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

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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.