Direct Charge API

Direct Charge is Fincra's solution for businesses that require complete control over their payment processing workflows. This product offers a streamlined API integration for processors and businesses, a tailored solution that works with your app, allowing you to initiate charges across all supported currencies and payment methods through a minimal set of endpoints.

With the Direct Charge, you can implement your UI, tailor your payment flow and control the customer experience as you see fit.

How does direct charge work?

The process of charging a customer consists of three key steps:

• Initiate charge: This involves sending the transaction details and the customer's payment data to the initiate charge endpoint.
• Authorize charge: Depending on the payment method, customers may need to authenticate the transaction with their payment provider. The payment provider could be a card issuer or mobile money operator. authorize charge endpoint
  • Card: May require OTP verification or 3D Secure authentication.
  • Mobile Money: Currencies like GHS requires confirmation via the customer's mobile device
• Verify charge: We strongly advise that you make a call to the verify charge endpoint to verify the transaction status before you give any value to the customer.

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Direct Charge Options

Via the Direct Charge API, we currently offer support for the below payment methods:

• Bank Transfer
• Card Payments
• Mobile Money Payments
• EFT Payments

Important Requirements

Note: To process card payments using the Direct Charge API, your business must be PCI-DSS compliant. This ensures you meet the security standards required to handle sensitive card data directly.

Best Practices

• Consider implementing webhooks to receive real-time payment status updates.
• Store transaction references for reconciliation and customer support
• Implement retry logic for failed transactions where appropriate