Integrations with Plaid, TrueLayer, MX, Finicity, Bud, and Yapily depending on your target market and data requirements. Provider selection and coverage analysis before we build -- we map your target bank list against provider coverage and recommend the combination that covers your customer base. Integration covers the provider's link flow (account linking UI), token management (refresh token handling and re-authentication), webhook processing for real-time data update notifications, and error handling for the full range of bank-side and provider-side error responses. Normalized data models across providers so your application sees consistent account and transaction schemas regardless of which provider returned the data.

Account ownership verification confirming that the person linking the account is the named account holder -- required for AML and KYC purposes in most use cases. Account number and routing/sort code verification for payment setup. Real-time balance retrieval with configurable refresh intervals. Available versus ledger balance distinction -- the difference matters for lending decisions and payment initiation. Multi-account linking for customers with multiple bank accounts -- consolidated balance view and transaction history across accounts. Microdeposit-free verification for providers that support instant account verification, eliminating the 1 to 3 day delay of traditional microdeposit flows. Coverage falls back to microdeposit for banks not supported by instant verification.

Transaction history retrieval covering the maximum window available per bank (typically 90 days to 24 months). Raw transaction enrichment: merchant name identification from raw reference strings, category classification (income, housing, transport, food, utilities, entertainment), recurring transaction detection for salary, rent, and subscription identification, and counterparty business name resolution. Income stream detection: salary payments, freelance income, benefits, and rental income identified from transaction patterns rather than customer-reported figures. Enriched transaction data stored in your system with the raw provider response preserved for audit purposes. Refresh scheduling to keep transaction history current without hitting provider rate limits.

UK Faster Payments initiation via UK Open Banking -- per-payment consent flow, bank authentication, and payment status tracking through the payment lifecycle. SEPA Credit Transfer for EU payments. ACH payment initiation for US markets via providers that support it. Payment status webhook processing -- initiated, pending, completed, failed, and refunded states. Idempotency handling to prevent duplicate payment submissions. Reconciliation between payment initiation records and bank statement confirmation. Payment initiation is per-payment -- each payment requires separate customer authorization. We build the consent flow and payment confirmation UI that meets regulatory requirements and presents clearly to the customer.

Income verification from bank transaction data for lending, rent affordability, and payroll use cases. Salary detection: identification of regular employer credits, gross and net income estimation, income stability scoring. Self-employment and freelance income identification for applicants without a single regular employer credit. Benefit and government payment identification. Employment tenure estimation from first and most recent employer payment dates. Affordability calculations based on income minus identified recurring obligations. Bank-data-derived income verification as a supplement or alternative to payslip-based verification -- faster for customers, harder to falsify, and available in real time without document upload. Provider comparison for income verification: MX and Finicity have stronger income analysis models for US lending use cases; TrueLayer's income verification is more commonly used in UK mortgage and rent affordability contexts.

Multi-provider architecture that routes account linking to the appropriate provider based on bank coverage, with automatic fallback to an alternative provider if the primary provider returns an error or is unavailable. Provider selection logic that is invisible to the end user -- the linking flow works regardless of which provider handles the connection. Consent management UI: customers can view all active bank connections, see what data is being accessed, and revoke access per bank account. Consent expiry handling -- PSD2 consent expires after 90 days in the UK and EU; re-authorization flows that prompt the customer to renew consent before expiry without disrupting the product experience. Consent audit log for compliance purposes. The redundancy layer reduces dependency on any single provider and improves product reliability for your customers.