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Fintech integration services link payment systems, banking APIs, compliance tools, and third-party platforms into a single secure, operational financial ecosystem.
We connect your system to the payment gateways and processors that can help you in accepting, processing, and managing transactions across different channels, including card payments, digital wallets like Apple Pay and Google Pay, ACH transfers, recurring billing, and subscriptions.
Our payment processing integrations cover things like authorization, settlement, refunds, reconciliation, fraud checks, and PCI DSS compliance. We ensure effective and fast transaction processing, whether the payment is domestic or cross-border. Our goal is to provide efficient transactions and fast payments in all of the involved steps, which is why we support trusted service providers like Stripe, Adyen, Checkout.com, Braintree, PayPal, Worldpay, Visa Direct, and Amazon Pay.
Open banking integration enables a connection between your platform and banks, financial institutions, and data aggregators. This allows users to pull account balances, transaction history, and identity data through a secured API, instead of using unnecessary methods like screen-scraping or uploading statements.
Our solutions cover account aggregation, account management, payment initiation, account verification, and consent management based on PSD2 directives and other open banking standards, ensuring your product gets real-time financial data with the user’s permission and nothing more. We collaborate with providers like Plaid, MX, Yodlee, Finicity, TrueLayer, Tink, Yapily, Salt Edge, BBVA API Market, and Capital One APIs.
Core banking systems manage all bank-related operations, such as accounts, deposits, loans, cards, and payments. However, connecting to the core banking systems is a more complicated task than connecting to a payment API, but our specialists integrate banks’ core infrastructures with our partners, providing real-time data synchronization, automating internal systems, and modernizing legacy setups in gradual phases. Our integrations include Temenos, Mambu, Finastra, Oracle FLEXCUBE, FIS, Fiserv, Avaloq, and Thought Machine.
Onboarding customers without conducting proper identification checks can lead to compliance issues. To prevent this, we connect your platform to identity verification and anti-money laundering systems, thus automating onboarding, screening sanctions, monitoring transactions, risk scoring, and cutting manual review load, while complying with industry regulations. We have experience integrating Trulioo, Sumsub, Onfido, Veriff, Persona, ComplyAdvantage, LexisNexis Risk Solutions, and SEON.
With banking-as-a-service (BaaS) integrations, concepts such as virtual accounts, IBAN, ACH, and SEPA transactions, card issuing, and lending can be simply embedded into an existing banking infrastructure without the need to develop an elaborate banking platform.
This approach allows you to start your financial endeavor faster, receive the necessary regulatory support, and ensure scalability. We’ve built our solutions around Solaris, Unit, Treasury Prime, Stripe Treasury, Swan, Bond, and ClearBank, along with other regulated service providers.
If you need to issue cards, either virtual or physical, we can connect your platform to a card-issuing system, which will take care of card program management, tokenization, card lifecycle management, spending control, and transaction alerts. With this solution and our integration with platforms like Marqeta, Lithic, Galileo, Stripe Issuing, Adyen Issuing, Thredd, Enfuce, Visa, and Mastercard, debit cards or prepaid programs can be launched without owning the card infrastructure.
Our cross-border payment and foreign exchange (FX) integrations facilitate the transfer of funds through multi-currency accounts, currency conversion, SEPA and ACH transfers, international payouts, and remittance, while maintaining regulatory compliance, making quick settlement possible without losing a substantial percentage of the transferred amount.
We’re leveraging leading solutions providers like Wise, Currencycloud, Airwallex, Revolut Business, MoneyGram, Western Union, Remitly, and Nium to ensure reliable and timely payments.
We connect businesses to the necessary tools and services to automate all processes of obtaining a loan, including the processes of applying, making a decision regarding whether the loan is issued, checking the creditworthiness of each applicant, and receiving money.
To automate the lending process, we source information from credit bureaus and other third-party financial service providers to make credit decisions quickly and successfully. We’ve built with Blend, Amount, Finastra, Mambu, LoanPro, Plaid, Experian, Equifax, and TransUnion.
