Integrations with External Payment Providers
Overview:
Designed and delivered integrations with major external payment providers to expand available payment rails and support fast, compliant international transfers.
What We Did:
- Deep technical analysis of provider specifications
- API design, mapping rules, and message modelling
- XSLT transformations for channel request/response processing
- Integration into core payment flows
- Unified routing, error handling, and callback logic
Result:
A scalable, reliable, and fully documented multi-provider integration framework powering cross-institutional payments.
Verification of Payee
Verification of Payee – Compliance-Driven Identity Validation for European Payments
Regulatory / Normative Basis:
- EPC‑218‑23 Verification of Payee Scheme Rulebook
- As the Rulebook implements obligations introduced by the EU Instant Payments Regulation (Regulation 2024/886) amending the SEPA Regulation, this regulatory framework formed the legal basis for mandatory “payee verification” in euro-denominated credit transfers across the Single Euro Payments Area (SEPA).
Our team delivered the full analytical and technical design for integrating Verification of Payee into a financial institution’s payment infrastructure. The project included regulatory analysis based on EPC-218-23, modelling request and response lifecycles, data-matching logic, and directory-based PSP identification. We developed complete system flows, specifications, and integration guidelines enabling secure, compliant, and seamless VoP operations within SEPA payments.
Confirmation of Payee
Confirmation of Payee – Fraud-Prevention Framework for UK Payments
Regulatory / Normative Basis:
- Pay.UK – Confirmation of Payee Rules & Standards
- Open Banking UK – Account Servicing Payment Service Providers API Specification (ASPSP API), including Confirmation of Payee extensions
- PSR Guidance and Industry Requirements issued by the UK Payment Systems Regulator related to Authorised Push Payment (APP) fraud prevention
We provided comprehensive analysis and system design for the UK Confirmation of Payee service under Pay.UK and Open Banking standards. Our work covered matching-logic definition, interbank request routing, Faster Payments integration, and detailed API and data-model specifications.
The solution improves customer safety, reduces payment misdirection, and ensures compliance with UK regulatory requirements.
Anti-Money Laundering (AML) Systems Integration
Overview:
Implemented AML integrations enabling automated screening, identity checks, and risk-based evaluations across all payment and onboarding operations.
What We Did:
- API and scoring model analysis
- Real-time and scheduled AML check flows
- XSLT transformations for AML request/response processing
- Payment & onboarding workflow integration
- Exception handling and manual review logic
Result:
A fully automated AML verification layer improving compliance, reducing risk, and supporting scalable financial operations.
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