APIs · head to head
Basis Theory vs Fintecture
Basis Theory
APIs
Developer tokenisation platform that holds card and sensitive data inside a PCI Level 1 environment you do not operate
- From
- $995/month
- Rated
- -
Fintecture
APIs
French open banking payments built around B2B invoice collection
- From
- On request
- Rated
- -
The short version
- Each has a real cost: Basis Theory the Starter plan is 995 US dollars a month before any volume, which is a real floor for an early stage company and puts the product out of reach of teams tokenising a few thousand records.; Fintecture coverage and merchant adoption are heavily French, so a European rollout means strong performance in one market and a thin experience in the rest.
- They diverge on capability: Basis Theory covers Tokenisation API, Fintecture covers Invoice payment links.
- Prices and features above were last checked on 1 September 2026.
Where they differ
Only the attributes on which Basis Theory and Fintecture actually diverge.
| Attribute | Basis Theory | Fintecture |
|---|---|---|
| Starting price | $995/month | On request |
| Pricing model | Per month by token volume | quote |
| Platforms | Web, iOS, Android, Linux | Web, API |
Identical on both: free tier (No), user rating (Not yet rated), category (APIs).
What each one covers
Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.
Only in Basis Theory
- Tokenisation API
- Hosted elements
- Outbound proxy
- PCI attestation of compliance
- Processor portability
- Reactors
- Access controls and audit
- PII and PHI options
Only in Fintecture
- Invoice payment links
- Immediate bank transfer
- Deferred and instalment payment
- Automatic reconciliation
- Multi method checkout
- Recurring collection
- ERP and accounting integration
- Payer verification
What people use each for
The jobs each tool is most often brought in to do.
Basis Theory
- A payments company that wants card on file without bringing its own infrastructure into PCI scope and paying for the assessment that followsnot Fintecture
- A merchant locked into a processor by that processor vault that wants to hold its own tokens and route to more than one acquirernot Fintecture
- A fintech collecting bank account and identity data that needs it isolated from its application database before an enterprise security reviewnot Fintecture
- A team that needs to send stored card data to a third party for a one-off integration without that data traversing its own serversnot Fintecture
Fintecture
- A French wholesaler collecting large invoice payments where card acceptance cost is prohibitivenot Basis Theory
- A supplier that spends hours each week matching incoming bank transfers to open invoicesnot Basis Theory
- A business offering trade customers instalment terms without carrying the credit risk itselfnot Basis Theory
- A professional services firm sending payment links with each invoice rather than bank details in an emailnot Basis Theory
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
Basis Theory
- The Starter plan is 995 US dollars a month before any volume, which is a real floor for an early stage company and puts the product out of reach of teams tokenising a few thousand records.
- Starter is limited to the US region, so a company with European data residency requirements is pushed into a quoted Scale or Enterprise agreement immediately.
- Log retention on Starter is 24 hours, which is well below what most security teams expect for a system holding cardholder data and forces an upgrade for reasons unrelated to volume.
- Migrating away means moving card data out of the vault, which requires processor and assessor involvement and is slow, so the portability argument that attracts buyers cuts against them at exit.
- An attestation of compliance covers the vendor environment, not your assessment; your assessor still decides what is in scope, and buyers occasionally discover their integration pattern pulled systems back into scope anyway.
Fintecture
- Coverage and merchant adoption are heavily French, so a European rollout means strong performance in one market and a thin experience in the rest.
- Deferred and instalment payment relies on a financing partner that sets acceptance criteria, so your business customers can be declined for reasons you cannot see or influence.
- As a payment initiator rather than an acquirer, Fintecture leaves refunds, disputes and settlement structure with the supplier, and there is no chargeback framework at all.
- Business to business bank payments require the payer to authenticate with their bank, and corporate banking authentication with dual approval is materially clunkier than consumer app redirects, which hurts conversion on large invoices.
- It is a smaller supplier than the pan European open banking firms, so bank API breakage outside France may take longer to fix and support depth is a legitimate procurement concern.
Pricing, plan by plan
Basis Theory
$995/month- Starter$995/month
- 20,000 tokens included
- Production PCI Level 1 environment
- US region only
- Scale$undefined/month
- Quoted
- Higher token volumes
- Additional regions
- Enterprise$undefined/month
- Quoted
- Additional compliance options for PII and PHI
- Responses for 95 percent of PCI SAQ D
Fintecture
On request- Fintecture payments$undefined/year
- Quoted per merchant, typically per transaction with volume tiers
- Deferred and instalment payment priced separately and underwritten by a financing partner
- No interchange on bank transfer payments
Which should you pick?
Choose Basis Theory if
- You need tokenisation api.
- You work on Web, iOS, Android, Linux.
- You also want hosted elements.
Choose Fintecture if
- You need invoice payment links.
- You work on Web, API.
- You also want immediate bank transfer.
Questions people ask
- Is Basis Theory or Fintecture better?
- Neither clearly leads. Basis Theory starts at $995/month and Fintecture at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Basis Theory or Fintecture?
- Basis Theory starts at $995/month and Fintecture at On request.
- Does Basis Theory or Fintecture run on more platforms?
- Basis Theory runs on Web, iOS, Android, Linux. Fintecture runs on Web, API.
- What is Basis Theory best used for?
- Basis Theory is most often used for a payments company that wants card on file without bringing its own infrastructure into pci scope and paying for the assessment that follows, a merchant locked into a processor by that processor vault that wants to hold its own tokens and route to more than one acquirer, a fintech collecting bank account and identity data that needs it isolated from its application database before an enterprise security review, a team that needs to send stored card data to a third party for a one-off integration without that data traversing its own servers. Of those, a payments company that wants card on file without bringing its own infrastructure into pci scope and paying for the assessment that follows and a merchant locked into a processor by that processor vault that wants to hold its own tokens and route to more than one acquirer are not what Fintecture is typically brought in for.
- What can Basis Theory do that Fintecture cannot?
- Basis Theory covers Tokenisation API, Hosted elements, Outbound proxy, PCI attestation of compliance. Fintecture covers Invoice payment links, Immediate bank transfer, Deferred and instalment payment, Automatic reconciliation.
Answered from the vendors’ own pages
Basis Theory: Does this make us PCI compliant?
It removes cardholder data from your systems and gives you an AOC plus documented responses for most of a SAQ D. Your assessor still determines your scope, and a careless integration can pull systems back in.
Fintecture: Is Fintecture aimed at retail checkout?
No. Its design centre is business to business invoice collection, where average values are high and reconciliation is the real problem.
Basis Theory: What does it cost to start?
995 US dollars a month on Starter, including 20,000 tokens, a production PCI Level 1 environment and US hosting. Higher tiers are quoted.
Fintecture: Who carries the risk on deferred payment?
A financing partner underwrites it, which means acceptance criteria and declines are set outside your control.
Basis Theory: Can we switch payment processors without re-collecting cards?
Yes, that is the main non-compliance reason to buy it. You hold the tokens and detokenise into whichever processor you route to.
Fintecture: Does it work outside France?
It operates in other European markets, but coverage and adoption are markedly weaker than in France.
Basis Theory: Is data stored outside the United States?
Not on Starter, which is US only. Other regions require a Scale or Enterprise agreement.
Related pages
More on Basis Theory
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