We integrate portfolio management, security trading, account management, market data feeds, and order execution for investment platforms to give investors up-to-date access to markets and fresh investment opportunities and ensure regulatory compliance in the onboarding flow. These integrations provide support to brokers, exchanges, and data providers in the background so that transactions take place without any delay. We deal with Alpaca, Interactive Brokers, DriveWealth, Tradier, Polygon.io, Nasdaq APIs, and LSEG Data & Analytics.
In order to automatically synchronize transactions, invoices, expense tracking, reconciliation, and tax reporting, we connect financial platforms to accounting and ERP software. We successfully integrated QuickBooks, Xero, NetSuite, Sage Intacct, Microsoft Dynamics 365 Finance, SAP, and FreshBooks into several solutions we’ve built.
We connect platforms to fraud detection systems that execute monitoring of transactions, analysis of behavior, assessment of risks, recognition of devices, and prevention of account takeover in real time, thus helping to reduce losses while keeping legitimate actions intact. The providers we collaborated with are SEON, Sift, Feedzai, Sardine, Signifyd, Riskified, and Visa Risk Manager.
If the platform that needs to be linked does not have a standard SDK, or is an internal system with no documented layout, we can apply our knowledge of custom fintech integration and supply made-to-order API development, legacy system connectivity, data syncing, and automation of business processes necessary for niche financial solutions and core systems that cannot be reached via the typical interface. We’ve built such connections for banks, lenders, exchanges, and fintech services that are based on the infrastructure not covered by any template, and we document each one so your internal team isn’t left guessing later.
The fintech integration projects we develop are grounded in secured API connections, end-to-end encryption, and role-based access control; therefore, data security and identity verification are integrated into the project from the beginning. Each connection is created with the explicit purpose of preventing the risk of unauthorized access or cyberattack.
The right implementation of fintech integrations makes the development of financial products shorter and eliminates uncertainty about the newest banking or payment technologies. As a result, products can be launched quickly, making room for the testing of other ideas, and providing a real edge over other companies that are still trying to manually stitch everything together.
Automating payment processing, synchronization of information between the departments, and reconciliation of data operations make it possible to reduce the amount of manual effort staff in different departments used to handle. Fewer people inputting numbers results in lower maintenance expenses and fewer support tickets from external service providers, as well as better use of your workforce.
Live transaction monitoring along with centralized reporting ensures that your employees have real-time access to important insights, rather than waiting until the end-of-day reports. When combined with data analytics, this results in faster decision-making and a clear understanding of what is going on in the business.
Instant payment processing, accurate syncing of data, and a service available for 24 hours ensure customer satisfaction. With positive experiences and properly provided services, customers have no reason to leave. This leads to high retention rates and long-term customer loyalty.
Flexible architecture provides room for integrating new fintech platforms or technologies without destroying the already functioning system. It means that the application has high availability and reliable performance that can function together with the business and not restrain it.
With the support of a team of over 300 engineers and over a decade of experience in software development, we offer complex fintech integration across a wide range of areas such as lending, banking, digital wallets, payments, and many other financial ecosystems.
We have developed extensive knowledge in banking, digital wallets, payments, lending, and other corners of the financial industry. The first-hand experience we have of how these processes work gives us the capacity to come up with solutions for complicated integrations instead of generic ones.
Our fintech integrations comply with such regulations as PCI DSS, PSD2, open banking, GDPR, KYC, and other specific requirements of the industry. All the integrations of our company are carried out in accordance with specific regulations and security requirements, with consent management, protected data exchange, privacy-focused data protection, and modern verification principles in mind.
We have delivered over 1,540 projects to more than 1,000 clients in over 82 countries. The combination of the experience of US-based project managers and the skills of European-based senior engineers is built to deliver secure, scalable fintech integration services.
Our team will manage all the updates for your fintech integration, resolve issues, and optimize performance so your fintech services stay secure and current long after launch.
LITSLINK is recognized across leading industry platforms for delivering high-quality software solutions. See what clients and the design community say about our work.
We examine your goals, current systems, current service providers, and technical limitations to determine the right integration strategy and approach.
