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APIs · head to head

Fintecture vs Griffin

Fintecture logo

Fintecture

APIs

French open banking payments built around B2B invoice collection

From
On request
Rated
-
Full reviewWebsite
Griffin logo

Griffin

APIs

UK banking-as-a-service from a company that holds its own full banking licence

From
£100/month
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: 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.; Griffin platform banking carries a one-off onboarding fee from 15,000 pounds and a 3,500 pound monthly minimum, which prices out early-stage companies entirely.
  • They diverge on capability: Fintecture covers Invoice payment links, Griffin covers Bank accounts by API.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Fintecture and Griffin actually diverge.

Attributes where Fintecture and Griffin differ
AttributeFintectureGriffin
Starting priceOn request£100/month
Pricing modelquotePer month with usage drawdown
PlatformsWeb, APIWeb, REST 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 Fintecture

  • Invoice payment links
  • Immediate bank transfer
  • Deferred and instalment payment
  • Automatic reconciliation
  • Multi method checkout
  • Recurring collection
  • ERP and accounting integration
  • Payer verification

Only in Griffin

  • Bank accounts by API
  • UK payment rails
  • Integrated ledger
  • Automated onboarding
  • Debit cards
  • Interest on balances

What people use each for

The jobs each tool is most often brought in to do.

Fintecture

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

Griffin

  • A wealth platform that must hold client money in a licensed bank rather than an EMI safeguarding accountnot Fintecture
  • A lender wanting UK accounts and payment rails without becoming a bank itselfnot Fintecture
  • A fintech burned by sponsor bank instability that wants the deposit holder and the API provider to be the same entitynot Fintecture
  • A platform needing sub-account ledgering for pooled client funds with a clean audit trailnot Fintecture

Where each one falls short

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

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.

Griffin

  • Platform banking carries a one-off onboarding fee from 15,000 pounds and a 3,500 pound monthly minimum, which prices out early-stage companies entirely.
  • It is UK-only, so a business with European or US operations needs a second banking provider and a second integration for those entities.
  • It is a young bank with a small balance sheet relative to incumbents, and enterprise counterparties still ask hard questions about concentration risk.
  • Holding a banking licence means Griffin applies bank-grade due diligence to its own clients, so onboarding is slower and more selective than an EMI-based provider.
  • Feature breadth is narrower than long-established providers, particularly in card programme management and in payment types beyond core UK rails.

Pricing, plan by plan

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

Griffin

£100/month
  • Business Banking$100/month
    • From 100 pounds per month
    • Interest or commission from around 1.75 percent AER variable
    • Operational accounts and UK payment rails
  • Platform Banking$3500/month
    • One-off onboarding fee from 15,000 pounds
    • Minimum monthly spend of 3,500 pounds, drawn down by usage
    • Higher committed tiers at 5,000 and 10,000 pounds with discounts
  • Enterprise$undefined/month
    • Custom pricing
    • Bespoke account structures and volumes
    • Negotiated interest or commission share

Which should you pick?

Choose Fintecture if

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

Choose Griffin if

  • You need bank accounts by api.
  • You work on Web, REST API.
  • You also want uk payment rails.
Griffin review

Questions people ask

Is Fintecture or Griffin better?
Neither clearly leads. Fintecture starts at On request and Griffin at £100/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Fintecture or Griffin?
Fintecture starts at On request and Griffin at £100/month.
Does Fintecture or Griffin run on more platforms?
Fintecture runs on Web, API. Griffin runs on Web, REST API.
What is Fintecture best used for?
Fintecture is most often used for a french wholesaler collecting large invoice payments where card acceptance cost is prohibitive, a supplier that spends hours each week matching incoming bank transfers to open invoices, a business offering trade customers instalment terms without carrying the credit risk itself, a professional services firm sending payment links with each invoice rather than bank details in an email. Of those, a french wholesaler collecting large invoice payments where card acceptance cost is prohibitive and a supplier that spends hours each week matching incoming bank transfers to open invoices are not what Griffin is typically brought in for.
What can Fintecture do that Griffin cannot?
Fintecture covers Invoice payment links, Immediate bank transfer, Deferred and instalment payment, Automatic reconciliation. Griffin covers Bank accounts by API, UK payment rails, Integrated ledger, Automated onboarding.

Answered from the vendors’ own pages

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.

Griffin: Is Griffin actually a bank?

Yes. It received a UK banking licence with restrictions in March 2023 and a full licence in March 2024 after exiting mobilisation.

Fintecture: Who carries the risk on deferred payment?

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

Griffin: What does it cost?

Business banking from 100 pounds a month; platform banking from a 15,000 pound onboarding fee plus a 3,500 pound monthly minimum drawn down by usage.

Fintecture: Does it work outside France?

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

Griffin: Does it cover Europe?

No. Griffin is a UK bank serving UK accounts and UK payment rails.

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