Overview
Back to topFintecture is a PSD2 PIS authorized payment institution (PSDFR-ACPR-17248), passported in 30 countries within Europe. By connecting directly to all banks, Fintecture, the first to introduce Account-to-Account (A2A) instant payment solution in France and expanding internationally, provides a seamless and cost efficient way of enabling A2A instant payments.
By adding Fintecture's extension Pay with Immediate Transfer to your checkout, you enable your clients to pay you instantly, securely and without friction through their bank account. At your checkout, your clients will select their bank and then securely connect to their bank's webpage with their usual credentials of their web banking. No registration is needed. Your client will then confirm the pre-filled and automated order and you will receive your payment easily and fast. No need for them to add your IBAN and no additional cost for them. You will receive immediate payment confirmations and the payments are irreversible. Integration and the daily follow-up of the transactions is easy and there is no need to change your payment provider.
Account & Pricing
With Fintecture, you only pay a small commission for successful transactions. No subscription, no hidden costs. Get to know more about our pricing or contact us for any inquiries here. To use our extension, please create a separate account here. The Fintecture extension can be installed in a few minutes and the payment method Pay with Instant Transfer is integrated in your checkout!
Benefits
- Start collecting payments easily and without any set up fee! (No need to change your payment provider)
- There is no limit on the maximum amount you can collect!
- The payment cannot be modified or cancelled which protects your revenues against fraud.
- Pay with Instant Transfer ends illegitimate rejections caused by the multiplication of intermediaries, which Increases the conversion rate by 15%.
- Reduce transaction fees by 40%.
What your customers will like:
- Simplicity: the clients don’t have to set up an account with Fintecture, they simply use their web banking details to pay through their bank.
- Without adding their IBAN
- Without adding a trusted beneficiary
- Without additional cost
- Quick refund: the client will be reimbursed in 1 working day.
- Reliability: clients are not feeling frustrated from seeing their bank cards rejected even if they have a sufficient balance.
- High transaction amount: clients can pay for larger baskets amounts avoiding any card limitations.
Features
Simple & Easy
Online payments have never been so easy:
- At the checkout your client selects Pay with Immediate Transfer as a payment method
- The client selects their bank
- The client securely connects to their bank with the credentials of their web banking
- The client confirms the pre-filled and automated payment order
Immediate payment Confirmation
- When your client pays with Pay with Immediate Transfer, you receive an instant payment confirmation and the reconciliation is made instantly within Magento. The reconciliation procedure is the same as collecting payments by card.
Maximum security
- Your client never shares their bank credentials with Fintecture or the merchant. The client authenticates directly with their bank.
No chargeback
- Pay with Immediate Transfer protects the merchant by stopping the client from cancelling or modifying the payment.
End of rejections!
- Fintecture enables merchants to collect funds into their bank account directly without any intermediary or frictions.
- There are no illegitimate rejections, unlike with cards where 15% of transactions are rejected although the buyer has sufficient funds.
Pricing per transaction
- Pay 40% less compared to what you pay to collect payments today
- No fixed fee
- No hidden fees
Collect payments quickly!
- Depending on the bank, you will collect the funds between 10 seconds and 1 working day maximum!
Make the reconciliation easy
- Each payment is paid in full to your bank account
- Each payment includes the transaction number linked to the order
- Make your bank reconciliation in the blink of an eye
Monthly invoicing
- You are invoiced at the end of the month on the total amount of commissions for transactions processed by Pay with Immediate Transfer
Security
Upon checkout, after having selected Fintecture's payment method, your customers are redirected to a secure Fintecture page where they select their bank. Then they are redirected to their bank's environment where they will proceed to a Strong Customer Authentication (SCA), either with their bank's mobile app using biometrics (mobile method) or on their bank's webpage using their usual credentials of their web banking (desktop method). Once the payment process is complete, customers will be redirected back to your store. The extension uses APIs to connect to banks and process payments. The webshop never comes in contact with the customer's payment data. No sensitive customer data is entered or stored on the Magento server.
