Reference stack
Add open banking payments
Enable account-to-account payments and account data using open banking connectivity.
FintechsPlatformsEuropeUK
Infrastructure layers
01
Payment initiation
Account-to-account payments via open banking.
02
Account data
Account information and aggregation.
Considerations
- Coverage and reliability of bank connections vary by country and bank.
- Open banking payments have different chargeback dynamics than cards.
Questions to ask providers
- What bank coverage is needed for your customers?
- How are failed or disputed payments handled?
This stack is a reference architecture for research. It does not guarantee regulatory compliance or licensing approval, and specific provider combinations are not universally suitable. Confirm requirements for your product with each provider and qualified advisers.