Open Banking & Payment Integrations

Open Banking & payment

integrations for banks

We design and develop banking API integrations — from Open Banking and connections with external financial services, through payment systems and transactional data exchange, to integration with core banking and satellite systems.

Edge One Solutions acts as a technology partner developing and integrating solutions within the bank’s existing architecture. We do not provide our own Open Banking platform or AIS/PIS infrastructure — we provide the expertise required to build, modernize and integrate the client’s environment.

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Let’s discuss your Open Banking project

Open Banking APIs, payment integrations and connections with banking systems

Open Banking foundations

How does an Open Banking and payment integration ecosystem work?

Open Banking is a model for securely exchanging data and exposing banking services through APIs. It connects banks with authorized third parties, fintech companies, partners and payment services while maintaining control over access to data and operations performed within the bank’s environment.

An Open Banking project involves more than APIs. Authorization, access control, consent management, data mapping and validation, monitoring, testing and integration with existing banking systems are equally important.

Integration flow

Services & partners

Fintech + TPP + partners

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API & access layer

API + authorization + access control

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Integration & data

Mapping + validation + orchestration

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Bank systems

Core banking + payments + satellite systems

✓

Security, access control and monitoring cover the entire integration flow.

How we support banks

Open Banking, APIs and payment integrations

We can join a selected layer of the existing architecture — from a specific API or partner integration to a longer-term development stream covering data, payments, security and connections with banking systems.

Open Banking APIs

Design, development and modernization of banking APIs and integrations with external services.

PSD2 and secure access

Authorization, authentication, consent and access-control mechanisms for Open Banking environments.

Payment integrations

Connections with payment systems, gateways, processors and transactional services.

Transactional data

Mapping, transformation, validation and exchange of data between systems and services.

Banking system integration

Connecting APIs and payment services with core banking, data layers and satellite systems.

QA, monitoring and stability

Integration testing, flow monitoring, error handling and quality control of services.

When to involve us

The most common situations when we join a project

We most often join when existing APIs limit the development of new services, new partners or payment systems need to be integrated, or the bank’s team requires additional integration expertise.

API modernization

The existing API layer limits the development of new services, integrations or the secure scaling of the environment.

Expanding the Open Banking partner ecosystem

New integrations

The bank wants to connect new partners, fintech companies or external financial services to its existing ecosystem.

Payments

New payment processes, transactional services or an external payment gateway need to be integrated.

Capacity

Backend, integration or QA skills — or simply team availability — are missing for the next stages of the roadmap.

How we work

Two engagement models for API and integration projects

We can supplement the bank’s team with specific backend, integration and QA expertise or build a stable team responsible for a defined area of Open Banking and payment integrations.

Staff Augmentation for Open Banking and integration teams

Staff Augmentation

Strengthen your bank’s integration team

Edge One Solutions specialists join the existing team to increase capacity or provide missing expertise in APIs, backend development, integrations and testing.

API

Backend

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Explore Staff Augmentation

Dedicated Team for Open Banking and payment integration projects

Dedicated Team

Build a stable Open Banking team

We build a cross-functional team responsible for a defined API, integration or payment area and aligned with the bank’s architecture and way of working.

Team

Integration

Delivery

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Explore Dedicated Team

Financial integration experience

Payment and integration project case studies

Selected projects demonstrate Edge One Solutions’ experience in developing transactional features, APIs, checkout solutions and digital products for the financial sector.

Fiserv – transactional feature development

Fiserv · Payments + Integrations

Development of transactional features for the Fiserv platform

View case study →

Fiserv

Bolt Financial · API + Checkout

Checkout and payment API development for a fintech platform

View case study →

Bolt

m-tax · Finance + Mobile

Digital platform connecting financial and banking processes

View case study →

m-tax

View all case studies →

All case studies

FAQ · Open Banking

Frequently asked questions about Open Banking and payment integrations

We answer common questions about Open Banking APIs, PSD2, payment system integration, transactional data exchange, security and the organization of teams delivering integration projects.

What is Open Banking and how does it differ from a standard API integration?

Open answer

Open Banking uses APIs to securely expose selected banking data and services to authorized third parties. Compared with a standard API integration, greater emphasis is placed on access mechanisms, consent, authentication, security and control over how data and operations are used.

How can Open Banking APIs be integrated with a bank’s existing architecture?

Open answer

The Open Banking API layer can be connected to banking systems through a properly designed integration layer. It may handle service orchestration, data mapping, validation, access control and communication with core banking, payment systems and satellite systems.

What does payment system integration include?

Open answer

Payment system integration may include communication with payment processors, payment gateways, transactional services and banking systems. Status and error handling, data mapping, security, monitoring and testing of the entire transaction flow are also important.

How does PSD2 affect the design of Open Banking solutions?

Open answer

In environments subject to PSD2 requirements, Open Banking projects should account for secure access to accounts and services, authentication and control over operations performed by authorized third parties. The specific technical solution should be aligned with the bank’s architecture and applicable regulatory requirements.

How can access to a banking API be secured?

Open answer

API security should include authentication, authorization, access control, data validation, encrypted communication, monitoring and the ability to audit operations. The specific mechanisms depend on the bank’s architecture, standards and security requirements.

How does transactional data exchange and mapping work?

Open answer

Data exchanged between systems may need to be transformed between different models and formats. The integration layer can handle field mapping, validation, normalization and differences between the source system, the API and the service receiving the data.

Staff Augmentation or Dedicated Team — which model should you choose for an integration project?

Open answer

Staff Augmentation works well when a bank already has its own team and needs to add specific expertise or increase capacity. A Dedicated Team is suitable when a stable team is required to take responsibility for a defined API, integration or payment area.

Does Edge One Solutions provide its own Open Banking platform?

Open answer

No. Edge One Solutions acts as a technology and integration partner. We can design, develop and modernize APIs, integration layers and connections with payment systems and external services, but we do not position ourselves as a provider of a proprietary Open Banking platform or AIS/PIS infrastructure.