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Fintecture, the next-generation B2B payment platform, helps merchants save time, reduce costs and increase sales. Today, Fintecture's payment platform enables approximately 7,000 businesses to collect payments on an e-commerce, in-store, mail order, or billing cycle.

Immediate TransferIrrevocable paymentSimplified reconciliationNo ceiling limit


The first instant bank-to-bank payment solution in France, Fintecture allows merchants and businesses to :

  • Bypass card limits
  • Eliminate illegitimate chargebacks
  • Significantly reduce transaction costs
  • Dispose of collected funds faster
  • Reduce fraud by eliminating chargebacks
  • Increase security by protecting their consumers

Fintecture facilitates payments and adapts to your needs: B2B, recurring payments, Pay by Link, and more.

Under the control and continuous supervision of the financial regulator, Fintecture is a licensed payment institution (ACPR-17248) in 30 countries of the European Economic Area

Les avantages majeurs de la solution


15% increase in sales


40% cheaper on the average


Our technology works with 99% of French banks


Get all the money right into your bank account within 10 seconds to 24 hours.

Les avantages d'une connexion avec Upstream Pay


Integrate Fintecture with ease


A seamless journey


Centralize your payment methods on a single platform


Access irrevocable payment; you get the money right into your bank account

Parcours de paiement

Payment hub - customer selects immediate transfer

Bank selection by the customer - payment without IBAN entry

Automatic redirection to the customer's secure bank space - the customer confirms the transfer

Immediate confirmation of payment

Fiche technique

Markets coveredFrance, Italy, Spain, Belgium
Currency of paymentEUR
ChannelE-commerce, store, email,
Accepted means of payment Immediate transfer
Recurring transactionsNo
Split paymentNo
3D Secure Yes
Fraud module Yes
Settlement time30 days

Pour plus d'informations, contacter l'équipe UpStream Pay

Become a partner

In search of more business opportunities and visibility, display your payment methods on our platform. Come and co-build Upstream Pay's offer and become our trusted partner!

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© 2023 UpStream Pay. Tous droits réservés. | Mentions légales | Données personnelles