SERVICE

Payments & Open Banking

Payment infrastructure for environments where auditability is non-negotiable. PSD2, SCA, multi-rail (SWIFT, SEPA, ACH, local), and RegTech reporting — engineered, not configured.

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PSD2

Open-banking architecture from AISP/PISP role design through consent management and delegated flows.
SCA

Strong Customer Authentication done right: dynamic linking, exemption management, biometrics, redirect / decoupled / embedded patterns.
Multi-rail

SWIFT, SEPA, ACH, and local rails — switched, reconciled, and audited under one transaction model.
RegTech

Regulator-shaped reporting pipelines with end-to-end traceability for every signal.

PSD2 & open-banking architecture

Our team has engineered PSD2-aligned platforms across both the AISP and PISP roles — consent capture, scope management, account information access, payment initiation, and refund flows. Strong Customer Authentication is treated as an architectural concern, not an afterthought: dynamic linking enforced at the protocol layer, exemptions applied per-transaction with audit evidence. We have built SCA UX flows across the redirect, decoupled, and embedded patterns — chosen per integration, within the regulatory framing in force at the time.

Multi-rail routing & settlement

Payment switching across rails is engineered as a single transaction model: SWIFT, SEPA (SCT, SCT Inst, SDD), ACH, and local rails sit behind a unified routing layer.

Where this capability lives.

Engineers on our team previously contributed to PSD2 integrations across multiple European banks. We bring that regulatory rigor — and the engineering muscle to ship payment infrastructure under audit pressure — to every payments engagement we take on today.

How we engage.

We start with a 30-minute scoping call. Within 2 weeks you have a senior team scoped, sized, and starting. Standard engagements run 3 months minimum. Three engagement models: project (fixed scope, fixed fee), dedicated team (a senior squad on your roadmap), or staff augmentation (named senior engineers embedded in your delivery). The senior bar applies to all three.

Engineer your payments stack with people who've shipped them.

Tell us what you're building — a new PSP integration, a multi-rail switch, a regulatory-driven re-architecture, or a payments modernization program.

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