Fintecture

Fintecture is connected with most European banks and enables a user to initiate a payment directly from their bank account. This results to a bank transfer sent from the user's bank account directly to your bank account, skipping all intermediaries. Within the SEPA region, transfers take between 10 seconds to 1 business day to arrive on your bank account. No hidden fees. Check out our website.

Prerequisites

Make sure you have installed all of the following prerequisites on your development machine:

• Rails - Download & Install Ruby on Rails

Running the sample

Before execute the sample you should change the redirect_url in the .env file in order to connect come back to the server you will run this project. Replacing the port number for yours should be enough.

redirect_url="http://localhost:[your port]/callback"

Run the server

$ rails server

The server will executed on port 3000 by default as usual. You can change the port by specifying --port 3000 or -p 3000.

$ rails server --port [your port]

Set Up (.env)

This sample project has a .env_example file that provides fake parameters, you should replace the values with yours. To do that you have to create an application before on the developer console.

fintecture_app_id="a229d811-0f17-4295-b135-99bb1cb2ca63s"
fintecture_app_secret="a50afa3e-fea5-4bb8-86bd-b52c945fc0e8g"
fintecture_app_private_key="-----BEGIN PRIVATE KEY-----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\nWosgDj9AGW6w4ETDnTGCA1QQ=\n-----END PRIVATE KEY-----"

Your config/initializers/fintecture.rb file in initializers will be in charge to load those variables:

Fintecture.app_id = ENV['fintecture_app_id']
Fintecture.app_secret = ENV['fintecture_app_secret']
Fintecture.private_key = ENV['fintecture_app_private_key']

Set Up (secrets.yml)

This sample project has a secrets.yml file that provides fake parameters, you should replace the values with yours. To do that you have to create an application before on the developer console.

fintecture_app_id: a229d811-0f17-4295-b135-99bb1cb2ca63s
fintecture_app_secret: a50afa3e-fea5-4bb8-86bd-b52c945fc0e8g
fintecture_app_private_key: |
  -----BEGIN PRIVATE KEY-----
  MIIEvQIBADANBgkqhkiG9w0BAQEFAASCBKcwggSjAgEAAoIBAQDI8ft2cX5Zos3X
  PLT5/XlM6GYxAc122+fufVEKlMWIxZiSVfElhvznTa5jQPyTw5dshBZCZ6EZK/RT
  oGZTrUC7EE6/ZI5gvVz6foVQHbpMIyGQ0dL2ne/2+gSxmOO3XtdIYQp7k0uINtUr
  2Pbzi8n//FRj9TJqpQoHN1PB+UPBzjklis8o4pZctZ9HVpzb6vK8qga1L+ja+E7K
  d9EdueV5Y29Uh7bPoGDGrFjZrQpcbvHEIvlvdMIabrpBu/4uzZ4f663as/vHDMDr
  9zP4VOpZcME4D2UBiRiztbDQukgUQnYMudHfN6zuYIAig9eSI2sPQlgciUWJ+ryD
  WkmwRozPAgMBAAECggEAV3+O6KdIxk0u5m8nusdVn1h+zw4i4oOk/WMR+9KGJSUt
  Z2MGyzl5PFrF+bAdi1YaxITLkITBUE2kaRmqFPuW+R2DvLFTkepC50xaTmVzbp3J
  it7ixsJE8D0z+AVD+t/QTFL9Fowv0pNVxW8HMUuIXPAJ6zCkkG1m7Xd5ADjC+UtF
  QAaVHcAmz2lKRBCP9lzzCN2TfVpMGu71KcpaPXXhzuHWXsi2jEWyjvPajfLQvlQI
  UVsLRJsNlz1PILslU/tuu2vASmpl7aWy+PxXGYTd7UOqeQ+es4xYpxmMfR2hhV4Y
  OVOMRtqzmgh8QCEsuVfuA5sXxrksc/0J7iGXm2+SYQKBgQD9CoJmPt8KicQDkbsY
  i6fjbhWOsVm1iWZJjXQR1XwsDmOmlK8gBfwHm2wFhaRt5G1jeo0/Trme4bKpvSOn
  ddGJjJln3vk7TwcCquo/G7D+ZzB3IqL2FEqZqPFTTTu/eVHVtPXUurt4SpkZnzH+
  1vt3YKKDq31e4auBIW+ZBbl2UQKBgQDLS4WGQTCVZleeQ02PbdSd2IcQL/4ye3ao
  m6btC0GmrhhTd+rXdVdRRxxkkmnQDLVOnj05dCXOxtnhVMTsU+B4hUTNQvp8gW1c
  BID5p08kvUOjSrfjkE5dIyp08H9cuFTuwL55sIvvs5NimJ8fWoaOCb1pgtzrVrl7
  o40uRCppHwKBgQCPUWd//7YWYucZWm4MvfTONKiTFFIKJxM/L5YBD9hvn4rDa80w
  pxMTP+1Tx1jVQR7PzDa6F528pnqp9s196JZQgMjWcwzYka8XzLQ2IDoELW/e2khQ
  dje2hmCA3OqtTUqTbxYZcdYCkMXcJDWN8Denap1BVF0C43BfCBAMLJjZsQKBgFRl
  UtZMY+Xx6bfrCtzbZKPuywteUTIV7UnL7H2F6chPiAvGwbiWnxw/4DqkScc0L2Sm
  7pXWcQepp7QS4/mUTKDb+pcYEjLz7DmCKST7XzDKXbUBhNu1AcNKoQqQ+N6+K4w+
  ehS8xStKqooJAC4c/7Uht/+Ac0RD6Za5bBfj9pNTAoGAGHiUKyN/wB5joM6/K7bm
  StLwtZclgd2jkqPp5yuhmSpXPkQmEePhWrHuEx2pF6hdSvI1RRydNgTn0YmpB0bM
  WDQPSNRwcsKTJVM2qb6Xx2ziBhGZf1vdyYLlin+vigoWgGg5xUAsUG0cGbloZ/dB
  WosgDj9AGW6w4ETDnTGCA1QQ=
  -----END PRIVATE KEY-----

