Connect directly to banks with a bank payment gateway
A single integration layer between your business and the banking system. Initiate payouts, collect payments, verify accounts and reconcile statements across multiple banks and local rails, with ISO 20022 ready messaging.
- Unified API across multiple partner banks
- Host-to-host, SFTP and real-time bank APIs
- Open banking pay-by-bank and account verification
- ISO 20022, SWIFT MT and local file formats
POST /v1/payouts { "amount": 25000.00, "currency": "EUR", "rail": "sepa_instant", "iban": "DE89 3704 ••••" }
- Acceptedpayout_8f2a · 42ms
- Sent to bankpacs.008 · Bank A
- Creditedcamt.054 received
From operational friction to a platform that scales
The problems we hear most often from teams running Bank Payment Gateway products, and how we solve them.
The challenge
- Every bank has a different API, file format and security model
- Payment status updates arrive late or not at all
- Bank statement reconciliation is manual and error-prone
- Adding a new bank means rebuilding integrations
Our approach
- One normalized API and data model for every connected bank
- Real-time status tracking with webhooks and retries
- Automated statement ingestion and matching
- A connector framework that makes each new bank faster to add
Everything you need, ready to configure
Proven building blocks you can launch together or roll out in phases.
Bank connectors
API, host-to-host and SFTP connectors with bank-grade security.
Payouts
Single and bulk payouts over local rails, SWIFT and instant schemes.
Collections
Virtual accounts, pay-by-bank and direct debit collections.
Account verification
Name and account checks before money leaves your account.
Message translation
ISO 20022 (pain, pacs, camt), SWIFT MT and bank-specific formats.
Reconciliation
Statement ingestion, auto-matching and exception queues.
One API, many banks
- 01
Step 1
Your system calls one API
Payout, collection or verification request in a single format.
- 02
Step 2
Route to the right bank
Rules pick the bank and rail by currency, amount and cut-off time.
- 03
Step 3
Translate & transmit
Requests are converted to the bank's format and sent securely.
- 04
Step 4
Track & reconcile
Status updates and statements are matched back automatically.
Built for growth, operations and control
Rails
- SWIFT gpi
- SEPA and SEPA Instant
- Local ACH / RTGS
- Instant payment schemes
Formats
- ISO 20022 pain / pacs / camt
- SWIFT MT103 / MT940
- CSV and fixed-width files
- Bank proprietary APIs
Treasury
- Multi-bank balances
- Cut-off time management
- Liquidity alerts
- Payment approvals
Security
- mTLS and PGP
- HSM key storage
- IP allow-listing
- Dual authorization
Delivered as a complete product
Not just code. Branded, tested, documented software your team can operate from day one.
Integrations we connect
- Commercial banks
- SWIFT service bureaus
- Open banking aggregators
- National instant payment schemes
- Clearing houses
- ERP and accounting systems
Unified bank API
One API and webhook model for all banks.
Connector service
Hosted or on-premise integration engine.
Payments console
Approvals, monitoring, exceptions and reports.
Security you can show your regulator
Controls are designed in from the first sprint and documented for your audits and licence applications.
- Mutual TLS and certificate pinning
- PGP-encrypted file exchange
- HSM-backed signing
- Dual approval workflows
- IP allow-listing
- Complete message archive
Bank Payment Gateway FAQs
Common questions from teams evaluating this solution.
Still have questions?
We usually reply within one business day.
Any bank that offers an API, host-to-host or file-based channel. We build each connector once and reuse it, so adding banks gets faster over time.
Yes. The gateway generates and parses ISO 20022 messages such as pain.001, pacs.008 and camt.053 alongside legacy SWIFT MT formats.
Yes. The gateway can be hosted by us or deployed on your infrastructure when bank or regulatory requirements demand it.
Let's scope your Bank Payment Gateway project.
Tell us about your corridors, customers and timelines. We will come back with a clear architecture, delivery plan and estimate.
- 30-minute discovery call
- Proposal in about a week
- NDA available on request