Customer payments app
Customer payments app
Native initiation: Faster Payments, Open Banking PIS, and card-on-file, with PSD2 SCA applied per transaction class.
Solutions · Financial Services
Real-time payment rails that clear 99.99%.
Faster Payments, SEPA Instant, Open Banking, and card acquiring, engineered against PSD2 SCA, FCA EMR, and PSR resilience tolerances from week one.
Solutions we provide
One payments platform, every initiation surface.
Every rail settles into one ledger: the app customers pay from, the portal merchants reconcile in, and the operator console.
Merchant settlement portal
Merchant settlement portal
Settlement statements, per-rail reconciliation, chargeback filing, and self-service payout schedules for merchants.
Payments operator console
Payments operator console
Live rail health across Faster Payments and SEPA Instant, reconciliation queues, and one-click EMR safeguarding export.
Benefits of the platform
What changes once the rails consolidate.
Production payments outcomes, each figure sourced to a named client engagement.
The benefit that matters most
A unified payments stack, live inside the audit window.
Faster Payments, SEPA Instant, card schemes, and Open Banking PIS settle into one idempotent double-entry ledger, built, certified, and regulator-cleared in 16 weeks.
16 wksDiscovery to first live rail
99.99%
Rail availability vs PSR tolerances
- UK challenger bank, rolling
0
Material reconciliation breaks, 12 months
- Same client, supervisor evidence
<24 hrs
EMR safeguarding evidence on request
- FCA-supervised e-money firm
What payments teams measure 12 months on.
- 4 rails
- Consolidated onto one ledger
- Faster Payments, SEPA, BACS, and cards: one source of truth.
- 40%
- Engagements include Open Banking PIS
- Bank-to-bank settlement alongside the core rails.
- FCA EMR-cleared
- Safeguarding reviews
- Daily reconciliation held the review, no findings.
From fragmented rails to audited settlement
The payments failures our engineering retires.
Six structural defects every payments estate inherits, and the shape we ship in their place.
BeforeLegacy
- Siloed per-rail ledgers
- Stuck at 99.95% uptime
- Manual reconciliation
- 90-day release ceremony
- Misapplied SCA exemptions
- On-request EMR evidence
BritonOne Technology Payments PlatformOne platform. One audit trail. One source of truth.
100% Live- Solved
Single idempotent ledger
Faster Payments, SEPA Instant, BACS, and the card schemes settle into one double-entry ledger, idempotent at every write.
- Solved
Active-active rail core
Multi-region active-active with rehearsed failover holds 99.99% against PSR tolerances, through peak, not just normal weeks.
- Solved
Continuous release pipeline
Weekly ships behind continuous control monitoring replace the quarterly risk ceremony: velocity without the audit fear.
- Solved
Exemption-aware SCA engine
TRA, low-value, and trusted-beneficiary exemptions applied correctly per transaction class: friction down, fraud not waved.
- Solved
Continuous reconciliation
Exception-driven reconciliation runs inline against the ledger, so breaks surface in minutes, not the morning after.
- Solved
Dashboard-ready EMR evidence
Safeguarding-account segregation and daily reconciliation stream continuously, so supervisor evidence is one export.
Regulatory by designFCA · PRA · EBA aligned
Audit-readyEvidence from day one
Secure & resilientBy design
Runs in your cloudAWS · Azure · GCP
How we build
Our step-by-step way of building your rails.
A proven roadmap turning your payments programme into bounded, audit-cleared stages with evidence at each step.
- 1Week 1–4
Audit the payment estate
We map the rails, idempotency gaps, and FCA EMR and PSR articles in play, then lock a costed onboarding sequence.
- 2Before any code
Design the ledger & threat model
The idempotent double-entry ledger, rail topology, and a signed threat model, cleared with finance and second-line before any code.
- 3Every sprint
Build rail by rail
Ledger, first rail (typically Faster Payments), SCA engine, reconciliation, and EMR safeguarding progress in parallel pods behind feature flags.
- 4Before ramp
Certify, clear & launch
Pen-test, scheme certification, resilience rehearsals, and FCA notification. Then pilot behind a flag with a control cohort, clear review, and scale.
Why BritonOne Technology
Why firms build their rails with us.
Payments is the work we do most. Every reason below is one a reference client will confirm on a call.
Regulator-fluent architects
The architect on your discovery call is the one in your FCA meeting. FCA EMR and PSD2 RTS are design inputs, not gates.
We run inside your cloud
Your AWS, Azure, or GCP account, your IAM, your KMS: no client funds-flow data held, no shadow copies.
Evidence produced in step
Safeguarding reconciliation, SCA exemption telemetry, and the regulator pack ship each sprint, not a scramble.
Bounded, costed scope
A paid diagnostic and a fixed-price build plan: no open-ended retainers, no scope that quietly expands.
One senior team, end to end
Ledger, rails, SCA, reconciliation, and 24×7 SRE from one senior pod, no hand-off cliff.
Proven on scheme timelines
We took a payments platform from estate audit to certified Faster Payments participant in sixteen weeks.
Success stories
Programmes we have shipped
89%
Fintech
Autonomous reconciliation for a payments processor
Resolved 89% of reconciliation breaks without a human, every action logged for audit.
