1. Integration
Partner API
  • Getting Started
    • Introduction
    • Authentication
    • Business Use Cases
  • API References
    • Partner Operations
      • Balances & Transaction History
        • Get Balances
        • Get Transaction History
        • Create Wallet
      • Currency Exchange
        • Retrieve Exchange Rate
        • Retrieve Exchange Rate and Create a Lock
        • Create and Finalize an Exchange
        • Retrieve Detailed Exchange Information
      • SEPA Transfers
        • Get SEPA Deposit Info
        • Get SEPA Deposit Contact List
        • Create a SEPA Transfer
        • Get SEPA Transfer Details
      • Crypto Withdrawal
        • Get Network Fee
        • Create Crypto Withdrawal
        • Get Crypto Withdrawal Details
      • Crypto Deposits
        • Update Travel Rule
      • Orders
        • Get Rates
        • Retrieve Order Rate and Create a Lock
        • Create and Finalize an Order
        • Get Order Details
      • Payment link & Checkout Link
        • Generate Payment Link
        • Generate Hosted Checkout
        • Get Payment Link Details
    • User Operations
      • Onboarding & KYC Flow
        • Create User Account
        • Method A: Add KYC File
        • Method B: Creating KYC Verification
        • Method B: Redirect to Verification
        • Method B: Get KYC Status
        • Add User Verification
        • Add POA File
      • Account Management
        • Update Existing User
        • Delete User
        • Suspend User
        • Unsuspend User
      • Balances & Transaction History
        • Get User Balances
        • Get User Transaction History
      • Currency Exchange
        • Retrieve Exchange Rate
        • Retrieve Exchange Rate and Create a Lock
        • Create and Finalize an Exchange
        • Retrieve Detailed Exchange Information
      • SEPA Transfers
        • Get SEPA Deposit Info
        • GET SEPA Deposit Contact List
        • Create a SEPA Transfer
        • Get SEPA Transfer Details
      • Crypto Withdrawal
        • Get Network Fee
        • Create Crypto Withdrawal
        • Get Crypto Withdrawal Details
      • Crypto Deposits
        • Update Travel Rule
      • Internal Transfers
        • Create a Transfer
        • Get Transfer Details
      • Virtual Cards
        • Create Virtual Card
        • Get All User Cards
        • Get Card Details
        • Update Card PIN
        • Block Card
        • Unblock Card
        • Get Card Limits
        • Update Card Limits
        • Delete Card
  • Integration
    • SDKs & Integration Guides
    • Transaction Processing
    • Error Handling
    • Rate Limiting
    • Webhooks
      • User & KYC Webhooks
        • User Balance Generation Webhook
        • KYC File Added Webhook
        • POA Verification Status Webhook
        • KYC Verification Status Webhook
        • Create Wallet Webhook
        • High Risk KYC Verification Webhook
      • Transfers & Payments Webhooks
        • Internal Transfer Webhook
        • IBAN Status Webhook
        • Partner SEPA Transfer Webhook
        • User SEPA Transfer Webhook
        • SEPA Deposit Webhook
        • Crypto Withdrawal Webhook
        • Crypto Deposit Webhook
        • Exchange Webhook
        • Card Transaction Webhook
        • Order Status Webhook
        • Payment Link Webhook
      • Card Webhooks
        • Card 3DS Code Webhook
        • Card Activation Code Webhook
  • Reference
    • Supported Countries
    • Supported Currencies
    • Fees
    • FAQ
    • Changelog
    • Support
  1. Integration

Rate Limiting

This page explains how rate limiting works in the Fintegence Partner API and how to build a client that behaves safely under traffic constraints.
Current API Limit
300 requests per minute per unique IP address. This is sufficient for most integrations while helping keep the service fast and reliable for all partners.

Why Rate Limiting Matters#

Rate limiting is not only a restriction mechanism. It is a core reliability and protection feature.
Security: Helps protect the API against abusive traffic patterns, brute-force attempts, and denial-of-service behavior.
Performance: Preserves stable response times across all integrations, even under elevated traffic.
Fair Usage: Prevents a single client from monopolizing shared API resources.
Stability: Reduces the risk of service degradation caused by bursts, bots, or inefficient polling loops.

How It Works#

The system tracks request volume per source IP address in real time.

Monitoring Your Usage with Headers#

API responses include headers that help you monitor your current usage within the active rate limit window.
HeaderDescriptionExample
X-RateLimit-LimitTotal number of requests allowed in the current time window.300
X-RateLimit-RemainingNumber of requests remaining in the current window.241
X-RateLimit-ResetUTC epoch timestamp, in seconds, when the current quota resets.1678886400

Handling Exceeded Limits (429 Too Many Requests)#

When the limit is exceeded, the server rejects the request with HTTP 429 Too Many Requests. You should always honor the Retry-After header before retrying.
Example 429 Handling Model
Header: Retry-After: 60
A typical 429 response may include error details similar to the following:
{
  "error": "Rate limit exceeded",
  "message": "You have exceeded the maximum number of requests allowed (300 requests/min). Please try again later.",
  "retry_after": 60,
  "limit": 300,
  "window": "1 minute"
}

Best Practices for Integration#

A reliable client should anticipate rate limiting and react gracefully.

1. Proactive Monitoring#

Do not wait for a 429 response. Monitor the X-RateLimit-Remaining header and slow down before the limit is exhausted.

2. Intelligent Retry Logic#

When a 429 response occurs, use the Retry-After header and apply retry logic carefully. Exponential backoff is recommended for bursty or repeated failures.

3. Avoid Aggressive Polling#

Polling loops for asynchronous operations should be rate-aware. If you are tracking exchanges, withdrawals, orders, or transfers, prefer webhooks over tight polling intervals.

4. Batch Thoughtfully#

Where possible, avoid unnecessary request bursts. Reuse previously fetched data, debounce user-triggered refresh actions, and avoid parallel request storms from the same IP.
Enterprise Traffic
If your integration is expected to generate consistently high request volume, contact the team to discuss whether your traffic profile requires a different operational setup.
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Error Handling
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Webhooks
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