Financial Services & Banking
Payments, card platforms, banking integrations and ledgers, where every transaction has to be right. Inconsistent APIs, compliance, reconciliation, multi-rail transactions: we've done this work, and we know where the edge cases live.
Every Transaction Correct — Compliance Included
We know which payment providers have reliable webhooks, which KYC vendors have edge cases in their APIs, and how to build systems that stay in sync when things go wrong. KYC/AML flows, reporting hooks, and audit trails are part of the build — not an afterthought bolted on at the end.
Compliance is part of the build, not a checkbox. KYC/AML workflows, audit logs, and regulatory reporting hooks are designed in from sprint one — not retrofitted.
Multi-rail by design. We architect payment systems that route across fiat, ACH, card, and crypto rails without becoming a distributed-state nightmare.
Failure-safe integration patterns. Financial transactions can't have race conditions or silent failures. Our patterns are idempotent, retryable, and fully auditable.
Provider expertise, not just API calls. We've worked with the major providers enough to know their quirks — webhook reliability gaps, rate limits, and undocumented failure modes.
Capabilities
Platforms & APIs
Financial Services & Banking Specialisations
Six integration practice areas covering the full range of production financial systems.
Card Issuing & Processing
Virtual and physical card programmes via modern issuing platforms, with spend controls, transaction authorisation webhooks, and real-time programme management APIs.
Virtual cards · Physical cards · Spend controls · Auth webhooks · Programme management
Banking API Integrations
Account linking, balance reads, transaction history, and income verification via open banking standards and aggregation platforms. Built for reliability across the full range of bank connectivity edge cases.
Account linking · Transaction sync · Balance verification · Income verification · Bank auth
Payment Gateway Integrations
Full payment gateway integrations including checkout flows, subscription billing, dispute handling, and reconciliation pipelines. We build around provider quirks, not against them.
One-time charges · Subscriptions · Refunds · Webhooks · Dispute handling · Reconciliation
Payment Rails
ACH origination and receipt, wire transfer orchestration, real-time payment rails (RTP, FedNow), and the idempotency and retry logic required to handle asynchronous settlement safely.
ACH origination · Wire transfers · Real-time payments · Settlement reconciliation
KYC / AML Workflows
End-to-end identity verification and AML screening workflows integrated with your onboarding flow. We handle vendor selection, fallback providers, adverse media screening, and ongoing monitoring hooks.
Identity verification · Document checks · AML screening · Risk scoring · Ongoing monitoring
Crypto Payment Rails
Fiat-to-crypto and crypto-to-fiat on/off ramps integrated with existing payment flows. We connect traditional payment infrastructure to blockchain settlement layers without creating compliance gaps.
On/off ramps · Stablecoin settlement · Crypto billing · Wallet-to-bank · Cross-rail routing
Have a Payments or Banking System to Scope?
Tell us what you're building. We'll tell you where the complexity lives and how to build around it.