Payments and collections
Card, instant EFT and debit order rails connected with idempotent processing and reconciliation.
Fintech integration.
Fintech integrations connect payment rails, identity and credit checks, core platforms and accounting with the security, audit trails and reliability that regulated financial products need.
- Fintech
- POPIA-aware
SourcePayments and collections
SourceOnboarding and KYC
MiddlewareMap · secure · log
SystemCredit decisions
AuditAccess logged
SystemLedger and reporting
Fintech integration, explained
Which systems do fintech companies integrate?
Fintech integrations connect payment rails, identity and credit checks, core platforms and accounting with the security, audit trails and reliability that regulated financial products need.
Typical systems: banking and payment APIs such as PayFast, Ozow, Peach Payments and Stitch, identity verification and credit bureau services, core platforms and accounting.
Financial products fall under the FSCA and, for credit, the National Credit Regulator; FICA governs customer due diligence; and POPIA applies to all personal information.
Fintech systems
What makes fintech integration different from ordinary business integration?
In fintech, a duplicated or lost message is not an inconvenience; it is money moved twice or not at all. Every integration has to be idempotent, so retries never double-charge, fully logged for audit, and designed for the moment a bank or bureau API is slow or down. We build those guarantees in from the first design session rather than adding them after a reconciliation goes wrong.
Four integrations for fintech.
Where fintech companies and lenders usually start.
Onboarding and KYC
Identity verification and FICA checks orchestrated into one onboarding flow.
Credit decisions
Credit bureau and affordability data pulled into decision rules with full logging.
Ledger and reporting
Transactions posted to the ledger and accounting, with regulatory reporting extracts.
Fintech integration at a glance.
What shapes integration work for fintech companies and lenders.
| Fintech | |
|---|---|
| Systems we connect | Banking and payment APIs such as PayFast, Ozow, Peach Payments and Stitch, identity verification and credit bureau services, core platforms and accounting |
| Rules to respect | Financial products fall under the FSCA and, for credit, the National Credit Regulator; FICA governs customer due diligence; and POPIA applies to all personal information. |
| First integration | Payments and collections |
| Tier that usually fits | Integration hub or Enterprise integration |
How we deliver an integration
A clear path. Tested before it goes live.
Every connector is built in staging, run in parallel with your team and monitored after launch.
- Step 1
Discovery and mapping
We audit SKUs, warehouses, customers and accounts on both sides and agree a written field map.
- Step 2
Staging connector
The connector is built and tested against test data or a copy of your company.
- Step 3
Parallel run and go-live
Both the old process and the connector run side by side until the numbers match.
- Step 4
Monitor and support
Alerts, logs and a runbook, with monitoring plans from R2,500 a month.
Integration pricing in plain numbers.
Typical integration scopes. Final pricing depends on systems and complexity.
Essential connector
R15,000–R35,000
Two-system sync, a single workflow automation or a pilot integration.
- Timeline
- 1–3 weeks
- Discovery and field mapping
- REST or webhook connector
- Staging tests and go-live
- Handover documentation
Integration hub
R45,000–R120,000
Multiple SaaS tools, retail or finance operations, growing product teams.
- Timeline
- 4–8 weeks
- Middleware or event bus
- 3–5 connected systems
- Monitoring and alerting
- POPIA-aware auth patterns
Enterprise integration
From R150,000
ERP + CRM + ecommerce, legacy modernisation and SLA requirements.
- Timeline
- Scoped
- Solution architecture
- High-volume sync and queues
- Security review and runbooks
- Ongoing support options
Integration monitoring and support
Keep connectors healthy after launch.
| Plan | Price | Includes |
|---|---|---|
| Monitor Lite | R2,500/mo | Uptime checks and email alerts |
| Monitor Pro | R5,500/mo | Dashboards and incident response |
| Managed integration | R9,500+/mo | Changes, patches and SLA options |
For fintech companies and lenders, projects are usually Integration hub or Enterprise integration scope. Full details on the API integrations page.
How do you prevent duplicate payments when an API call is retried?
Every payment request carries a unique idempotency key, and the integration checks it before acting, so a retry after a timeout never creates a second payment.
Can you integrate with South African open banking providers?
Yes. We work with providers such as Stitch and with bank APIs where available, subject to each provider’s onboarding and your regulatory approvals.
How much does integration cost for fintech?
Single connectors start as Essential connectors at R15,000–R35,000. Most fintech projects connect several systems and are Integration hub or Enterprise integration scope; Integration hub projects are R45,000–R120,000 and enterprise work starts from R150,000.
Your next chapter starts here
Fintech systems, connected.Let’s make it work.
Tell us which systems you run and where the manual work is. We’ll reply with a field map and a fixed-scope proposal.
[email protected]+27 82 639 0925