PythonTemporalLangGraphPostgresAWS
Country · DE
120+
Fintech
API and integration layer for a payments group
Unified 120+ partner integrations behind one governed API gateway.
TypeScriptNode.jsKongOpenAPIAWS
Country · DE
0 outages
Retail
Cloud migration for an omnichannel retailer
Re-platformed e-commerce to the cloud, holding availability through a record peak-season trading day.
AWSTerraformEKSCloudFront
Country · UK
3x
Retail
Checkout stress and spike testing for a merchant platform
Isolated the true checkout bottleneck and produced a validated capacity model showing three times the throughput headroom the platform believed it had.
GatlingJMeterGrafanaNew Relic
Country · US
3-chain shortlist
Fintech
Stablecoin settlement strategy for a finance SaaS
Delivered a reference architecture and a three-chain shortlist for embedding stablecoin settlement into a SaaS finance platform's cash-flow workflows.
Feasibility studyStablecoinsSolution architectureChain selection
Country · US
0 critical findings
Fintech
On-chain escrow and payout rails for a founder finance platform
Programmable escrow and stablecoin payout contracts cleared external audit with zero critical or high findings for a founder finance platform.
SolidityOpenZeppelinAccount AbstractionBase
Country · UK
44%
Banking
Grounded knowledge copilot for a retail bank contact centre
Cut average handle time 44% across 2,600 agents, with answers grounded in approved policy only.
PythonAzure OpenAIAzure AI SearchKubernetes
Country · UK
31%
Fintech
Explainable credit scoring for a digital lender
Lifted approval rates 31% at constant loss, every decision reason-coded for the FCA.
PythonLightGBMSHAPAWS SageMaker
Country · UK
12x
Wealth Management
Adverse-media screening for a private bank
Screened 12x more names at a lower false-positive rate, each hit evidenced.
PythonTransformersElasticsearchAzure
Country · CH
9 months
Banking
Core-banking platform build for a challenger bank
Ledger, accounts, and payment rails delivered to an FCA launch milestone in 9 months.
GoPostgreSQLKafkaKubernetesAWS
Country · UK
78%
Banking
Onboarding web app for a digital bank
Straight-through KYC onboarding raised completion to 78%.
ReactTypeScriptNode.jsAWS
Country · UK
15x
Fintech
CI/CD overhaul for a fintech
Lifted release frequency 15x with automated gates and one-click rollback.
GitHub ActionsArgo RolloutsKubernetesTerraform
Country · UK
44%
Banking
AML transaction-monitoring analytics for a bank
Cut false-positive AML alerts 44% at a bank while catching more genuine risk.
SnowflakedbtPythonPower BI
Country · UK
22%
Wealth Management
Customer identity rebuild for a wealth platform
Passwordless identity cut account-takeover 22% and sign-in friction at a wealth platform.
Auth0WebAuthnFIDO2Node.js
Country · CH
10k+ assertions
Banking
API testing for a digital banking app
Delivered 10,000+ automated assertions across balance, transfer, and payment APIs, catching every schema and auth regression before release for a digital bank.
PostmanRESTNewmanJMeter
Country · UK
Auth hardened
Government & Public
Authentication and access-control testing for an identity platform
Tested login, SSO, and token flows end to end and hardened the identity layer against real abuse cases before rollout.
Burp SuiteOAuth2OIDCJWT
Country · CH
60% narrower scope
Government & Public
Verifiable-credential feasibility study for a workforce platform
Scoped a focused credentialing pilot over a full rebuild, narrowing the programme 60% for a workforce management platform.
Feasibility studyChain selectionVerifiable CredentialsROI model
Country · UK
ERC-3643 blueprint
Wealth Management
Real-estate tokenisation and tokenomics advisory
Delivered a fractional real-estate tokenisation model with an ERC-3643 compliance blueprint for regulated investor onboarding.
TokenomicsRWA tokenisationERC-3643Chain selection
Country · AE
$1B+ in loans matched
Banking
Lending and borrowing marketplace for a DeFi fintech
Matched borrower demand to non-custodial money markets through a single application, routing more than a billion dollars in loans across lines of credit and term loans.
SolidityAave v3ChainlinkEthereum
Country · US
Who we are
About usBritonOne Technology is a full-cycle engineering company that builds and operates production software for regulated estates. Since 2017, we have shipped programmes that clear audit on the first pass across banking, insurance, wealth, healthcare, and biotech. Our teams pair deep domain knowledge with disciplined engineering, treating compliance, security, and resilience as first-class deliverables. From architecture through to live operations, we stay accountable for the systems we build, measuring success by uptime, audit outcomes, and defensible business results.
60+Senior engineers across UK and EU
Why choose us
Engineer experience, average9+ yrs
Specialist replacement window48h
Code and IP ownership, day one100%
Surprise invoicesZero
Reference calls, not slideware
What payments teams say after go-live.
Every quote below comes from a programme we shipped, and a reference our prospects are welcome to call.
Four siloed rails, finally on one ledger.
“Our previous estate had four siloed rails with manual reconciliation. BritonOne Technology shipped the unified idempotent platform in sixteen weeks. The PRA SS2/21 review specifically cited the ledger architecture as exemplary.”
Head of PaymentsUK challenger bank, Series-B
Common questions
What CTOs and Heads of Payments ask first.
