🚀 Developer-First Banking Infrastructure

Banking Infrastructure for the API Generation

Build Tomorrow's Financial Services on Today's Most Advanced Platform

FinTech innovation moves at the speed of code. You need banking infrastructure that matches your pace - developer-friendly APIs, instant deployment, global compliance, and infinite scale. Stop building banking infrastructure and start building the future of finance.

🔧 RESTful APIs
📚 Comprehensive Docs
🧪 Sandbox Environment
⚡ Real-Time Webhooks
🌍 Global Compliance
Try API Sandbox Get Started Guide

Built for FinTech Speed and Scale

Understanding what FinTech companies need to succeed in today's competitive landscape

What FinTechs Need

⚡

Fast Integration

Time to market measured in weeks, not months. Clean APIs, comprehensive documentation, and sandbox environments that let you build and test quickly.

🏗️

Reliable Infrastructure

Enterprise-grade stability without enterprise complexity. Banking infrastructure that scales with your growth without breaking your budget.

⚖️

Regulatory Compliance

Built-in compliance for all major markets. Focus on innovation while we handle the complex regulatory requirements across multiple jurisdictions.

📈

Scalable Architecture

Grow from startup to enterprise seamlessly. Infrastructure that scales from thousands to millions of users without architectural changes.

💰

Competitive Pricing

Cost structure that works at any scale. Pay-as-you-grow pricing that makes sense for startups and scales efficiently as you grow.

Development Priorities

🔧

API-First Design

Everything accessible through clean, documented APIs. No legacy interfaces, no complex integrations - just modern REST APIs that developers love.

👨‍💻

Developer Experience

Tools and documentation that developers love. Interactive docs, code examples, SDKs, and sandbox environments that make integration a pleasure.

🔄

Flexible Integration

Work with your existing tech stack. No vendor lock-in, no proprietary formats - integrate with any technology stack or architecture.

⚡

Real-Time Processing

Instant responses for modern user expectations. Real-time payments, instant notifications, and immediate feedback for optimal user experience.

🌍

Global Reach

Support international expansion from day one. Multi-currency, multi-jurisdiction compliance, and global payment networks ready when you are.

Complete Banking Infrastructure Via API

Everything you need to build financial services, accessible through modern APIs

Core Banking Services

🏦

Account Services

Create and manage customer accounts programmatically with full lifecycle management, balance tracking, and transaction history.

Account creation API Balance management Transaction history Account status control
💳

Payment Processing

All payment types through unified APIs - domestic, international, real-time, and batch processing with intelligent routing and optimization.

Unified payment API Real-time processing Intelligent routing Multi-currency support
💳

Card Issuing

Virtual and physical card issuance and management with real-time controls, spending limits, and transaction monitoring.

Virtual card issuance Physical card management Real-time controls Spending limits
💰

Lending APIs

Credit decisioning and loan management with automated underwriting, risk assessment, and portfolio management capabilities.

Credit decisioning Automated underwriting Risk assessment Portfolio management
🛡️

Compliance Tools

Built-in AML, KYC, and fraud prevention with automated screening, risk scoring, and regulatory reporting across all jurisdictions.

AML monitoring KYC automation Fraud prevention Regulatory reporting

Advanced Features

🌍

Multi-Currency Support

Global operations from day one with support for 150+ currencies, real-time FX rates, and automated currency conversion.

🔔

Real-Time Notifications

Webhooks for all account activities with configurable event types, retry logic, and delivery guarantees for reliable integration.

⚙️

Customizable Rules

Business logic configuration via API with flexible rule engines, conditional processing, and real-time rule updates.

🏷️

White-Label Options

Your brand, our infrastructure. Complete white-label solutions with customizable interfaces and branded customer experiences.

⚖️

Regulatory Coverage

Compliant in 40+ jurisdictions with automatic regulatory updates, local compliance requirements, and audit-ready documentation.

Connect to the Global Banking Ecosystem

Access 4,000+ banks through unified APIs with comprehensive Open Banking capabilities

Account Aggregation

🔗

Multi-Bank Connectivity

Access 4,000+ banks through one API with unified data formats, standardized responses, and consistent authentication flows.

⚡

Real-Time Data

Live account balances and transactions with instant updates, real-time synchronization, and immediate data availability.

🧠

Data Enrichment

Transaction categorization and insights with merchant identification, spending analysis, and financial behavior patterns.

