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.


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.


  • French
  • English
  • Spanish



  • The customer chooses ‘Pay by Immediate Transfer’.
  • The customer selects his bank.
  • The customer enters their online bank details.
  • The customer confirms the payment.


Find and install the Fintecture Payment Gateway plugin by following these steps:

  1. Go to your WordPress administration portal
  2. Extensions -> Search for extensions
  3. In the search field, type “Fintecture” and press Enter
  4. Once you have found the extension, press “Install”, wait a few seconds, then press “Activate”.
  5. Your extension is installed and ready to be configured! Congratulations!
  6. Go to WooCommerce -> Settings -> Payments -> Fintecture Gateway to configure the extension!


Who can I contact if I have questions

To contact us, go to the website:


There are no reviews for this plugin.

Contributors & Developers

“Pay by Immediate Transfer (by Fintecture)” is open source software. The following people have contributed to this plugin.


“Pay by Immediate Transfer (by Fintecture)” has been translated into 2 locales. Thank you to the translators for their contributions.

Translate “Pay by Immediate Transfer (by Fintecture)” into your language.

Interested in development?

Browse the code, check out the SVN repository, or subscribe to the development log by RSS.



  • Take cancelled status sent by webhook in consideration


  • Fintecture SDK update to handle rare key encryption issue


  • Tested up to WordPress 6.5
  • Tested up to WooCommerce 8.7
  • Add a link to our online CMS documentation
  • Take more refund errors in consideration


  • Add a message to ask if private key has been saved when connection test is failing


  • Tested up to WooCommerce 8.5


  • Put JS and CSS in dedicated files to fix inline formatting issues


  • Fix a potential PHP warning


  • Add an extra check for redirection replays


  • Tested up to WordPress 6.4
  • Update error messages on checkout page
  • Update payment confirmation messages on validation page


  • Fix a typo for the “recommended” badge


  • Improve webhooks handling
  • Change the payment method label on the checkout page
  • Tested up to WooCommerce 8.1


  • Add compatibility with HPOS (High Performance Order Storage)
  • Tested up to WooCommerce 8.0


  • Fix order confirmation page


  • Tested up to WordPress 6.3
  • Tested up to WooCommerce 7.9


  • Add an optional recommended badge on checkout payment method


  • Fix rounding of refund amounts


  • Add a checkout design selection feature in the module configuration page
  • Tested up to WooCommerce 7.7


  • Add an option to move Fintecture at top of payment methods depending of a configurable cart amount
  • Support refund directly from your orders
  • Permit to cancel a Fintecture payment (for Manual Transfer) by cancelling an order
  • Add a status mapping feature in the module configuration page
  • Add sections in module configuration page
  • Tested-up to WP 6.2 and WC 7.6


Tested up to WooCommerce 7.4
Support partial and overpaid payment status
Improve theme compatibility
Bump dependencies


Tested up to WooCommerce 7.1
Bump dependencies


Fix Fintecture dropdown not always shown
Tested up to WooCommerce 6.9
Bump dependencies


Tested up to WooCommerce 6.8
Bump dependencies


Tested up to WordPress 6.0
Tested up to WooCommerce 6.5


Force hiding of script and style elements on Fintecture checkout


Bump PHP requirement to 7.2
Tested up to WooCommerce 6.4


Tested up to WooCommerce 6.3


Fix an incompatibility with one other payment plugin


Tested up to WooCommerce 6.2


Tested up to WooCommerce 6.1
Replace a deprecated call


Tested up to WooCommerce 6.0
Some internal updates


Tested up to WooCommerce 5.9


New checkout design
Improve handling of payment errors
Improve PHP 7.1 compatibility


Update requirements checking


Small internal fix


Bump requirements
Rewrite using our new PHP SDK
Fix duplicates messages on saving of options
Load admin css only in our plugin page
Always show ‘Fintecture – ‘ prefix in logs, errors and warnings


Load frontend css only on checkout
Improve translations


Fix spelling mistakes
Tested up to WordPress 5.8


Fix spelling mistakes
Check price precision and warn the the merchant if needed
Improve “test connection” flow


Add ‘test credentials’ buttons to config page
Upload buttons instead of text fields for private keys
Better requirements check
Improve security
Various fixes
Translation updates


Supports B2B


Changing checkout look & feel


Redirection URL provided by client configuration


Payment icon styles


New payment validation algorithm
New payment validation flow
New final redirection page


Preparing to load the payment


Added icon styles for the Fintecture payment method


Added icons and changed the default order status to “Payment Pending”


This version allows bank transfers