Pay with Immediate Transfer is:
- GDPR (European General Data Protection Regulation) compliant
- SCA (Strong Customer Authentication) compliant
- Authorized by ACPR (PSDFR-ACPR-17248) and the Bank of France
- No sensitive payment data is collected by you, Fintecture, or entered and stored in the Magento server
Getting Started
Simply three steps to follow:
- Download the plugin from the Magento marketplace
- Create an account and input your bank account details for the payment collection
- Set up the "Pay with Immediate Transfer" plugin and start accepting payments
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Fintecture est un établissement de paiement PSD2 PIS (PSDFR-ACPR-17248), authorisé dans 30 pays de l'Espace Economique Européen. En se connectant directement à toutes les banques, Fintecture est la première solution de virement instantané de Compte-à-Compte en France, avec une expansion internationale, qui permet un paiement instantané de Compte-à-Compte, efficient et sans friction
En ajoutant l'extension Fintecture "Payer par Virement Immédiat" à votre caisse, vous permettez à vos clients de vous payer instantanément, en toute sécurité et sans friction via leur compte bancaire. Lors de votre paiement, vos clients sélectionneront leur banque et se connecteront ensuite en toute sécurité à la page web de leur banque avec les informations d'identification habituelles de leur banque en ligne. Aucune inscription n'est nécessaire. Votre client confirmera ensuite l'ordre de paiement pré-rempli et automatisé et vous recevrez votre paiement facilement et rapidement. Il n'y a pas besoin pour eux d'ajouter votre IBAN et aucun frais supplémentaire n'est à payer. Vous recevrez immédiatement les confirmations de paiement et les paiements sont irréversibles. L'intégration et le suivi quotidien des transactions sont faciles et il n'est pas nécessaire de changer de fournisseur de paiement.
Compte & Tarification
Avec Fintecture, payez uniquement un pourcentage sur les transactions réussies. Sans frais fixes. Sans abonnement. En savoir plus sur nos tarifs ici. Vous pouvez créer un compte ici. Le plugin Fintecture s’installe en quelques secondes et la méthode “Payer par Virement Immédiat” apparaît dans votre checkout!
Avantages
- Ajoutez presque instantanément la solution dans votre checkout et commencez à accepter des paiements par Virement Immédiat facilement. (Pas besoin de changer votre prestataire de paiement)
- Collectez des paiements sans limite de plafonds !
- Protégez vos revenus contre la fraude : le paiement est non annulable et non modifiable
- Augmentez vos taux de conversion de 15% : fini les rejets illégitimes dus à la multiplication d’intermédiaires.
- Réduisez vos frais de transaction de 40% et payez une commission uniquement lorsque vous recevez un paiement.
Ce que vos clients aimeront:
- La simplicité: pas besoin de connaître Fintecture, ils se connectent directement à leur banque avec les identifiants de leur banque en ligne:
- Sans saisir d'IBAN
- Sans ajouter de bénéficiaire de confiance
- Sans coût additionnel
- La sécurité: aucune information sensible n’est collectée ni par Fintecture ni par les marchands.
- Le remboursement rapide: ils sont remboursés en 1 jour ouvrable.
- La fiabilité: ils ne sont plus frustrés de voir leurs paiements par CB rejetés bien qu’ils disposent des fonds suffisants.
- Les plafonds élevés: ils peuvent payer des paniers élevés sans solliciter les plafonds de leur CB.
Charactéristiques
Facilité et simplicité
Jamais un paiement en ligne n'a été aussi simple:
- Au checkout, votre client choisit 'Payer par Virement Immédiat' comme méthode de paiement
- Il sélectionne sa banque
- Il se connecte à sa banque avec les mêmes identifiants que ceux de son web banking
- Il confirme la paiement pré-rempli pour lui
Confirmation immédiate du paiement
- Au moment où le client règle par 'Payer par Virement Immédiat', vous recevez une confirmation instantanée du paiement et la réconciliation se fait immédiatement avec Magento comme lorsque l'acheteur paie par carte.
Fini les Rejets!
- Fintecture vous permet de collecter de l'argent directement depuis le compte de votre client. Pas d'intermédiaires. Pas de frictions. Pas de rejets, contrairement aux CB où 15% des transactions sont rejetées bien que l'acheteur dispose de fonds suffisants.
Sécurité maximale
- Votre client ne transmet ni au marchand ni à Fintecture ses coordonnées bancaires personnelles. Il s'authentifie auprès de sa banque directement.
Pas de chargeback
- Payer par Virement Immédiat de Fintecture protège les marchands: Votre client ne peut ni annuler ni modifier son paiement.
Tarification à la Transaction
- Payer une commission 40% moins chère que vos commissions actuelles
- Pas de frais fixes
- Pas de frais cachés
Encaissez l'argent rapidement!
