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Banking, Payments & Credit

Risk, verification, forecasting and reconciliation APIs for banks, payment processors, lenders and finance software.

Payments and lending are decision businesses. Most of the value sits in deciding faster and being wrong less often, on data the institution already touches.

How to read these. Each page is a blueprint for something we would build for you, with an illustrative interface mockup, the endpoints it would expose, the data it would need and an honest account of what makes it hard. None of them is a product we already operate.

Blueprints in this category

9 offers

Transaction Fraud Scoring API

Real-time risk scores for payments and account events, with explanations your analysts and your customers can both understand.

Payment processors · Banks · Marketplaces

Business Verification API

Company registry data, officer and ownership checks and entity resolution, returned as one call your onboarding flow can make.

Banks · Payment service providers · Fintechs

Bank Account Verification API

Confirm that a bank account exists, is open and belongs to the person or business claiming it, before you send money to it.

Payment service providers · Lenders · Payroll platforms

Payment Success Optimisation API

Routing recommendations, issuer performance measurement and decline analysis, so more of your legitimate payments actually complete.

Payment service providers · Marketplaces · Subscription platforms

Chargeback Prediction API

Dispute risk scores at authorisation and afterwards, so a chargeback can be prevented rather than fought six weeks later.

Payment service providers · Marketplaces · Subscription businesses

Cash Flow Forecasting API

Runway, liquidity and scenario forecasts from transaction and ledger data, embedded in accounting and SME banking products.

Accounting software · SME neobanks · Spend management platforms

Invoice Payment Prediction API

Expected payment date and late-payment risk per invoice, for the B2B platforms whose customers are waiting to be paid.

Accounting software · Invoicing platforms · Receivables finance providers

Credit Risk Scoring API

Probability-of-default modelling on permitted data, built to be explained, documented and defended to a regulator.

Banks · Lenders · BNPL providers

AML Screening API

Sanctions, PEP and adverse media screening with entity resolution and relationship analysis, built so every hit can be explained.

Banks · Payment service providers · Fintechs

Other categories

Trading & Capital Markets

Embedded research, scoring and risk intelligence for brokers, trading platforms, prop firms and investment apps.

9 blueprints

Insurance & Claims

Underwriting, pricing, claims automation and fraud intelligence for insurers, brokers and claims administrators.

8 blueprints

E-commerce & Retail

Pricing, catalogue, demand and customer intelligence for retailers, marketplaces and commerce software.

9 blueprints

Real Estate & Property

Valuation, rental, risk and development intelligence for portals, lenders, investors and property software.

8 blueprints

Travel & Hospitality

Pricing, disruption, demand and destination intelligence for booking platforms, hotels and travel management firms.

8 blueprints

Logistics & Supply Chain

Prediction, benchmarking and exception intelligence for carriers, freight platforms, 3PLs and procurement teams.

9 blueprints

Healthcare & Life Sciences

Document, scheduling, capacity and evidence intelligence for health software, providers and life-science firms.

8 blueprints

Sales, Marketing & Ad Tech

Enrichment, intent, scoring and brand intelligence for CRMs, sales platforms, agencies and marketing software.

9 blueprints

Cybersecurity, Identity & Fraud

Exposure, reputation, authenticity and abuse intelligence for security vendors, banks and trust-and-safety teams.

8 blueprints

Manufacturing & Industrial

Maintenance, quality, parts and supplier intelligence for industrial software, manufacturers and distributors.

8 blueprints

Energy & Utilities

Price, generation, demand and asset intelligence for utilities, traders, installers and energy software.

7 blueprints

Agriculture & Environment

Yield, disease, water and environmental intelligence for agritech, insurers, lenders and commodity firms.

8 blueprints

Education & Workforce

Skills, salary, matching and progression intelligence for HR software, job platforms and education providers.

8 blueprints

Legal, Compliance & GovTech

Contract, regulatory, tender and screening intelligence for legal software, compliance teams and public-sector suppliers.

8 blueprints

Media, Gaming & Sports

Content, audience, integrity and rights intelligence for streaming platforms, publishers, studios and sports apps.

8 blueprints

Telecom & Communications

Number, routing, quality and conversation intelligence for carriers, CPaaS providers and contact-centre software.

7 blueprints

SaaS, AI & Developer Infrastructure

Extraction, search, monitoring and evaluation APIs that software companies embed and resell to their own customers.

9 blueprints

Something close but not quite right?

These are starting points. Most engagements begin with one of them and change shape once we understand your data and your customers.