cards, debit cards, create virtual accounts and get paid using common channels globally. We support all major card schemes, currency conversions, and much more

Starts at

1% capped at ₦1,000

dependent on the Pay-In channel

The complete payment solution

Fincra helps businesses across Africa with solutions-via merchant dashboard, APIs and white labelling- to send and receive money locally, internationally, online and offline. 


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.

Agency Banking

APIs, SDKs and a White-labelled platform for businesses and financial institutions to launch their branchless strategy.

Pos Terminals

Point of sales (POS) terminals for seamless and fast in-person payments.


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.