Everything you need to know about using FinqMarket
A deep dive into our technology, benefits, and how we help Romanian local producers thrive in the digital economy.
Built for the way modern markets should actually work.
We didn't invent a new payment rail. We took the one every Romanian bank already supports — PSD2-enabled open banking — and wrapped it in the smallest possible UI so a farmer selling tomatoes and a buyer holding a phone can transact in under 20 seconds.
Flat 1% per transaction
No card processor in the middle. No POS rental. No monthly subscription. You pay a flat 1% fee only when you actually sell something.
Money lands instantly
Straight bank transfer, straight to your IBAN. No 2–7 day settlement window. No reserve. What the buyer sends, you receive.
No app for buyers
Your customer already has a camera and a banking app. That's enough. No install, no account, no onboarding — the friction is zero.
Fits every Romanian entity
PFA, Intreprindere Individuala, SRL or an agricultural cooperative — same onboarding, same five-minute setup, same flat 1% fee.
One dashboard, zero chaos
See every sale, every settlement, every payout. Reconcile by the FMKT-XXXX reference on your bank statement. We keep the ledger; you keep the crops.
PSD2 secure by design
Every transaction is strong-authenticated by the buyer's bank. No card data ever touches our servers, because there is no card. Chargeback risk: effectively zero.
A sticker. That's the whole hardware stack.
Each product or service gets its own QR code, printed on an A4 sheet you can cut up and tape anywhere. Built to stay readable even after a rainy market day.
- Print-ready A4 sheet, one listing per tile
- Weather-resistant slug — OCR-safe alphabet
- Re-printable anytime, no re-registration
One fee. No surprises.
You only pay when you sell. Everything else — hosting, QR generation, dashboard, reconciliation — is included.
- ● Unlimited product listings
- ● Unlimited QR prints
- ● Live order dashboard
- ● Bank reconciliation by FMKT-XXXX ref
- ● SMS receipts to buyers
Still on the fence?
The six questions we get most often from merchants and buyers.
Read the full FAQIs it safe for buyers?
Payment happens entirely inside your own banking app — the same app you already use to send money to friends. FinqMarket never sees, stores, or forwards any card or banking credentials, because there is no card involved in the flow.
Which Romanian banks work?
Every Romanian bank required to support PSD2-enabled open banking — which is all of them. BRD, ING, Banca Transilvania, Raiffeisen, CEC Bank, BCR, Alpha, Unicredit, OTP, Libra, First Bank and more.
Do I need to install anything as a buyer?
No. You scan the QR with your phone's built-in camera, the page opens in your browser, and your existing banking app handles the rest. No FinqMarket account, no app download, no password.
What does it actually cost the merchant?
Flat 1% per transaction, period. No subscription, no setup fee, no chargeback reserve, no long-term contract. If you don't sell, you don't pay.
How do merchants receive the money?
Direct bank transfer to the IBAN you connected at onboarding. Each payment carries an FMKT-XXXX reference in the remittance info, so you can reconcile against your bank statement easily.
Which business types are eligible?
PFA (Persoana Fizica Autorizata), Intreprindere Individuala, SRL, and agricultural cooperatives — any Romanian legal entity that sells food and has a business bank account.