- En fonction des banques de vos clients, vous recevez l'argent sur votre compte bancaire entre 10 secondes et 1 jour ouvrable!
Facilitez votre rapprochement bancaire
- Chaque paiement est versé intégralement sur votre compte bancaire.
- Chaque paiement comporte le N° de la transaction associé à la vente
- Faites votre rapprochement bancaire en un clin d’œil
Facturation mensuelle
- Vous recevez une facture en fin de mois avec le montant total des commissions sur le transactions réalisées par "Payer par Virement Immédiat"
Sécurité
Au checkout, après avoir sélectionné Fintecture comme méthode de paiement, vos clients ont accès à une page où ils devront sélectionner leur banque. Une fois leur banque sélectionnée, les clients sont redirigés vers leur environnement bancaire entièrement sécurisé, où ils effectueront une authentification forte (SCA); soit de façon biométrique au travers leur app bancaire (méthode mobile); soit de façon traditionnelle avec leur identifiants de banque en ligne habituels (méthode desktop). Une fois finalisé, le client sera redirigé vers l'environnement du marchand. Le module se sert d'API pour se connecter aux banques et initier les paiements. Aucune information sensible du client n'est saisie ou enregistrée sure le site marchand ou sur les server Magento.
"Payer par Virement Immédiat", est un paiement:
- RGPD (Règlement Général sur la Protection des Données) conforme
- SCA (Authentification Forte du Client) conforme
- Autorisé par l’ACPR (PSDFR-ACPR-17248) et agréé Banque de France
- Aucune donnée de paiement sensible n'est collectée par vous, Fintecture, ou saisie et stockée sur le serveur Magento
Lancez-vous
3 étapes seulement:
- Téléchargez le module depuis la marketplace Magento
- Ouvrez un compte rapidement et renseignez vos coordonnées bancaires pour la collecte de paiement
- Configurez le module "Payer par Virement Immédiat" et commencez à collecter des paiements
Technical Specifications
Back to topSeller profile
Seller contact
Integrator
Current Version
3.5.3
Adobe Commerce platform compatibility
Adobe Commerce (cloud): 2.4 (current)
Adobe Commerce (on-prem): 2.4 (current)
Magento Open Source: 2.4 (current), 2.3 (obsolete)
Type
Stable Build
Updated
05 March, 2024
Categories
Extensions, Payments & Security, Payment Integration
Documentation
License Type
GNU General Public License 3.0 (GPL-3.0)
Policy
Quality Report
Back to topAll tests were conducted on the latest versions of Adobe Commerce that existed for the compatible release lines at the moment of the extension submission. Latest versions of all other software were used, as applicable.
Release Notes
Back to top3.5.3:
- Compatible with Adobe Commerce (cloud) : 2.4
- Compatible with Adobe Commerce (on-prem) : 2.4
- Compatible with Magento Open Source : 2.4
- Stability: Stable Build
-
Description:
Add a message to ask if private key has been saved when connection test is failing
3.5.2:
- Compatible with Adobe Commerce (cloud) : 2.4
- Compatible with Adobe Commerce (on-prem) : 2.4
- Compatible with Magento Open Source : 2.4
- Stability: Stable Build
-
Description:
- Layout fixes
- Use db_schema.xml instead of InstallSchema script
- Update translations
3.4.2:
- Compatible with Adobe Commerce (cloud) : 2.4
- Compatible with Adobe Commerce (on-prem) : 2.4
- Compatible with Magento Open Source : 2.4
- Stability: Stable Build
-
Description:
- Re-allow partial refunds on invoices
3.4.1:
- Compatible with Adobe Commerce (cloud) : 2.4
- Compatible with Adobe Commerce (on-prem) : 2.4
- Compatible with Magento Open Source : 2.4
- Stability: Stable Build
-
Description:
- Fix a webhook return statement
- Fix refund webhook
- Remove a no-longer-used file
3.4.0:
- Compatible with Adobe Commerce (cloud) : 2.4
- Compatible with Adobe Commerce (on-prem) : 2.4
- Compatible with Magento Open Source : 2.4
- Stability: Stable Build
-
Description:
- Update error messages on checkout page
- Update payment confirmation messages on validation page
3.3.0:
- Compatible with Adobe Commerce (cloud) : 2.4
- Compatible with Adobe Commerce (on-prem) : 2.4
