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SPECIFICTION
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Fire Payments API

fire.com

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Spec score 7.7 #5 of 22 in Open Banking Payment Platforms

What it is

Fire Payments API connects Fire’s digital payment services to applications and back-office systems, letting fintechs and corporate clients automate payment processes. It can initiate batches of internal transfers and local or cross-border payouts, issue cards, and manage card blocks and limits. Businesses can create bank-transfer payment requests with added information for reconciliation, retrieve transaction, payee, user and balance data, and move funds between Fire accounts in real time. Developers can use Fire’s OpenAPI specification to build backend integrations in their preferred programming language. Customers need to contact sales to open a Fire account before configuring an API application and its permissions. Fire says payment batches are authorised and authenticated through the Fire for Business mobile app, within a framework designed to meet PSD2 technical standards. Fire-EU is regulated by the Central Bank of Ireland, while Fire-UK is authorised by the FCA. Customer funds are held separately from operational funds; this is not a bank deposit guarantee. Pricing is paid, from €10/mo, with corporate pricing available on request.

Spec sheet

Purpose
The Fire Payments API integrates Fire’s digital payment services into applications and back-office systems to automate payment processes.Read 28 Sep 2026 · fire.com
Integrations
Fire provides an OpenAPI specification that developers can use with their preferred programming language to build a client library for backend integration.Read 28 Sep 2026 · docs.fire.com
Security
Fire says its payment services use a security framework designed to meet PSD2 technical standards, including authorisation and authentication of payment batches through the Fire for Business mobile app.Read 28 Sep 2026 · fire.com
Support
Fire directs prospective customers to [email protected] and existing customers to [email protected].Read 28 Sep 2026 · fire.com
Headquarters
Dublin, IrelandRead 28 Sep 2026 · fire.com
Founded
2010Read 28 Sep 2026 · fire.com
Account setup
Fire says customers should contact its sales team to create a Fire account before setting up an API application with selected permissions.Read 28 Sep 2026 · docs.fire.com
Cards
The API can issue cards and let customers block or unblock them and manage limits from their own systems.Read 28 Sep 2026 · fire.com
Cash flow
Customers can check balances and transfer funds between their Fire accounts in real time through the API.Read 28 Sep 2026 · fire.com
Intended customers
Fire says it focuses on fintechs and corporate clients that need integrated payment processing as part of their business.Read 28 Sep 2026 · fire.com
Notable limits
Fire’s TPP API documentation says it does not currently support standing orders, scheduled payments or the event notification API.Read 28 Sep 2026 · fire.com
Open banking
The API can create payment requests so customers can pay by bank transfer, with additional data collected for reconciliation.Read 28 Sep 2026 · fire.com
Payouts
The API can initiate batches of internal transfers and local or cross-border payouts from a customer’s own systems.Read 28 Sep 2026 · fire.com
Reconciliation
The API can retrieve current transaction, payee, user and balance information to support automated reconciliation and internal operations.Read 28 Sep 2026 · fire.com
Regulation
Fire-EU is regulated as a Payment Institution by the Central Bank of Ireland and Fire-UK is authorised as an Electronic Money Institution by the FCA.Read 28 Sep 2026 · fire.com
Safeguarding
Fire says customer funds are safeguarded in accounts separate from its operational funds, and this safeguarding is different from bank deposit guarantee schemes.Read 28 Sep 2026 · fire.com

Plans and prices

Fire Business Account (API access) Priced on request Contact Fire’s sales team for an account; customised corporate pricing is available on request. API access requires a Fire account · standard business fees vary by service and currency Read 28 Sep 2026 · fire.com

Every Fire Payments API plan and price →

Strong points and limits

Strong points

  • Batch transfers and local or cross-border payouts
  • Card issuance and limit management
  • Real-time balances and transfers between Fire accounts
  • OpenAPI specification for backend integration

Limits

  • No free plan
  • Account setup requires contacting sales
  • No standing orders or scheduled payments
  • No event notification API

Who it suits

It suits fintechs and corporate clients that need payment processing integrated into their own systems. Teams should note that account setup starts with contacting Fire’s sales team.

Verdict

The API covers payment execution, card management, and reconciliation within business systems. Its stated gaps include scheduled payments, standing orders, and event notifications.

Where Specifiction places it

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