Open Banking
without the complexity
The production-grade open banking platform connecting merchants to UK bank accounts via instant A2A payments. Instant A2A payments, dispute management, VRP mandates, and white-label branding — in one production-grade platform.
< 200ms
Average bank response
16+
UK banks supported
0%
Card network fees
100%
A2A Faster Payments
Built for every stakeholder
Three purpose-built interfaces — one for each participant in the open banking value chain.
Merchants & Acquirers
Accept open banking payments with zero card fees. Embed our widget with one `<script>` tag and start receiving instant A2A payments directly to your bank account.
For Merchants →Consumers & Payers
Pay directly from your bank — no card details, no fraud risk. Set up recurring payment mandates, view your history, and cancel permissions any time via the Payer Hub.
For Payers →Platform Operators
White-label the full open banking stack. Manage multiple acquirers from a single control room, monitor ASPSP health, and resolve disputes via the OBL DMS bridge.
For Operators →How a payment works
From widget embed to funds in the merchant account — in under 30 seconds.
01
Merchant registers
Self-service at the acquirer portal. Keycloak realm provisioned automatically. KYB approval gated.
02
Widget embedded
One script tag on the checkout page. The widget handles consent → bank → SCA → receipt end-to-end.
03
Payer authorises
Redirected (or QR-scanned) to their bank app. SCA completes in seconds with biometric or PIN.
04
Funds arrive
Faster Payments clears. Merchant webhook fires. Fee deducted, net payout initiated to settlement account.
Everything you need, nothing you don't
A full-stack open banking platform — not a collection of loosely coupled third-party integrations.
Instant Settlement
Faster Payments rails deliver funds in seconds. No T+1 delays, no card network intermediaries.
FAPI Security
FAPI 1.0 baseline profile — PS256 tokens, 15-minute lifespans, single-use refresh tokens.
Embeddable Widget
Drop-in 5-screen checkout widget — consent, bank selection, handover, polling, receipt. 12 KB gzipped.
Dispute Management
OBL-aligned dispute engine. Payer raises, merchant responds, operator resolves — all tracked with webhooks.
White-label Ready
Per-merchant widget branding — colours, logo, font, button radius — stored and served at runtime.
Variable Recurring
Full VRP mandate infrastructure: spending caps, frequency limits, instant revocation for the payer.
16 UK Banks
CMA9 + major challengers: Monzo, Starling, Revolut, Chase, and more. QR on desktop, deep link on mobile.
Live transaction ledger
The acquirer dashboard polls your payment data every 15 seconds. New payments surface automatically — no page refresh, no manual action.
Real-time Analytics
ASPSP health matrix: conversion rate and latency per bank. Spot outages before they impact customers.
Production-grade infrastructure
Built to run at scale on AWS from day one — not patched together from SaaS components.
Rust / Axum payment service
- ✓Zero-copy request parsing
- ✓Async Tokio runtime
- ✓Typed compile-time guarantees
- ✓< 5ms P99 handler latency
AWS managed infrastructure
- ✓ECS Fargate (serverless containers)
- ✓RDS PostgreSQL (auto-rotation)
- ✓Amplify (global CDN delivery)
- ✓API Gateway + VPC Link
Security & compliance
- ✓FAPI 1.0 baseline — PS256, PKCE S256
- ✓Keycloak IAM — realm-per-merchant isolation
- ✓HMAC-SHA256 webhook signing
- ✓Append-only audit ledger
Reliability
- ✓Transactional outbox webhook pattern
- ✓Exponential backoff + dead-letter replay
- ✓JDBC_PING Infinispan HA clustering
- ✓CloudWatch access logs + CloudTrail
Ready to go live?
Talk to us about your use case. We'll walk you through a live demo and an integration path that works for your timeline.