Direct Charge is ideal when you require greater control or a customized solution that integrates with your app. Fincra offers a Direct Charge API, allowing you to securely collect customer payment information while implementing your own user interface and payment flow.

With a single integration, Fincra's Checkout enables you to accept payments through various methods, including card, bank transfer, mobile money, and Pay with PayAttitude. The Checkout features Fincra's user-friendly interface and seamless payment flow. Here's an example of Fincra's Checkout in action:

Payment methods

Our checkout solution offers a gateway to various payment methods. Some of the supported methods include:

1. Card
2. Bank Transfer
3. Mobile money
4. USSD via PayAttitude

Supported currencies for direct charge

Some of the currencies supported for direct charge are listed below. You can see the full list of supported currencies here.

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.
• Authorise charge: The customer authorises the Charge with their payment provider. The payment provider could be a bank, card issuer or mobile money operator.
• Verify charge: We strongly advise that you make a call to the verify charge endpoint to ensure that the payment was successful 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