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APIs · head to head

Convoy vs Fintecture

Convoy logo

Convoy

APIs

Open source webhooks gateway you self-host, handling both sending and receiving

From
Free
Rated
-
Full reviewWebsite
Fintecture logo

Fintecture

APIs

French open banking payments built around B2B invoice collection

From
On request
Rated
-
Full reviewWebsite

The short version

  • Only Convoy has a free tier, so it costs nothing to try first.
  • Each has a real cost: Convoy the default deployment is self-hosted, so you operate Convoy plus Postgres and Redis and carry the on-call burden for the system that delivers your customers' events.; 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: Convoy covers Inbound and outbound, Fintecture covers Invoice payment links.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Convoy and Fintecture actually diverge.

Attributes where Convoy and Fintecture differ
AttributeConvoyFintecture
Starting priceFreeOn request
Pricing modelPer month, flat rate regardless of volumequote
Free tierYesNo
PlatformsLinux, Docker, Kubernetes, CloudWeb, API

Identical on both: 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 Convoy

  • Inbound and outbound
  • Broker-driven ingestion
  • Payload transformation
  • Portal links
  • Circuit breaking
  • Retry policies
  • OpenTelemetry export
  • Role-based access control

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.

Convoy

  • A fintech that cannot route customer webhook traffic through a third-party SaaS for compliance reasonsnot Fintecture
  • A high-volume platform for which per-message webhook pricing costs more than the flat premium licencenot Fintecture
  • A team that also receives webhooks from many providers and wants ingestion, verification and deduplication in the same gatewaynot Fintecture
  • An engineering group that wants webhook delivery driven directly from an existing Kafka or SQS topicnot Fintecture

Fintecture

  • A French wholesaler collecting large invoice payments where card acceptance cost is prohibitivenot Convoy
  • A supplier that spends hours each week matching incoming bank transfers to open invoicesnot Convoy
  • A business offering trade customers instalment terms without carrying the credit risk itselfnot Convoy
  • A professional services firm sending payment links with each invoice rather than bank details in an emailnot Convoy

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Convoy

  • The default deployment is self-hosted, so you operate Convoy plus Postgres and Redis and carry the on-call burden for the system that delivers your customers' events.
  • Frain Technologies is a small startup, and putting customer-facing delivery infrastructure on it means accepting real vendor continuity risk on a component that is hard to swap out quickly.
  • The premium tier at a flat 999 US dollars a month is poor value below substantial volume, while the community edition omits the portal, transformations and RBAC that most production deployments end up wanting.
  • The hosted cloud trial is capped at one project and 100 events a day, which is too small to properly evaluate the service before committing.
  • Documentation and the third-party ecosystem are thinner than the established webhook services, so unusual configurations often mean reading the Go source.

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

Convoy

Free
  • CommunityFree
    • Self-hosted open source gateway
    • Inbound and outbound webhooks
    • Automatic retries and message broker support
  • Premium$999/month
    • Flat rate irrespective of message volume
    • Portal links and payload transformation
    • RBAC, circuit breaking and white labelling
  • Enterprise$undefined/year
    • SAML SSO
    • Dedicated support with SLA
    • On-premises deployment assistance
  • Cloud$undefined/month
    • Hosted by Convoy
    • 14 day trial limited to one project and 100 events a day
    • Usage-based tiers above the trial

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 Convoy if

  • You need inbound and outbound.
  • You want to start without paying.
  • You work on Linux, Docker, Kubernetes, Cloud.
  • You also want broker-driven ingestion.
Convoy review

Choose Fintecture if

  • You need invoice payment links.
  • You work on Web, API.
  • You also want immediate bank transfer.
Fintecture review

Questions people ask

Is Convoy or Fintecture better?
Neither clearly leads. Convoy starts at Free and Fintecture at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Convoy or Fintecture?
Convoy has a free tier; the other does not. Paid plans start at Free for Convoy and On request for Fintecture.
Does Convoy or Fintecture run on more platforms?
Convoy runs on Linux, Docker, Kubernetes, Cloud. Fintecture runs on Web, API.
Can I use Convoy for free?
Yes. Convoy has a free tier, so you can try it without paying. Fintecture starts at On request.
What is Convoy best used for?
Convoy is most often used for a fintech that cannot route customer webhook traffic through a third-party saas for compliance reasons, a high-volume platform for which per-message webhook pricing costs more than the flat premium licence, a team that also receives webhooks from many providers and wants ingestion, verification and deduplication in the same gateway, an engineering group that wants webhook delivery driven directly from an existing kafka or sqs topic. Of those, a fintech that cannot route customer webhook traffic through a third-party saas for compliance reasons and a high-volume platform for which per-message webhook pricing costs more than the flat premium licence are not what Fintecture is typically brought in for.
What can Convoy do that Fintecture cannot?
Convoy covers Inbound and outbound, Broker-driven ingestion, Payload transformation, Portal links. Fintecture covers Invoice payment links, Immediate bank transfer, Deferred and instalment payment, Automatic reconciliation.

Answered from the vendors’ own pages

Convoy: Is Convoy really open source?

Yes, the community edition is open source and self-hostable, covering both inbound and outbound webhooks with retries.

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.

Convoy: What does premium cost?

A flat 999 US dollars a month, self-hosted, regardless of message volume.

Fintecture: Who carries the risk on deferred payment?

A financing partner underwrites it, which means acceptance criteria and declines are set outside your control.

Convoy: Does it receive webhooks as well as send them?

Yes, inbound ingestion with verification and deduplication is a first-class feature, unlike most webhook services.

Fintecture: Does it work outside France?

It operates in other European markets, but coverage and adoption are markedly weaker than in France.

Convoy: Do I have to self-host?

No, there is a hosted cloud, but the trial is capped at 100 events a day and self-hosting is the primary model.

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