Softjourn
Fintech

Fintech Integrations

Connect your financial platform with the APIs, tools, and providers that matter most. Whether you're launching a new service, scaling a payment infrastructure, or modernizing a legacy product, Softjourn helps you build integrations that are secure, scalable, and tailored to your business needs.
Connect your financial platform with the APIs, tools, and providers that matter most. Whether you're launching a new service, scaling a payment infrastructure, or modernizing a legacy product, Softjourn helps you build integrations that are secure, scalable, and tailored to your business needs.

Trusted by startups and industry leaders worldwide:

Ukrainian Processing Centre (UPC) - Softjourn financial client logo
PEX - softjourn's prepaid client
iKobo - Softjourn's financial client
Viamericas - Softjourn's money transfer system client
PayPartners - Softjourn prepaid card client logo
Bullet
Emburse
NDA
svb
CentreBack
Card Tent - Softjourn's financial client
Tribal Credit - Softjourn's financial client
Vanco - Softjourn's Client

Our Fintech Integration Experience

With 15+ years of experience supporting fintechs, banks, and expense management platforms, we know how to architect integrations that unlock revenue, accelerate development, and strengthen compliance – while keeping user experience at the center.

Softjourn helps financial platforms integrate with the services and tools that power growth, security, and customer satisfaction. Whether you’re building a banking product, an expense management tool, or a lending platform, we support integrations across the entire financial ecosystem:

Connect with the providers that will power your growth — from KYC and card issuing to payments and accounting.

Key Fintech Integration Areas

Payments & Cards

Drive transactions and offer flexible financial tools.

  • Payment Processing
    Integrate with Stripe, Adyen, PayPal, and more to accept payments globally.

  • Card Issuing & Prepaid Programs
    Launch virtual or physical cards, including prepaid, using providers like Marqeta, Thredd, and Galileo.

  • Digital Wallets
    Enable secure mobile payments and top-ups via Apple Pay, Google Pay, and custom wallet solutions.

Identity, Risk & Compliance

Ensure safety, trust, and regulatory readiness from day one.

  • KYC, AML & Identity Verification
    Verify users in real time with Jumio, Onfido, Veriff, and others.

  • Fraud Detection & Risk Engines
    Detect suspicious activity using behavior-based monitoring tools.

  • Compliance & Permissions Engines
    Automate roles, access rules, and audit trails to meet regional and global standards.

Embedded Banking & Financial Data

Power core banking features without building from scratch.

  • Banking-as-a-Service (BaaS)
    Enable IBANs, SEPA, ACH, and more via Mambu, Synapse, and others.

  • Open Banking & Data Aggregation
    Connect to user accounts using Plaid, TrueLayer, and SaltEdge for real-time data.

  • Custom APIs & Integration Wrappers
    Bridge your unique architecture to any system with tailored middleware.

Global Payments & Currency

Support borderless growth and seamless conversions.

  • Cross-Border Payments & FX
    Enable international transfers and currency exchange via Wise, CurrencyCloud, Nium, and Airwallex.

  • Remittance Services
    Provide low-cost, fast international transfers using trusted remittance networks.

Reporting, Dashboards & Insights

Track, visualize, and act on key financial data.

  • Analytics & BI Tools
    Integrate with tools like Looker, Tableau, or build custom dashboards for real-time visibility.

  • Transaction Reporting
    Automate compliance and customer reporting workflows.

  • Permissions & Admin Control
    Maintain system transparency with role-based dashboards and logs.

 

Lending, BNPL & Investments

Offer financial flexibility and new revenue streams.

  • Lending-as-a-Service
    Integrate credit bureaus, alternative data, and BNPL providers like Affirm, Klarna, and PayPal.

  • Online Brokerage & Wealth Tools
    Connect to investment platforms or embed trading features for end users.

Results You Can Expect

Faster Launch of New Services
Faster Launch of New Services

Whether it’s adding card issuing, KYC, or open banking, integrations reduce time-to-market so you can roll out new offerings without overhauling your core system.

Improved User Onboarding & Conversion
Improved User Onboarding & Conversion

Integrations with identity verification, fraud scoring, and decision engines streamline the user journey — reducing drop-offs and speeding up approvals.