🌍

Cross-Border Support

European and UK banking networks with PSD2 compliance, multi-jurisdiction support, and local regulatory adherence.

✅

Consent Management

Full GDPR and PSD2 compliance with granular consent controls, automated renewal, and comprehensive audit trails.

Payment Initiation

Why Choose Open Banking Payments

Transaction Cost
€0.35
€0.01
97% lower
Settlement Time
2-3 days
Instant
Immediate
Success Rate
85%
95%
+10%
Chargeback Risk
High
None
Eliminated

Payment Capabilities

⚡
Instant Payments

Real-time payment execution with immediate confirmation

💰
Cost Optimization

Lower fees than traditional payment methods

🎯
High Success Rates

Intelligent routing for maximum payment success

🌍
Multi-Currency

Global payment capabilities across all major currencies

Built by Developers, for Developers

Everything developers need to integrate quickly and build amazing financial products

Documentation & Tools

📚

Interactive Documentation

Test APIs directly in documentation with live examples, request/response samples, and real-time testing capabilities.

💻

Code Examples

Working examples in multiple languages with copy-paste ready code, best practices, and common use case implementations.

🛠️

SDKs Available

Native SDKs for JavaScript, Python, Java, .NET, PHP, Ruby, Go with comprehensive error handling and automatic retries.

📮

Postman Collections

Ready-to-use API collections with pre-configured requests, environment variables, and automated testing workflows.

🧪

Sandbox Environment

Test with realistic data in a safe environment with mock accounts, simulated transactions, and comprehensive testing scenarios.

Development Support

🛠️

Technical Support

Direct access to engineering team with dedicated developer support, technical consultation, and integration assistance.

👥

Community Forum

Connect with other developers, share experiences, get answers, and contribute to the growing FinTech developer community.

🔄

Regular Updates

Continuous platform improvements with new features, performance enhancements, and expanded capabilities delivered regularly.

🚀

Beta Programs

Early access to new features and capabilities with beta testing programs and direct input into product development.

Powering FinTech Innovation

Real success stories from FinTech companies building the future of finance

Neo-Bank Launch Success

1M Customers in Year 1

Challenge

Launch full-service digital bank in record time with complete banking services, regulatory compliance, and scalable infrastructure from day one.

Solution

Complete Banking-as-a-Service platform with account management, payment processing, card issuance, and compliance tools integrated through unified APIs.

Outstanding Results

3 Months Time to Market From concept to launch
Full Banking Services Available from day one
1M Customers Acquired in first year
99.9% Uptime Maintained throughout growth

Payment Innovation Platform

Cross-Border Payments

Challenge: Create cross-border payment solution with competitive rates and real-time processing

Results: 80% cost reduction, real-time payments to 40+ countries, 10x volume growth in 6 months

Lending Technology Startup

Credit Decisioning

Challenge: Build credit decisioning platform with real-time data and automated underwriting

Results: Real-time decisions, 95% accurate income verification, 500% loan volume increase

Grow Together

Partnership opportunities that accelerate your growth and expand your capabilities

Partnership Models

🤝

Technology Partner

Integrate our capabilities into your platform with white-label solutions, co-branded services, and joint go-to-market strategies.

💼

Reseller Program

Offer our services to your clients with attractive margins, comprehensive support, and co-marketing opportunities.

🔬

Joint Development

Co-create solutions for specific markets with shared development costs, combined expertise, and mutual IP ownership.

💰

Investment Support

Access to funding networks, investor introductions, and strategic investment opportunities through our extensive network.

🚀

Go-to-Market Support

Leverage our market presence, banking relationships, and industry expertise to accelerate your market entry and growth.

Partnership Benefits

⚡

Faster Development

Focus on your unique value proposition while we handle the complex banking infrastructure and regulatory compliance requirements.

🛡️

Reduced Risk

Proven, compliant infrastructure with 30 years of experience and zero security breaches reduces your technology and compliance risks.

💰

Lower Costs

Shared technology investment and economies of scale provide significant cost advantages over building infrastructure in-house.

🏦

Market Access

Leverage our banking relationships and industry presence to access markets and opportunities that would be difficult to reach independently.

🔬

Continuous Innovation

Access to ongoing R&D investment, emerging technologies, and continuous platform improvements without additional investment.

Ready to Build the Future of Finance?

Join innovative FinTech companies who are building tomorrow's financial services on our platform. Start with our sandbox and see how quickly you can integrate banking capabilities.

Try API Sandbox Discuss Partnership