BOpen

The foundation of
open banking

Instant account-to-account payments, FAPI-grade security, and a white-label stack — built for UK merchants and acquirers.

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Platform

Powering the future of open banking

One production-grade platform for payments initiation, mandates, disputes, and operator control — not a patchwork of third-party connectors.

  • PSD2 A2A rails with Faster Payments settlement
  • FAPI 1.0 baseline security profile
  • White-label widget branding per merchant
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Live rails

Payment initiatedFaster Payments
SCA complete< 8s
Funds settledNet payout queued

Who it's for

Built for every stakeholder

Purpose-built experiences for merchants, payers, and operators — one open banking value chain.

Merchants & acquirers

Accept open banking payments with zero card fees. Embed the widget and settle instantly via Faster Payments.

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Consumers & payers

Pay from your bank — no card details. Manage mandates, history, and disputes in the Payer Hub.

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Platform operators

White-label the stack. Monitor ASPSP health, manage acquirers, and resolve disputes in one control room.

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Flow

How a payment works

From widget embed to funds in the merchant account — typically under 30 seconds.

01

Register

Self-service onboarding. Keycloak realm provisioned; KYB gated before go-live.

02

Embed

One script tag. The widget runs consent → bank → SCA → receipt end-to-end.

03

Authorise

Payer completes SCA in their banking app — biometric or PIN in seconds.

04

Settle

Faster Payments clears. Webhook fires. Net payout to your settlement account.

Capabilities

Everything you need

A full-stack open banking platform — payments, mandates, disputes, and analytics.

Instant settlement

Faster Payments rails deliver funds in seconds — no T+1 delays or card intermediaries.

FAPI security

FAPI 1.0 baseline — PS256 tokens, short-lived sessions, and single-use refresh tokens.

Embeddable widget

Consent, bank select, handover, polling, receipt — a complete checkout in one script tag.

Variable recurring

VRP mandates with spending caps, frequency limits, and instant payer revocation.

Dispute management

OBL-aligned cases: payer raises, merchant responds, operator resolves with webhooks.

UK bank coverage

CMA9 plus major challengers. QR on desktop, deep link on mobile.

Security at the core

FAPI 1.0, realm-per-merchant isolation, HMAC-signed webhooks, and an append-only audit ledger — compliance engineered in, not bolted on.

See the stack

Next step

Let's build the future of payments

Tell us your use case. We'll walk through a live demo and an integration path that fits your timeline.

Book a demoMerchant features