Increased Revenue Opportunities
Increased Revenue Opportunities

By connecting to BNPL providers, digital wallets, and alternative payment methods, platforms unlock new transaction flows and serve a broader audience.

Operational Efficiency & Automation
Operational Efficiency & Automation

Back-office integrations eliminate manual tasks like reconciliation, compliance reporting, and data exports — freeing up time for higher-value activities.

Regulatory Confidence
Regulatory Confidence

Our secure, auditable integration frameworks help platforms meet evolving KYC, AML, PCI-DSS, and regional compliance requirements.

Future-Ready Flexibility
Future-Ready Flexibility

With well-structured APIs and middleware, you can easily connect new partners or swap vendors — without redoing your entire infrastructure.

Want to learn more about how we can support your next fintech integration? Let’s connect.

How We Deliver Seamless Fintech Integrations

Every integration is unique, but our proven approach ensures secure implementation and long-term reliability.
Analyze architecture, workflows, and goals to set integration requirements.
Design blueprints with chosen technologies, APIs, and scalable architecture.
Build connectors, middleware, or APIs for secure, efficient data flows.
Test for functionality, security, performance, and regulatory compliance.
Deploy with minimal disruption, maintaining data integrity.
Monitor, support, and optimize to ensure long-term performance.
Monitor, support, and optimize to ensure long-term performance.

Benefits of Working With Softjourn

Accelerated Time-to-Market

Accelerated Time-to-Market

Our familiarity with fintech platforms, APIs, and compliance frameworks means faster delivery, so you can roll out new features and partnerships with confidence.
Proven Scalability & Security

Proven Scalability & Security

We design integrations that can handle growing user volumes, complex workflows, and evolving security threats without compromising performance.
Reduced Costs & Integration Risks

Reduced Costs & Integration Risks

With 20+ years of experience and reusable components, we help you avoid costly missteps and ensure every integration is built to last.
Enhanced User Experience

Enhanced User Experience

Whether it’s seamless onboarding, instant payments, or real-time data sync, our integrations are built to improve customer satisfaction and retention.
Flexible Engagement Models

Flexible Engagement Models

Need a full development team, tech lead, or short-term architecture support? We scale to meet your internal capacity and timelines.
Regulatory Confidence

Regulatory Confidence

We embed compliance into every integration, from KYC and AML to PCI-DSS and PSD2, giving you the assurance that new features meet regulatory standards from day one.
See How Finance Leaders Scaled With Us

Explore real-world case studies where Softjourn helped fintechs accelerate growth, strengthen compliance, and deliver new features faster.

Some of the Integrations We Support

Fintech Integrations
Affirm
Affirm
Afterrpay
Afterrpay
Apple Pay
Apple Pay
Finastra
Finastra
FIS
FIS
Google Pay
Google Pay
Klarna
Klarna
Mastercard
Mastercard
Onfido
Onfido
PayPal
PayPal
QuickBooks
QuickBooks
Revolut
Revolut
Stripe
Stripe
Temenos
Temenos
Visa
Visa
Worldpay
Worldpay

We’ll help you integrate with the right tools to improve onboarding, reduce risk, and scale with confidence.

Integration for Growth
Fintech companies face constant pressure to expand their offerings and improve efficiency through seamless integrations. From payment processors to compliance tools, the ability to connect systems quickly and securely is what drives scalability, customer satisfaction, and long-term growth — and our solutions are built to deliver exactly that.
Softjourn Fintech Experience
Since 2004, we’ve delivered a wide range of fintech integration solutions — from payment gateways to compliance systems. We’ve built new, innovative integrations and strengthened existing platforms to help our clients scale, stay competitive, and drive growth.
Future-Ready Fintech
As a global technology partner for fintech companies, we specialize in building integrations that accelerate growth and innovation. From payments and compliance to data analytics and open banking, our solutions prove one thing to our clients: the fastest way to shape the future of finance is to integrate it.
Integration for Growth
Fintech companies face constant pressure to expand their offerings and improve efficiency through seamless integrations. From payment processors to compliance tools, the ability to connect systems quickly and securely is what drives scalability, customer satisfaction, and long-term growth — and our solutions are built to deliver exactly that.
Softjourn Fintech Experience
Since 2004, we’ve delivered a wide range of fintech integration solutions — from payment gateways to compliance systems. We’ve built new, innovative integrations and strengthened existing platforms to help our clients scale, stay competitive, and drive growth.
Future-Ready Fintech
As a global technology partner for fintech companies, we specialize in building integrations that accelerate growth and innovation. From payments and compliance to data analytics and open banking, our solutions prove one thing to our clients: the fastest way to shape the future of finance is to integrate it.

