3 August 2026

Increase your average cart value and conversion rate with innovative payment solutions

Current Challenges

Today, companies face new challenges, particularly in terms of customer retention , conversion rates, and average order value. In addition to having to overcome customers’ reluctance to provide their payment information, they must also deal with issues such as payment declines and abandoned , which have a direct impact on sales and, consequently, on business growth. That is why it has become essential to offer a frictionless payment experience.

The Emergence of Innovative Payment Solutions

Instant Transfer

Since PSD2 took effect, numerous Open Banking payment solutions have emerged on the market, setting themselves apart from traditional payment solutions. These new solutions provide merchants with integrated solutionsintegrated solutions, with no disruption to the customer journey, to process payments for large shopping carts—which are typically blocked by credit card spending limits. This is the promise of the instant transfer: an innovative, seamless, and secure payment solution.

How does it work?

Thanks to Open Banking technology, it is now possible to connect directly to banks’ APIs to offer automated account-to-account payments. This approach ensures a secure, direct connection between the merchant’s bank and the payer’s bank, thereby eliminating all intermediaries that previously disrupted the flow of payments and led to unjustified rejections.

The payment process is made simple for the payer: they select their bank, log in using their usual credentials, confirm the payment with two-factor authentication, and the payment is confirmed.

A Secure Payment Experience

The payment experience is just as seamless as paying with a card, while avoiding the hassles often associated with traditional bank transfers. For the merchant, it is no longer necessary to share their IBAN, which eliminates the fraud risks associated with this practice. As for the payer, they no longer need to add a new payee to make a transfer. The payment is completed in just a few clicks, and the merchant receives immediate confirmation of the payment, with the funds deposited directly into their bank account.

Benefits for the payer

An Optimal Customer Experience

AsAs mentioned earlier, this innovative payment solution offers a fully optimized, frictionless, and completely secure customer experience. In fact, the payment is processed directly through the payer’s secure online banking portal, therebythe payer’s peace of mind and the protection of their data. No sensitive information is transmitted or collected by the service provider during the payment initiation process.

ThanksThanks to instant transfer technology, the payer is no longer limited by bank limits or potential rejections, since this type of transfer establishes a direct connection between the payer’s bank and the merchant’s bank, thereby benefiting from the limits associated withrather than those associated with credit cards.

Faster delivery

As soon as the payment is made, the merchant receives an instant confirmation. Since the payment is irrevocable, the merchant can prepare the order without having to wait for the funds to be credited to their bank account. This allows them to release inventory and ensure that their customer receives the order faster than with a traditional bank transfer, which can take up to 3 business days to reach the merchant’s bank account.

Fintecture is a French company whose mission is to transform and digitize bank transfer payments—both for making and receiving payments—enabling businesses to unlock their revenue. Regulated by the ACPR, the fintech company is actively involved in the fight against fraud and has deployed a secure, proprietary payment infrastructure, based in part on open banking.

Bank transfer payment solutions streamline the ordering process, without any limitations related to credit card spending limits, and without interrupting the payer’s experience. This is the case for Racetools, which saw its average cart value increase by 273% thanks to our bank transfer solutions.

Benefits for the Merchant

Don’t let orders with failed payments slip through the cracks anymore

Customize the user flow on your website to offer payment via Fintecture in the event of a failed credit card transaction. You can also retry orders with failed payments asynchronously and offline by generating payment links from Fintecture. Include these links in an email specifically for orders with failed payments.

Replace Check Payments with Fintecture

If some of your customers still want to pay by check, encourage them to switch to Fintecture transfers. This will save you time on time-consuming tasks and reduce the risk of unpaid bills. Learn how to remove check payments in this article.

Maintain your customers’ payment habits

Traditional bank transfers remain the preferred payment method for merchants, particularly in B2B transactions where the buyer does not always have access to their company’s bank account. In this situation, we suggest you adopt Fintecture’s smart transfer solution. For your customer, the payment experience will be similar to that of a traditional bank transfer. On your end, you’ll benefit from simplified reconciliation and real-time payment tracking thanks to our personalized IBAN system.