Our team prepares a secure and scalable integration design architecture and chooses the needed APIs and data flows, as well as authentication and security requirements to be executed before any coding is done.
We perform the programming and configuring of your API integration processes with payment gateways, banking APIs, and other fintech platforms using development practices that hold up in production.
We conduct functional, security, performance, and compatibility integration testing of the solution to ensure proper and stable data exchange across connected systems.
As soon as we get confirmation that everything is working, we deploy the solution to production, while monitoring performance closely to ensure a smooth transition that doesn’t disrupt your business operations.
We provide maintenance, API updates, and monitoring of your fintech integration solution at all stages of your business development, ensuring it remains secure, reliable, and ready to scale as your business grows.
We examine your goals, current systems, current service providers, and technical limitations to determine the right integration strategy and approach.
Our team prepares a secure and scalable integration design architecture and chooses the needed APIs and data flows, as well as authentication and security requirements to be executed before any coding is done.
We perform the programming and configuring of your API integration processes with payment gateways, banking APIs, and other fintech platforms using development practices that hold up in production.
We conduct functional, security, performance, and compatibility integration testing of the solution to ensure proper and stable data exchange across connected systems.
As soon as we get confirmation that everything is working, we deploy the solution to production, while monitoring performance closely to ensure a smooth transition that doesn’t disrupt your business operations.
We provide maintenance, API updates, and monitoring of your fintech integration solution at all stages of your business development, ensuring it remains secure, reliable, and ready to scale as your business grows.
To assist enterprise finance teams that are excessively dependent on manual checks, we developed an AI solution for detecting financial anomalies. This solution provides integration with ERP platforms such as SAP, Microsoft Dynamics, and Oracle through native interfaces and allows clients to access necessary operational and financial data in real time. The integration allows continuous syncing of data between ERP modules, thus providing a permanent update for the anomaly model rather than having it work off a stale export.
The solution works efficiently because of its secure API connections to the clients’ corporate infrastructure. By bringing together different ERP modules and financial datasets into one environment, the project managed to reduce the time of post-closing review by more than 80% and decrease the number of false alerts by 60-70%.
A lender business in South Africa wanted to stop relying on email to handle loans and process applications more easily. To help with that, we built a mobile-first lending platform with built-in bank statement parsing, a DebiCheck-compliant repayment schedule aligned to each borrower’s payday, and Auth0-based secure identity and role-based access control.
Approved loans are funded instantly to a virtual debit card inside the app, while messages about approvals and payments are transmitted via SMS and push notifications. Combining loan history, credit scores, and money available to repay loans in one platform enabled the client to process roughly three times as many applications per day, cutting approval times from up to 48 hours down to minutes.
A US financial company wanted to replace a manual credit checklist with a more scalable solution; therefore, we created an AI credit scoring platform exposed through a REST API on AWS. The API serves three machine learning modules — credit scoring, loan default prediction, and NLP feedback classification. Internal lending and underwriting tools can request scores and risk flags automatically.
What is more, the API integration works with existing systems to deliver score information, risk assessments, and default flags directly into existing decision workflows, backed by encrypted, authenticated cloud connections without affecting the workflow. The new lending system, which supports CRM and internal systems, consolidates customer records, history, repayment records, and feedback information into one machine learning platform to ensure that it finds the right scoring for every application made by clients.
A private brokerage wanted to establish its own trading platform while still being able to route orders to the Hong Kong Stock Exchange; therefore, we created the connection using HKEX Orion Central Gateway for routing orders and Orion Market Data Platform for live pricing. The use of real-time API integration based on WebSocket streaming enables the syncing of all market data, account balances, and order status with very little latency on web and mobile.
The drop-copy feed provides ledger and reconciliation integration to ensure synchronization of funds, financial instruments, and trades across the internal brokerage business and Hong Kong stock exchange. The implementation of this integration resulted in more than 1,000 filled orders per second at the peak, five levels of bid and ask depth per security, and one centralized account as opposed to two different terminals.
