Fincra alternative for paying out of a USDT or USDC balance
Fincra pays out from a balance held in your Fincra account. If your balance is already USDT or USDC, a Fincra alternative pays African bank and mobile money accounts from your partner wallet. Stay with Fincra for card checkout.
When to stay with Fincra
Your customers pay by card or payment link
Fincra Checkout and payment links take card payments, and Fincra publishes local card pay-in prices for Ghana, Kenya and Uganda. Unigox collections are bank transfer or mobile money only.
You send USDT or USDC to other wallets
Fincra's stablecoin payouts send USDT on Tron, Ethereum, Solana or BNB Chain, or USDC on Ethereum, Solana or BNB Chain, to a wallet address, once Fincra approves production access. Unigox Payments API payouts land in a bank or mobile money account.
You pay companies, or payees who will not verify
A Fincra payout names its beneficiary as an individual or a corporate and carries their account details. In the African markets on this page, a Unigox payout goes to the own bank or mobile money account of one of your customers, after that person has passed an identity check with Unigox.
Fincra payouts and the Unigox Payments API
Your company pays a bank or mobile money account in an African market from its balance.
| Topic | Fincra | Unigox |
|---|---|---|
| What it is | Payment APIs and a merchant dashboard: collections by card, bank transfer and mobile money, virtual accounts, currency conversion, and payouts to bank accounts, mobile money and stablecoin wallets. | A Payments API for local payouts and collections by bank account or mobile money, settled on your side in USDT or USDC. |
| Paying for a payout | From the balance in your Fincra account, topped up by deposit, a virtual account or a manual top-up. A payout in another currency needs a quote first. | From USDT or USDC topped up in your partner wallet. Each quote shows the rate, and your server signs the transfer into on-chain escrow. |
| Stablecoins | A payout destination: USDT on TRC-20, ERC-20, Solana or BEP-20 and USDC on ERC-20, Solana or BEP-20, sent to a wallet address. Production access is enabled on request. | The currency your company holds: payouts are paid for in USDT or USDC, and collections arrive in it. |
| Where money goes | Bank accounts, mobile money wallets, crypto wallets and other Fincra accounts. Mobile money is listed for GHS, KES, UGX, ZMW, TZS, XAF and XOF, among other currencies. | Your customer's own bank or mobile money account. A quote can limit the order to payment businesses connected to Unigox. |
| Pricing | Flat fees per payout for some markets:
| Per quote: the Unigox fee depends on the currency and payment method, and the quote lists it with your own fee and the total. An order that does not complete is not charged. |
| Going live | The sandbox needs no real documents; live API keys follow your completed KYC. | A call to agree markets, then KYB. The sandbox at api-staging.unigox.com opens after approval and setup, with the same endpoints as production. |
| Regulation | Fincra says it is registered with FINTRAC in Canada as a money services business and acts as an agent of e-money institutions in the UK and the EU. | Unigox works through two companies: UNIGOX NETWORK CORP. in Canada handles the local-money side and is registered with FINTRAC as a money services business and with the Bank of Canada as a payment service provider; UNIGOX NETWORK CORP. in Panama handles the crypto side, including wallets and escrow. |
UnigoxMove Fincra payouts to Unigox in three steps
Name your Fincra payout markets, then pass KYB
On a call, list the markets and payment methods you pay into through Fincra, then send your company documents. Your Fincra KYC does not carry over; API credentials follow approval.
Map your quote and payout calls
Rebuild the Fincra quote, payout and webhook handling against the Unigox sandbox, where your server signs each transfer and every customer passes an identity check.
Hold USDT or USDC, not a fiat balance
Stop topping up the Fincra balance for the payouts you moved: send USDT or USDC to your partner wallet and point those calls at api.unigox.com. Card checkout and stablecoin sends keep running on Fincra.
Fincra questions
What does Fincra do, and where does Unigox fit next to it?
Fincra collects payments by card, bank transfer and mobile money and pays out to banks, mobile money and stablecoin wallets from a balance in your Fincra account. Unigox is for the bank and mobile money payouts your company would rather pay for in USDT or USDC: the Payments API takes each payout's cost from your partner wallet.
How does the Fincra API compare with Unigox's Payments API?
Both report payout status by webhook. A Fincra payout debits your Fincra balance and needs a quote only when it changes currency. A Unigox quote lists the rate, the Unigox fee, your own percentage fee and the total, and your server signs the USDT or USDC transfer into on-chain escrow; if a funded payout does not complete, your server signs the refund back to your partner wallet.
Is Fincra pricing lower than Unigox for mobile money?
Fincra publishes a flat fee per payout in some markets, such as 100 KES by M-Pesa or 8 GHS to mobile money in Ghana, with custom pricing for large volumes. Unigox prices each order: the quote shows the fee for that currency and payment method before you commit, so request a quote at your usual payout size and set it against Fincra's fee.
Which other payment APIs compete with Fincra?
Other payment APIs for African payouts include Flutterwave and Cellulant, each compared with Unigox on its own page. Unigox is the one to look at when the money your company pays out is already USDT or USDC.
Read the Flutterwave comparisonFund your Fincra payout markets in USDT or USDC
Tell us the markets and payment methods you use on Fincra and your monthly payout volume. We answer with the Fincra payouts the Payments API can take over.
Fincra and other names and logos are trademarks of their respective owners. Unigox is not affiliated with, endorsed or sponsored by them. Information about other companies comes from public sources, mainly the companies' own websites, and each company can change its products and fees at any time.