E-Commerce & Marketplaces

Accept globally. Settle locally. Grow everywhere.

Fincra enables e-commerce platforms and online marketplaces to accept payments from global customers, settle locally, and manage vendor payouts seamlessly.

The Problem

E-commerce and marketplace operators often face:

• Difficulty accepting payments from international customers.
• Complex vendor settlement processes across multiple regions.
• FX costs that eat into margins when converting global revenues.
• Refund and reconciliation challenges at scale.

The Fincra Solution

Fincra provides the rails to power global e-commerce and marketplace growth:

• Multi-currency collections for cross-border customers.
• Automated vendor payouts across African markets.
• FX APIs to manage conversions transparently.
• Built-in refunds and reconciliation tools.

What You Can Do

1. Accept global payments, settle locally

Offer customers a frictionless checkout experience.

• Accept payments in USD, GBP, EUR, CAD, and more.
• Local settlement in NGN, KES, GHS, and other African currencies.
• Fast reconciliation for smoother cash flow.

💡 How it works: An African marketplace accepts USD from a global buyer. Fincra collects in USD and settles directly to vendors in NGN.

2. Automate vendor payouts

Simplify how sellers and service providers get paid.

• Bulk and batch payouts with one API call.
• Real-time disbursements to bank accounts and wallets.
• End-to-end transparency with reconciliation logs.

💡 How it works: A marketplace pays thousands of vendors weekly across Nigeria and Ghana. Fincra automates disbursements, ensuring accuracy and compliance.

3. Simplify refunds and reconciliations

Manage post-payment operations with ease.

• Refund customers directly through APIs.
• Match payments and payouts with detailed reports.
• Reduce manual reconciliation overhead.

💡 How it works: An e-commerce platform issues instant refunds to dissatisfied customers while reconciling vendor settlements automatically via Fincra.

4. Manage FX exposure

Convert currencies at competitive rates.

• Real-time conversions for international sales.
• Avoid hidden fees or double conversions.
• Scalable FX coverage as sales grow.

💡 How it works: A marketplace receives EUR sales proceeds and needs to pay vendors in KES. Fincra’s FX APIs handle conversion instantly at competitive rates.

Why E-Commerce & Marketplaces Choose Fincra

• One API, multiple rails for collections, payouts, and refunds.
• Vendor-friendly settlements that keep marketplaces attractive.
• Trusted FX and compliance rails built for scale.
• Enterprise-grade reliability with SME-friendly integration.