A European exchange working with retail traders required a fintech integration that was able to treat euro and cryptocurrency funds as one portfolio. Therefore, we developed SEPA banking integration for euro deposits along with KYC integration for compliant onboarding. Through a forked EVM blockchain network, the integration provides on-chain settlement, and a joint payment and wallet integration allows users to blend fiat and digital assets in the same balance. Real-time data streaming using WebSocket keeps market data and balances up-to-date on the web and mobile, and back-office integration provides a centralized KYC, deposit, withdrawal, and fees service.
A Web3 startup required AAVE-grade lending on the NEAR blockchain, so we developed a custom oracle integration, making it possible to aggregate price data from decentralized and centralized exchanges to avoid price manipulation. Blockchain integration via NEAR Protocol allows lending, borrowing, managing collateral, and making payouts through smart contracts, while wallet integration supports NEAR and Ledger hardware wallets to facilitate a secure signing process. The integration keeps lending positions, prices, and rewards synchronized in real-time, and cloud infrastructure integration via AWS guarantees their reliability.
Fintech integration services allow users to connect businesses’ software with banking APIs, payment gateways, compliance tools, and other financial platforms, enabling seamless transfer of financial data and transactions. Rather than developing each feature from the beginning, a company makes use of specialized fintech companies and financial institutions that already handle payments, banking, or compliance exceptionally well, and lets an integration layer connect the two.
We connect payment processing, open banking, essential banking systems, KYC and AML tools, BaaS, card issuing, foreign exchange, lending systems, brokerage systems, accounting software, cross-border payments, and fraud detection into one working stack.
We support several fintech integrations, payment gateways, and financial platforms, including Stripe, Adyen, PayPal, Plaid, Temenos, Solaris, Marqeta, Wise Platform, QuickBooks, and dozens of other service providers across payments, banking, and lending. If the platform you are interested in is not on the list, we can usually build a custom solution once we study its API and data model.
Yes, we can connect your digital banking platform to existing banking infrastructure and third-party financial products and synchronize data in real time without disrupting ongoing operations.
It depends on the project’s complexity. One payment gateway integration might need a few weeks, while incorporating a multi-provider fintech integration may take months. The actual estimate can be determined during the discovery phase, where we can see how complex your existing systems are.
Factors that affect the cost of fintech integration include the number of systems you’re connecting, whether you need integration testing and compliance work for regulatory requirements, the complexity of your legacy systems, and how much custom development the APIs on both ends require. It is better to obtain a rough estimate upfront, followed by a firmer quote after discovery; this tends to be more accurate than a number given before anyone has looked at your stack.
We ensure secure data sharing across integrated systems by using encrypted API connections, role-based system access, authentication and consent management, and secure data sharing protocols aligned with PCI DSS, PSD2, and GDPR to prevent financial data leaks at every step. Hence, data security cannot be considered a separate phase in our project since it is included in the project architecture from the first design stage.
Yes, you can connect legacy systems to modern financial platforms, which is a request we get frequently. In cases where the old system lacks a connection, we will build custom API layers so data silos don’t hold your product back. Older mainframe-era software can usually be wrapped with a modern interface rather than replaced outright, which keeps the migration risk and the budget down.
Yes, we offer ongoing support and maintenance after deployment. APIs and regulatory compliance requirements change over time, so we stay on to manage updates, monitor performance, and keep your fintech integration service running as your financial products evolve.
Risks of integrating with financial providers without expert support are data consistency problems, failed transfers of funds between accounts, compliance gaps around industry regulations, and security holes that leave customer bank account information exposed. For this very reason, fintech startups and established financial institutions resort to the help of experts in this field.
Thank you! Your request has been sent — our team will get back to you within 48 hours.
If you plan to perform a financial systems integration project, we can discuss your business goals, existing systems, and plans regarding the integration, whether it’s a simple payment gateway or a complex fintech integration service engagement across multiple financial products. Our team reviews every inquiry and responds within 48 hours, and there’s no cost or commitment attached to a first conversation.
Next steps
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If needed, we sign an NDA before moving forward
We send a project proposal – estimates, timeline, and team CVs included
After launch, we stay on for any updates your product needs
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