Payins
Overview
Collect payments locally across multiple countries via bank accounts, virtual accounts, QR codes, and e-wallets. The PAYIN infrastructure is designed to offer a seamless local experience while giving flexibility to settle funds either locally or globally.
Supported Countries
Finmo supports 40+ Payin currencies. Find more information on the currency-specific payin methods, refer to the Payin api docs.
PAYIN Models
| Model | Description |
|---|---|
| Collect & Settle (Locally or Globally) | Funds collected and settled in the same country and currency, OR into a global account |
| Collect & Payout | Funds collected are used for local or global payouts |
Payin Statuses
Detail the key status changes in a Payin transaction.
| Status | Description |
|---|---|
| CREATED | Payin request is sent via API |
| CANCELLED | Payin was cancelled (if selected while creation) |
| PENDING | Payin is being processed; awaiting fund receipt confirmation |
| AWAITING_FUNDS | If the customer has completed the transaction, but Finmo is still waiting to receive funds from the partner bank |
| COMPLETED | Once credits are successfully applied |
| EXPIRED | The checkout link expired before a payment was made |
| FAILED | Payin processing failed |
Information
When a customer attempts a partial payment against a PENDING Payin, Finmo typically returns the funds to the sender. However, if the sender’s bank or network does not support automatic reversals, the funds may need to be manually accepted.
Updated about 1 month ago