Your config/initializers/fintecture.rb file in initializers will be in charge to load those variables:

Fintecture.app_id = Rails.application.secrets.fintecture_app_id
Fintecture.app_secret = Rails.application.secrets.fintecture_app_secret
Fintecture.private_key = Rails.application.secrets.fintecture_app_private_key

Set Up (credentials.yml.enc)

This sample project has a credentials.yml.enc file that provides fake parameters, you should replace the values with yours. To do that you have to create an application before on the developer console.

To open it you could use this command line

EDITOR=vim rails credentials:edit

This is the fintecture structure configuration you should have (using your values).

fintecture_app_id: a229d811-0f17-4295-b135-99bb1cb2ca63s
fintecture_app_secret: a50afa3e-fea5-4bb8-86bd-b52c945fc0e8g
fintecture_app_private_key: |
  -----BEGIN PRIVATE KEY-----
  MIIEvQIBADANBgkqhkiG9w0BAQEFAASCBKcwggSjAgEAAoIBAQDI8ft2cX5Zos3X
  PLT5/XlM6GYxAc122+fufVEKlMWIxZiSVfElhvznTa5jQPyTw5dshBZCZ6EZK/RT
  oGZTrUC7EE6/ZI5gvVz6foVQHbpMIyGQ0dL2ne/2+gSxmOO3XtdIYQp7k0uINtUr
  2Pbzi8n//FRj9TJqpQoHN1PB+UPBzjklis8o4pZctZ9HVpzb6vK8qga1L+ja+E7K
  d9EdueV5Y29Uh7bPoGDGrFjZrQpcbvHEIvlvdMIabrpBu/4uzZ4f663as/vHDMDr
  9zP4VOpZcME4D2UBiRiztbDQukgUQnYMudHfN6zuYIAig9eSI2sPQlgciUWJ+ryD
  WkmwRozPAgMBAAECggEAV3+O6KdIxk0u5m8nusdVn1h+zw4i4oOk/WMR+9KGJSUt
  Z2MGyzl5PFrF+bAdi1YaxITLkITBUE2kaRmqFPuW+R2DvLFTkepC50xaTmVzbp3J
  it7ixsJE8D0z+AVD+t/QTFL9Fowv0pNVxW8HMUuIXPAJ6zCkkG1m7Xd5ADjC+UtF
  QAaVHcAmz2lKRBCP9lzzCN2TfVpMGu71KcpaPXXhzuHWXsi2jEWyjvPajfLQvlQI
  UVsLRJsNlz1PILslU/tuu2vASmpl7aWy+PxXGYTd7UOqeQ+es4xYpxmMfR2hhV4Y
  OVOMRtqzmgh8QCEsuVfuA5sXxrksc/0J7iGXm2+SYQKBgQD9CoJmPt8KicQDkbsY
  i6fjbhWOsVm1iWZJjXQR1XwsDmOmlK8gBfwHm2wFhaRt5G1jeo0/Trme4bKpvSOn
  ddGJjJln3vk7TwcCquo/G7D+ZzB3IqL2FEqZqPFTTTu/eVHVtPXUurt4SpkZnzH+
  1vt3YKKDq31e4auBIW+ZBbl2UQKBgQDLS4WGQTCVZleeQ02PbdSd2IcQL/4ye3ao
  m6btC0GmrhhTd+rXdVdRRxxkkmnQDLVOnj05dCXOxtnhVMTsU+B4hUTNQvp8gW1c
  BID5p08kvUOjSrfjkE5dIyp08H9cuFTuwL55sIvvs5NimJ8fWoaOCb1pgtzrVrl7
  o40uRCppHwKBgQCPUWd//7YWYucZWm4MvfTONKiTFFIKJxM/L5YBD9hvn4rDa80w
  pxMTP+1Tx1jVQR7PzDa6F528pnqp9s196JZQgMjWcwzYka8XzLQ2IDoELW/e2khQ
  dje2hmCA3OqtTUqTbxYZcdYCkMXcJDWN8Denap1BVF0C43BfCBAMLJjZsQKBgFRl
  UtZMY+Xx6bfrCtzbZKPuywteUTIV7UnL7H2F6chPiAvGwbiWnxw/4DqkScc0L2Sm
  7pXWcQepp7QS4/mUTKDb+pcYEjLz7DmCKST7XzDKXbUBhNu1AcNKoQqQ+N6+K4w+
  ehS8xStKqooJAC4c/7Uht/+Ac0RD6Za5bBfj9pNTAoGAGHiUKyN/wB5joM6/K7bm
  StLwtZclgd2jkqPp5yuhmSpXPkQmEePhWrHuEx2pF6hdSvI1RRydNgTn0YmpB0bM
  WDQPSNRwcsKTJVM2qb6Xx2ziBhGZf1vdyYLlin+vigoWgGg5xUAsUG0cGbloZ/dB
  WosgDj9AGW6w4ETDnTGCA1QQ=
  -----END PRIVATE KEY-----

Your config/initializers/fintecture.rb file in initializers will be in charge to load those variables:

Fintecture.app_id = Rails.application.credentials.fintecture_app_id
Fintecture.app_secret = Rails.application.credentials.fintecture_app_secret
Fintecture.private_key = Rails.application.credentials.fintecture_app_private_key