What Services We Offer

From architecture audits to integration roadmaps, we help clarify your requirements, reduce technical risk, and define the right path forward — saving you time and budget. Discover more about our Fintech Consulting.

Explore innovative fintech solutions before committing to full development. We’ve built AI-powered assistants, blockchain prototypes, custom card-issuing flows, and more. Learn more.

We design intuitive financial experiences — from onboarding and KYC to dashboards and payment flows — aligned with your brand, users, and compliance needs. Explore further into Softjourn's Digital Product Design Services.

We specialize in integrating fintech platforms with the services that matter — from card issuing and KYC/AML to open banking and payment processing. Learn more about our integration services.

Build scalable, secure solutions tailored to your business model — including integrations with banks, processors, BaaS providers, and payment gateways. Get to know more about Softjourn's Software Engineering Services.

Our QA team ensures your platform runs smoothly and securely under real-world financial use cases — from performance and compliance to user experience. Explore further into Softjourn's QA services.

Stay ahead of platform changes and evolving fintech regulations with ongoing support, monitoring, and feature enhancements for your live applications. Get to know more about Softjourn's Application Support and Maintenance Services.

Our technology stack at Softjourn is designed to empower us to deliver world-class services to our clients. With a strong focus on innovation and efficiency, we continually adapt our expertise to stay ahead of the curve. Discover the Technologies and Frameworks we utilize, and learn how we can bring your ideas to life.

Client Testimonials

Tacit Corporation selected Softjourn for their custom event ticketing solutions due to their technical expertise and direct approach. Brenda Crainic, CTO of Tacit, highlighted, "Our Softjourn team developed and helped us certify most of our integrations with over 60 third-party systems, such as Point of Sale, payment gateways, loyalty and gift cards, players cards, student cards, lockers and most recently, autonomous stores.
Our team’s dedication to understanding Tacit's needs has been instrumental in enhancing their platform’s capabilities, ensuring robust solutions. This ongoing collaboration underscores our commitment to delivering high-quality, innovative services that support our clients' visions." - Brenda Crainic, CTO and Co-Founder of Tacit

Read the Full Case Study

Fintech Integrations FAQ

We cover the full fintech ecosystem: payments, card issuing, KYC/AML, BaaS, open banking, lending, accounting, cross-border payments, FX, and more.

We’re tech-agnostic and have experience with a wide range of systems — including cloud-native apps, microservices, legacy platforms, and mobile/web apps across AWS, Azure, and more.

The best time is during platform planning or when expanding your feature set. Early integration planning ensures smoother architecture, reduces rework, and speeds up time-to-market.

You can — but it depends on your team’s experience. Many fintech integrations involve complex flows, compliance risks, and platform nuances. Our team helps you avoid pitfalls and deliver faster, more secure implementations.

Faulty or incomplete integrations can cause delayed transactions, failed KYC checks, reconciliation errors, and even compliance breaches. We help ensure your integrations are robust, secure, and audit-ready.

Yes. We can integrate modern APIs with legacy systems, or design middleware layers to bridge architectural gaps. We’ve done this for banks, fintech startups, and enterprise platforms.

Absolutely. We build for scale — using cloud-native architectures, asynchronous processing, and performance testing to ensure stability during high-traffic periods like product launches or reporting cycles.

It varies. Simple integrations may take 2–4 weeks, while more complex ones involving multiple services, compliance checks, or legacy platforms may take longer. We provide clear timelines after a brief scoping call.

We monitor API changes and build version-aware integrations. If you choose our maintenance package, we’ll handle updates proactively to avoid disruption.

Yes — whether you need a dashboard, reporting module, or a custom UX flow to accompany the integration, our team can handle full-cycle development alongside the connection itself.

Pricing depends on complexity, timeline, and your engagement model (T&M, Fixed Bid, or Dedicated Team). We’re happy to provide an estimate after understanding your requirements. Contact us to learn more.