- Compatible with Magento Open Source : 2.4
- Stability: Stable Build
-
Description:
- add an option to force first position depending on a configured amount
- add support for terms checkbox
- improve webhooks handling
- fix transfer labels
3.2.0:
- Compatible with Adobe Commerce (cloud) : 2.4
- Compatible with Adobe Commerce (on-prem) : 2.4
- Compatible with Magento Open Source : 2.4
- Stability: Stable Build
-
Description:
- Add an optional recommended badge on checkout payment method
- Trigger sales_order_save_after event only in admin area
3.1.0:
- Compatible with Adobe Commerce (cloud) : 2.4
- Compatible with Adobe Commerce (on-prem) : 2.4
- Compatible with Magento Open Source : 2.4
- Stability: Stable Build
-
Description:
- Add a setting to choose the checkout design
- Add a setting to set a custom reconciliation key for Smart Transfer
- Permit to cancel a Smart Transfer payment by cancelling the associated order
3.0.1:
- Compatible with Adobe Commerce (cloud) : 2.4
- Compatible with Adobe Commerce (on-prem) : 2.4
- Compatible with Magento Open Source : 2.4
- Stability: Stable Build
-
Description:
- PHP 7.X compatibility fixes
- Fix order param for the alternatives payment methods (Login As feature)
- Handle a specific refund return
3.0.0:
- Compatible with Adobe Commerce (cloud) : 2.4
- Compatible with Adobe Commerce (on-prem) : 2.4
- Compatible with Magento Open Source : 2.4
- Stability: Stable Build
-
Description:
- Add BuyNowPayLater payment method
- Rewrite the plugin without the deprecated AbstractMethod class to ensure compatibility with future Magento releases
- Better CSRF handling
2.2.8:
- Compatible with Adobe Commerce (cloud) : 2.4
- Compatible with Adobe Commerce (on-prem) : 2.4
- Compatible with Magento Open Source : 2.4
- Stability: Stable Build
-
Description:
Send confirmation email even if not invoicing immediately
2.2.7:
- Compatible with Adobe Commerce (cloud) : 2.4
- Compatible with Adobe Commerce (on-prem) : 2.4
- Compatible with Magento Open Source : 2.4
- Stability: Stable Build
-
Description:
Fix a param following a SDK update.
2.2.6:
- Compatible with Adobe Commerce (cloud) : 2.4
- Compatible with Adobe Commerce (on-prem) : 2.4
- Compatible with Magento Open Source : 2.4
- Stability: Stable Build
-
Description:
Add 'state' as an optional parameter for RTP endpoint.
2.2.5:
- Compatible with Adobe Commerce (cloud) : 2.4
- Compatible with Adobe Commerce (on-prem) : 2.4
- Compatible with Magento Open Source : 2.4
- Stability: Stable Build
-
Description:
- Support partial and overpaid payment statuses for Manual Transfer
- Improve theme compatibility
- New Login As payment option (Email/SMS)
- Better code quality
2.1.2:
- Compatible with Adobe Commerce (cloud) : 2.4
- Compatible with Adobe Commerce (on-prem) : 2.4
- Compatible with Magento Open Source : 2.4
- Stability: Stable Build
-
Description:
Add a csp_whitelist.xml file
2.1.1:
- Compatible with Adobe Commerce (cloud) : 2.4
- Compatible with Adobe Commerce (on-prem) : 2.4
- Compatible with Magento Open Source : 2.4
- Stability: Stable Build
-
Description:
- check all order status history before completing a webhook
- fix an exception type
2.1.0:
- Compatible with Adobe Commerce (cloud) : 2.4
- Compatible with Adobe Commerce (on-prem) : 2.4
- Compatible with Magento Open Source : 2.4
- Stability: Stable Build
-
Description:
- Add sort order option in admin settings
- Add an optional QR Code payment flow for 'Login as Customer' feature
2.0.0:
- Compatible with Adobe Commerce (cloud) : 2.4
- Compatible with Adobe Commerce (on-prem) : 2.4
- Compatible with Magento Open Source : 2.4
- Stability: Stable Build
-
Description:
First release based on our PHP SDK
Combine Magento 2.3 and 2.4 plugins into one
Allow multiple partial refunds on orders
Improve code quality
1.5.0:
- Compatible with Adobe Commerce (cloud) : 2.4
- Compatible with Adobe Commerce (on-prem) : 2.4
- Compatible with Magento Open Source : 2.4
- Stability: Stable Build
-
Description:
- better support of multi-stores on connection test
