Fintech Integration Services

Yes. Our identity verification integration for a digital identity platform ran for six months alongside live platform development with zero downtime, and our loan origination integration shipped full legacy parity on schedule.

What compliance standards do you build integrations around?
We design integrations around the compliance requirements each client needs to meet, including PCI DSS, PSD2/open banking, GDPR, and relevant KYC/AML obligations. We build software designed to meet these requirements; the client remains responsible for its own compliance status.

Yes. Our approach starts with discovery and architecture design regardless of the specific platform, and we’ve connected systems like loan origination and core banking platforms, and identity verification vendors, that don’t integrate natively.

It depends on whether your provider stack is standard or whether your systems need custom orchestration between platforms that don’t integrate natively. We can advise after a discovery phase, which is the first stage of any integration project.

Yes. We offer team extension, where our engineers work embedded inside your existing engineering team, and we’ve maintained ongoing integration partnerships for multiple years on single accounts.

An aggregator such as Plaid, TrueLayer or Tink gives you one API that reaches thousands of banks, so you launch fast, and the aggregator usually holds the open banking licence. You pay fees per connection or API call. A direct bank connection means a separate build for each bank’s own API, so launch is slower and you maintain every connection. You avoid middleman fees, but you may need your own licence and certificates. An aggregator suits products that need broad bank coverage quickly. Direct connections suit high volumes with a few banks, or corporate host-to-host payments.

The fewer of your systems that touch raw card data, the smaller your PCI DSS scope. We use the provider’s hosted fields or hosted payment pages so card details go straight to the provider, and tokenization so your systems store tokens instead of card numbers. Credentials and tokens are managed securely across providers, and compliance is part of the architecture from the start, not added after a review.

Yes. We put an integration layer between your product and the providers, so a new provider can be connected without rebuilding your product. The old and new providers run in parallel, traffic moves over in phases, and fallback to the old provider stays in place until the switch is complete. Stored card tokens usually need a migration coordinated between the two providers, and we plan that as part of the move.

We can, through our integration support and maintenance service. It covers vendor API upgrades and deprecations, monitoring and incident fixes, and updates for changing compliance rules. If your own team takes over, they get documentation and Architecture Decision Records for every major integration choice, so they can maintain it without us.

For most companies, no. Building a gateway means PCI DSS Level 1 compliance, relationships with acquiring banks and ongoing certification work. That only pays off at very high transaction volumes, or if payments are your core product. The usual better choice is to integrate an existing gateway, or several through one integration layer, and build custom logic around it. We recommend build or extend during discovery, based on your volumes and platform stack.

You own the code and intellectual property we create for your project. We sign an NDA before discovery starts, so you can share system details, architecture and compliance documents from the first conversation.