Our industries
Account-to-account (Open Banking) Payments Solutions
Empowering Financial Institutions with Secure and Scalable Open Banking Solutions
The global payments industry is shifting toward account-to-account (A2A) transactions, driven by open banking initiatives, regulatory change, and consumer demand for faster, cheaper, and more secure payments. As a trusted partner in financial services, we provide custom A2A payment solutions that integrate seamlessly with open banking APIs and instant payment rails, enabling banks, payment processors, and fintechs to deliver efficient and compliant account-to-account services.
Global A2A Payments Landscape
The open banking ecosystem is expanding rapidly, with real-time payment schemes and API-driven innovation reshaping how money moves. Some key industry highlights:
- Europe (PSD2 / SEPA Instant Credit Transfer): Over 10 billion instant payments processed in 2023, with adoption accelerated by EU open banking mandates.
- United Kingdom (Open Banking / Faster Payments): Over 11 million open banking users as of 2023, with monthly transaction volumes exceeding 11 million.
- Global Expansion: Markets including India (UPI), Brazil (Pix), and Singapore (PayNow) showcase how A2A can scale to billions of transactions daily, offering near-instant settlement at low cost.
These payment systems are becoming the backbone of modern financial infrastructure, providing real-time, secure, and transparent alternatives to traditional card networks.
Our A2A Payments Solutions
Our custom A2A solutions help banks, PSPs, and fintechs deliver seamless account-to-account transfers across domestic and cross-border corridors.
Our A2A Payment Solutions
We specialise in:
Open Banking API integration for payment initiation and account data access.
Instant payments through schemes like SEPA Instant, Faster Payments, UPI, Pix, PayNow, and FedNow.
Cross-border A2A solutions, leveraging ISO 20022 messaging and global instant payment initiatives.
Embedded payments for merchants, wallets, and platforms seeking to bypass card rails.
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API-First Integration
We design and implement A2A platforms with an API-first approach, enabling secure, scalable, and developer-friendly integration with open banking frameworks and real-time payment systems.
Our solutions support:
Payment initiation services (PISPs)
Account information services (AISPs)
Multi-currency transactions
Merchant-initiated and recurring A2A payments
Fraud Detection and Security
Security and compliance are central to A2A payments. We implement:
Strong Customer Authentication (SCA)
Fraud monitoring powered by machine learning
Encryption and tokenization for sensitive data
Full compliance with PSD2, AML, KYC, and other regulatory frameworks.
Scalability and High Performance
Our architectures are engineered for high-volume, low-latency A2A payments, ensuring resilience and availability for financial institutions and fintechs of all sizes.
Compliance and Regulatory Support
Our solutions ensure compliance with regulatory requirements, including PCI DSS, PSD2, AML, and KYC, allowing you to confidently process transactions without facing regulatory hurdles.
A2A Payments Trends
The A2A payments ecosystem is evolving rapidly. Key trends shaping the future:
Open Banking Adoption
Regulatory push and consumer trust are accelerating open banking-enabled payments.
Merchant Uptake
More merchants adopt A2A to reduce card scheme fees and access real-time settlement.
Embedded Finance
Businesses integrate A2A directly into apps and platforms for frictionless customer experiences.
Partner with Us for Custom A2A Payments Solutions
We understand the complexities of A2A and open banking and deliver tailored solutions to help banks, processors, and fintechs stay competitive. Whether enhancing your instant payments infrastructure or building new open banking services from the ground up, our experts are here to help.
Let’s Power Your A2A Payments
We are your trusted partner for delivering cutting-edge account-to-account payment solutions. From instant domestic payments to cross-border innovation, we provide the expertise and technology to drive your success.
