Fincra

Payments · Banking & Fintech · Currency Exchange

Fincra is a CBN PSSP-licensed payment gateway and fintech infrastructure company enabling African businesses to collect payments locally and cross-border across 50+ currencies in 40+ countries — with a single API covering 150+ countries globally. Fincra processes millions of API requests monthly and provides checkout, virtual accounts, direct debit, and cross-border payment products to businesses ranging from startups to enterprise clients. The company maintains a dedicated developer hub at FincraHub for the Nigerian and African developer community.

freemium

API Key (from Fincra Dashboard — separate keys for sandbox and live)

50 API calls per second. HTTP 429 returned when exceeded.

✓ Available

Best For

African businesses, fintechs, and enterprises that need a CBN-licensed payment gateway supporting collections, virtual accounts, cross-border payments, and direct debit across 50+ currencies in 40+ countries.

Pricing

Rate limit is 50 requests/second. Sandbox and live environments are fully isolated — separate business IDs, API keys, and identifiers. CBN PSSP-licensed. Supports M-Pesa, mobile money, PayAttitude, and 150+ countries via one API. Contact sales for custom pricing.

Not Supported

USSD PaymentsCrypto PaymentsFree Tier

Key Highlights

  • CBN PSSP-licensed payment gateway
  • 50+ currencies and 40+ countries supported
  • 150+ countries via single API integration
  • 50 requests/second rate limit
  • Fully isolated sandbox with separate business IDs
  • Virtual accounts in multiple currencies
  • Direct Debit API for recurring collections

Required Access Documents

  • CAC Registration CertificateRequired
    Certificate of Incorporation or Business Name Registration from the Corporate Affairs Commission.
  • Director BVN and Government IDRequired
    BVN and government-issued ID (Passport, Driver's Licence, or NIN) for directors — required for live account activation.
  • Business Bank AccountRequired
    Active Nigerian bank account in the business name for NGN settlement.
  • Compliance ReviewRequired
    Fincra conducts a compliance review as part of live account activation — business model, transaction volumes, and risk profile are assessed before going live.

Use Cases

  • Cross-Border Payment Collection:Nigerian export businesses and remote-work platforms can use Fincra to collect USD, GBP, or EUR payments from international clients and settle in NGN — covering 150+ countries via one API.
  • Multi-Currency Virtual Accounts:Nigerian fintechs can use Fincra Virtual Account API to issue USD, GBP, and EUR IBAN-style accounts to customers, enabling Nigerian users to receive international transfers as if they had foreign bank accounts.
  • Direct Debit for Subscriptions:Nigerian SaaS and subscription businesses can use Fincra Direct Debit API to automatically debit customer bank accounts on recurring schedules — building subscription billing without card-based recurring charges.
  • Mobile Money Integration for East Africa:Nigerian platforms expanding to Kenya and other East African markets can use Fincra's M-Pesa integration to accept mobile money payments alongside card and bank transfer — through a single API.
  • Africa-Wide Marketplace Payouts:Pan-African marketplace platforms can use Fincra to pay vendors in their local currencies across 40+ countries — disbursing NGN in Nigeria, KES in Kenya, and GHS in Ghana from one payout API.

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