Fincra API
Payments · Banking & Fintech · Forex
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.
Fincra API Highlights
Fincra API is verified for developer integrations in Nigeria and across African markets, providing documented endpoints, sandbox testing, and developer support.
API Key (from Fincra Dashboard separate keys for sandbox and live)
50 API calls per second. HTTP 429 returned when exceeded.
Nigeria
Ghana
KenyaFincra API is 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.
- Custom pricing based on product needs, transaction volume, markets, and risk profile
- Contact Fincra sales for a package
- No public fee schedule published
Fincra API Core Features & Capabilities
Features Included
Not Supported
Fincra API Supported Webhook Events
Delivers real-time status callbacks for collections, payouts, cross-border conversions, settlements, and refunds.
| Event Name | Trigger & Description |
|---|---|
charge.successful | Collection charge completed successfully. |
charge.failed | Collection charge failed. |
payout.successful | Payout to bank or wallet completed. |
payout.failed | Payout attempt failed. |
settlement.successful | Settlement disbursed to merchant payout account. |
refund.successful | Refund settled to customer account. |
Required Access Documents for Fincra API
- CAC Registration CertificateRequiredCertificate of Incorporation or Business Name Registration from the Corporate Affairs Commission.
- Director BVN and Government IDRequiredBVN and government-issued ID (Passport, Driver's Licence, or NIN) for directors required for live account activation.
- Business Bank AccountRequiredActive Nigerian bank account in the business name for NGN settlement.
- Compliance ReviewRequiredFincra conducts a compliance review as part of live account activation business model, transaction volumes, and risk profile are assessed before going live.
Different Fincra API 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.