Pay by Immediate Transfer (by Fintecture)

In short

Payment by immediate transfer allows your customers to pay you instantly from their bank account. You receive immediate confirmation and the payment is irrevocable.

The advantages of this product

Offer an adapted payment to your customers.

Easily add the solution to your cash register and start accepting payments by instant transfer, simply and without any setup costs!
(No need to change your payment provider)

Collect payments without limit!

Protect your income against fraud: the payment is non-cancellable and non-changeable.

Increase your conversion rates by 15%: no more illegitimate rejections due to the multiplication of intermediaries.

Reduce your transaction fees by 40% and only pay commissions when you receive a payment.

What your customers will like

• Simplicity: no need to create a Fintecture account, they connect directly to their online bank with the usual login details:

  • Without entering an IBAN
  • Without adding a trusted beneficiary
  • No additional cost

• Security: no sensitive information is collected by either Fintecture or the merchants.

• Rapid reimbursement: they are refunded within 1 working day.

• Reliability: they can pay for large baskets without using their credit card limits.

Specifications

Easy and Simple

Online payment has never been easier:

• At checkout, your customer chooses the payment method “Payment by immediate transfer”
• He selects his bank
• He connects with his usual identifiers
• He confirms the payment pre-filled for him

Immediate confirmation of payment

• When the customer pays by “Immediate Transfer Payment”, you receive instant confirmation of the payment and the reconciliation is done immediately with WordPress as when the buyer pays by card.

No more rejects!

Fintecture allows you to collect money directly from your customer’s account. No middlemen. No friction. No rejections, unlike credit cards where 15% of transactions are rejected even though the buyer has sufficient funds.

Maximum security

• Your customer does not transmit their personal bank details to the merchant or Fintecture. They authenticate themselves directly with their bank.

No chargeback

• The Fintecture instant transfer payment protects merchants: your customer cannot cancel or change his payment.

Pricing per transaction

• Pay 40% less commission than your current commissions
• No fixed costs
• No hidden fees

Cash in quickly!

• Depending on your customers’ banks, you receive the money in your bank account between 10 seconds and 1 working day!

Facilitate your bank reconciliation

• Each payment is paid in full into your bank account.
• Each payment includes the transaction number associated with the sale
• Do your bank reconciliation in the blink of an eye

Monthly billing

• You will receive an invoice at the end of the month with the total amount of commissions on transactions made by “payment by immediate transfer”.

Legal provisions

This module is compliant with the European Data Protection Regulation (RGPD).

Fintecture is a payment institution approved and regulated by the ACPR under N°17248.

Languages

• French
• English
• Spanish

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