Run the whole
open banking stack.
bopen is a white-label open banking platform. Operate it as your own: manage multiple acquirers, monitor bank performance, resolve disputes, and enforce compliance — all from a dedicated operator control room.
Platform operator capabilities
Multi-tenant control room
One dashboard to manage every acquirer on the platform. KYB approval, payout holds, volume caps — all from a single operator interface.
Global financial matrix
Live TPV, GMV, net fee revenue, and average order value across all merchants. Spot trends and anomalies before they become incidents.
ASPSP health monitoring
Real-time conversion rate and latency heatmap per UK bank. Detect bank API outages instantly and route traffic accordingly.
Dispute resolution centre
Cross-tenant dispute queue. Review payer complaints and merchant evidence. Resolve in favour of either party — or escalate to OBL DMS.
Role-based staff access
Internal staff authenticated via a dedicated Keycloak realm. OWNER, OPS, and SUPPORT roles with fine-grained capability boundaries.
Payout hold & freeze
Temporarily freeze a merchant's settlement stream if suspicious activity or high dispute rates are detected. Reversible at any time.
Staff access — role-based from the start
Internal staff authenticate against a dedicated bopen-platform Keycloak realm. Three roles, clearly bounded.
Full platform control. Can approve/suspend merchants, manage platform staff, set fee schedules, and resolve any dispute.
- ✓Approve & suspend merchant KYB
- ✓Place & release payout holds
- ✓Invite and manage platform staff
- ✓Resolve disputes with OBL escalation
- ✓Access all financial dashboards
Day-to-day operations. Can manage merchants and resolve disputes, but cannot change fee structures or manage staff.
- ✓Approve & suspend merchant KYB
- ✓Place & release payout holds
- ✓Resolve disputes
- ✓View all financial dashboards
- ✓Monitor ASPSP health
Customer-facing support. Can view merchant data and resolve disputes, but cannot take financial actions.
- ✓View merchant accounts
- ✓Resolve customer disputes
- ✓View ASPSP health matrix
- ✓Read-only financial dashboards
OBL Dispute Management System bridge
Under FCA guidelines and OBL standards, traditional card chargebacks don't apply to A2A payments. Instead, the platform provides a structured Dispute & Refund Management Engine aligned with the OBL DMS framework.
Raises dispute via Payer Hub (Item Not Received, Duplicate, etc.)
Notified via webhook. Submits fulfilment evidence via Acquirer Portal.
Reviews evidence. Resolves in favour of merchant or payer — or escalates to OBL DMS.
High-risk merchant monitoring
Production-ready infrastructure
Fully defined as CloudFormation IaC. Deploy a complete environment — VPC, ECS, RDS, Keycloak, SES, and 5 Amplify apps — from a single command.
Ready to license the platform?
We'll walk you through the full architecture, deployment model, and commercial terms. Bring your use case and we'll show you what's possible.
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