Risk level: Medium risk

Payment orchestration for fintech and neobanks

A fintech runs its own licence and its own ledger; what it buys is the software that connects them to the rails. Orchestration gives it Open Banking and Faster Payments in the UK, SEPA Instant in the EU, IMPS in India and USDC on-chain through the catalogue's providers, routes each top-up and payout to the provider that completes it, cascades a failure, and journals every movement for its regulator.

What goes wrong without orchestration

Top-ups by Open Banking go through one provider, and when its link to a large bank fails, that bank’s customers are stuck.
Payouts run on Faster Payments, SEPA Instant and IMPS through three integrations, each with its own status model and retries.
The regulator asks for the full history of one movement — request, provider, status changes, callbacks — and it is in logs that were rotated.

What orchestration changes

Routing of each top-up and payout by country, currency and amount; cascading of a failed payment to another provider of the same method; one status model across Open Banking (UK), Faster Payments, SEPA Instant, IMPS / NEFT and USDC; limits per account and per day; every movement, callback and retry journaled for five years with a trace for the regulator. The fintech or its provider holds the authorisation; the providers perform the payment initiation and settle the funds; Tranzify routes, cascades, journals and calls the webhook.

Methods by market

United Kingdom: Open Banking (UK) for top-ups from any bank app, Faster Payments (UK) for payouts in seconds.
EU: SEPA Instant in Germany, France, Spain, Italy, the Netherlands and Poland, both directions.
India: IMPS / NEFT for top-ups and payouts.
On-chain: USDC for deposits and payouts in the UK, Germany, the UAE, Brazil, Mexico and the United States.

Typical methods

OP Open Banking (UK) Open Banking · 1 countries Available SE SEPA Instant Bank transfers & instant payments · 6 countries Available FA Faster Payments (UK) Bank transfers & instant payments · 1 countries Available IM IMPS / NEFT Bank transfers & instant payments · 1 countries Available US USDC Crypto · 6 countries Available

Frequently asked questions

Does a fintech need a PSP in between?+

Not when it holds its own authorisation: it contracts the catalogue’s providers directly, and the platform runs under its licence. The providers perform the payment initiation; Tranzify routes and journals.

Who holds the licence?+

The fintech itself, or its PSP or bank where it is not authorised. Tranzify supplies the software; it does not onboard customers, hold funds or perform KYC.

Why is fintech a medium-risk vertical?+

Money in and out of accounts attracts fraud, so providers set limits and ask for a movement’s full history; both are built in.

See the platform on your own flows

Thirty minutes with an engineer, not a sales deck: your providers, your routing rules, your merchants' checkout.

✓ Not a financial institution
✓ Money never passes through us
✓ Built to PCI DSS requirements