- add an advanced setting to disable invoice generation
1.4.0:
- Compatible with Adobe Commerce (cloud) : 2.4
- Compatible with Adobe Commerce (on-prem) : 2.4
- Compatible with Magento Open Source : 2.4
- Stability: Stable Build
-
Description:
- add an advanced config section for custom status mapping
- rework order comments
1.3.1:
- Compatible with Adobe Commerce (cloud) : 2.4
- Compatible with Adobe Commerce (on-prem) : 2.4
- Compatible with Magento Open Source : 2.4
- Stability: Stable Build
-
Description:
Implement online refund on invoices
Replace some deprecated calls
Some code cleaning
1.2.15:
- Compatible with Adobe Commerce (cloud) : 2.4
- Compatible with Adobe Commerce (on-prem) : 2.4
- Compatible with Magento Open Source : 2.4
- Stability: Stable Build
-
Description:
Check session id matching
If lastPaymentSessionId is not found, don't call payment api
1.2.14:
- Compatible with Adobe Commerce (cloud) : 2.4
- Compatible with Adobe Commerce (on-prem) : 2.4
- Compatible with Magento Open Source : 2.4
- Stability: Stable Build
-
Description:
fix connection test
1.2.13:
- Compatible with Adobe Commerce (cloud) : 2.4
- Compatible with Adobe Commerce (on-prem) : 2.4
- Compatible with Magento Open Source : 2.4
- Stability: Stable Build
-
Description:
Implement retry of curl requests
Improve handling of errors
1.2.12:
- Compatible with Adobe Commerce (cloud) : 2.4
- Compatible with Adobe Commerce (on-prem) : 2.4
- Compatible with Magento Open Source : 2.4
- Stability: Stable Build
-
Description:
Add option to add expiration date to payment
Remove not useful column in DB (customer id)
Change level of two log messages
1.2.10:
- Compatible with Adobe Commerce (cloud) : 2.4
- Compatible with Adobe Commerce (on-prem) : 2.4
- Compatible with Magento Open Source : 2.4
- Stability: Stable Build
-
Description:
Complete overhaul of logs with more utility and more context informations
Better management of order loading
Fix logger displaying the same line three times
Move our log file from /var/log/payment/fintecture/payment.log to /var/log/fintecture.log
1.2.9:
- Compatible with Adobe Commerce (cloud) : 2.4
- Compatible with Adobe Commerce (on-prem) : 2.4
- Compatible with Magento Open Source : 2.4
- Stability: Stable Build
-
Description:
Fixed an issue that prevented in some cases to configure the module
Refacto SubmitObserver to not overwrite it anymore
Fix webhook notice
1.2.7:
- Compatible with Magento Open Source : 2.4
- Stability: Stable Build
-
Description:
Just fix an important Spanish translation
1.2.6:
- Compatible with Magento Open Source : 2.4
- Stability: Stable Build
-
Description:
Add Spanish translation
Better order cancellation process
Some order fixes
Use incrementId of order for transfer reference (instead of its id)
Better logs
1.2.5:
- Compatible with Magento Open Source : 2.4
- Stability: Stable Build
-
Description:
- contains 1.2.1, 1.2.2, 1.2.3 & 1.2.4
- remove obsolete scripts
1.2.0:
- Compatible with Magento Open Source : 2.4
- Stability: Stable Build
-
Description:
Clean some code
Private key encrypted in DB
1.1.0:
- Compatible with Magento Open Source : 2.4
- Stability: Stable Build
-
Description:
new checkout
1.0.4:
- Compatible with Magento Open Source : 2.3 2.4
- Stability: Stable Build
-
Description:
Migrated to APIs v2
1.0.3:
- Compatible with Magento Open Source : 2.3 2.4
- Stability: Stable Build
-
Description:
updated CSS
1.0.2:
- Compatible with Magento Open Source : 2.3 2.4
- Stability: Stable Build
-
Description:
Fixes display issue that was visible in Magento version 2.3.5
1.0.1:
- Compatible with Magento Open Source : 2.3 2.4
- Stability: Stable Build
-
Description:
> updated user guide
> fixed typos
> Enabling button to test connection
1.0.0:
- Compatible with Magento Open Source : 2.3 2.4
- Stability: Stable Build
-
Description:
First stable release
Support
Back to topThe best place to start if you need help with a specific extension is to contact the developer. All Adobe Commerce developers have both a contact email and a support email listed.
Contact Vendor