# Fincra

> Collect payments anywhere, anytime

Fincra is a payments infrastructure company. It helps businesses collect payments and make payouts across Africa and globally through APIs, virtual accounts, and payment processing tools.

Fincra is a payments infrastructure company that enables businesses to collect payments and make payouts across Africa and internationally. It provides application programming interfaces and payment tools that let merchants accept card and bank transfer payments, generate multi-currency virtual accounts, and send cross-border payouts to beneficiaries in different countries.

The company addresses the difficulty businesses face in accepting and moving money across African markets and connecting them to global commerce. Its infrastructure links banks, wallets, and payment methods behind a single set of APIs, allowing merchants and platforms to manage collections and payouts without integrating each channel separately. It operates as a licensed payment solutions provider.

Fincra's offering spans payment links, checkout pages, virtual accounts, and payout APIs, grouped around collections and payouts as its two core use cases. It is used by fintechs, e-commerce merchants, travel and hospitality businesses, logistics companies, and financial institutions operating across Africa and looking to transact internationally.

- Type: Company
- Sector: Payments
- Status: Active
- Founded: 2021-07-07
- Profile: https://thegrid.id/profiles/fincra

## Products

- [Multicurrency Accounts](https://thegrid.id/profiles/fincra): Multicurrency Accounts is a virtual account product that lets businesses issue named USD, EUR, and GBP accounts to their customers for international payment collection. The system automates identity verification and issues accounts instantly through an API, giving each account full banking details for receiving transfers via local and international payment schemes. Fintechs, payroll providers, e-commerce platforms, and remittance businesses use it to give their end users foreign currency accounts without needing banking licenses of their own. Stablecoins can also be converted into these accounts, bridging digital asset holdings with traditional banking rails. (Wallet, Live, Main Product)
- [Fincra APIs](https://thegrid.id/profiles/fincra): Fincra APIs is a payments infrastructure platform providing developers with unified REST endpoints for collecting, converting, and disbursing funds across multiple currencies and payment methods. Businesses integrate checkout pages, payment links, virtual accounts, and direct debit into their own applications to accept customer payments, then use payout and money transfer endpoints to send funds to beneficiaries across many countries. The platform also offers currency conversion between supported currencies and identity verification to validate customer information during onboarding. Authentication, webhooks, and rate limiting support integration into fintech, e-commerce, payroll, and remittance applications. (Payments Infrastructure & Orchestration, Live)

## Links

- [Main](https://www.fincra.com)
- [Documentation](https://docs.fincra.com)
- [Blog](https://blog.fincra.com)
- [Terms of Service](https://fincra.com/terms-of-use)
- [Privacy policy](https://fincra.com/privacy-policy-2)
- [Twitter / X](https://x.com/FincraHQ)
- [LinkedIn](https://linkedin.com/company/fincrahq)

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- [Attribution Guidelines](https://about.thegrid.id/legal/open-data-attribution-guidelines): How to attribute The Grid's data when using the open data service.
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- [All Legal Documents](https://about.thegrid.id/legal): Full index of terms, policies, and disclosures

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- [TGS Field Descriptions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-field-descriptions.md): Schema field definitions for The Grid's data model
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- [Product Type Definitions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-definitions.md): Definitions for each product type
- [Product Type Classification](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-classification.md): Guide for classifying products into types
- [Grid MCP Guide](https://github.com/The-Grid-Data/workspace-public/blob/main/grid-search/skills/grid-query/references/grid-mcp-guide.md): How to query The Grid programmatically via MCP