---
title: "Fincra: Payment Gateway in Africa"
description: "Accept cards, bank transfers, M-Pesa & mobile money, create virtual accounts and send cross-border payouts in 7 African countries."
canonical_url: "https://liners.com/fincra"
markdown_url: "https://liners.com/fincra.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/fincra/screenshot.webp?v=1772121171441"
published_at: "2026-02-26T15:53:46.054Z"
updated_at: "2026-08-31T07:45:57.960Z"
---

# Fincra: Payment Gateway in Africa

Accept cards, bank transfers, M-Pesa & mobile money, create virtual accounts and send cross-border payouts in 7 African countries.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Fincra](/fincra)

## Summary

Collect payments and send payouts across borders with one API

A payment infrastructure platform for businesses to accept card and bank transfer payments, create virtual accounts, and make payouts across multiple countries and currencies.

## Product details

| Field | Value |
| --- | --- |
| Website | https://fincra.com/ |
| Tagline | Collect payments and send payouts across borders with one API |
| Primary country | Nigeria |
| Platforms | Web, API |
| Average rating | 5 |
| Published reviews | 1 |
| Verified listing | Yes |

## About the product

Fincra is a **payment infrastructure platform** for businesses that need to **collect payments**, **make payouts**, and **settle cross-border transactions** across multiple countries and currencies.

Key capabilities include:

- **Pay-In options** that let customers pay using **debit/credit cards**, **bank transfers**, **M-Pesa**, **mobile money**, and **PayAttitude**, depending on market availability
- **Checkout** for **one-time and recurring payments**, designed for online commerce and subscription billing
- **Payment Links** for no-code collections, enabling businesses to share a link and get paid online without a website
- **APIs for developers** to integrate payments in-app, including **virtual account creation and management**, **receiving payments across channels**, and **payouts to beneficiaries**

Available on **Web** (dashboard and account management) and via **API** (developer integrations).

It targets **B2B teams** (SMEs to larger enterprises) and platforms such as financial institutions and software platforms that want to embed payment acceptance and disbursements into their products.

In the African market context, it is notable for supporting local and cross-border payment methods across multiple regions, offering multi-currency transaction support (including NGN, GHS, KES, USD, EUR, and GBP) and reporting **99.95% uptime since January 2022** for payment operations that depend on reliable infrastructure.

## Features

- [Fintech](/categories/fintech): Category
- [B2B](/tags/b2b): Product feature or technology
- [BaaS](/tags/baas): Product feature or technology
- [Bulk Payments](/tags/bulk-payments): Product feature or technology
- [Cross-Border Payments](/tags/cross-border-payments): Product feature or technology
- [Multi-currency](/tags/multi-currency): Product feature or technology
- [Payment Gateway](/tags/payment-gateway): Product feature or technology
- [Cameroon](/countries/cameroon): Market
- [Ghana](/countries/ghana): Market
- [Kenya](/countries/kenya): Market
- [Nigeria](/countries/nigeria): Market
- [Senegal](/countries/senegal): Market
- [South Africa](/countries/south-africa): Market
- [Uganda](/countries/uganda): Market

## Related pages

- [Alternatives](/fincra/alternatives)
- [Reviews](/fincra/reviews)
- [Transparency](/fincra/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/fincra)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)