Fintech integration — New Zealand
Custom integration of payments, open banking, KYC, and ledger systems for Kiwi banks, fintechs and marketplaces. We design secure APIs, connectors and end-to-end payments flows that meet NZ regulatory and operational requirements.
- Payments orchestration & acquiring
- Open Banking & AIS/PISP integrations
- Security, encryption & PCI/AML readiness
Our fintech integration services
From proof-of-concept to production-grade connectors and managed operations.
- Payments integrations (Stripe, Adyen, local PSPs)
- Bank API & Open Banking connectors
- KYC / AML pipeline integration
- Reconciliation, settlements and ledger design
Integration process
We follow a phased approach tailored for NZ fintech projects to reduce time-to-market and manage compliance risk.
- Discovery: APIs, participants, compliance mapping.
- Prototype: Sandbox integrations and flow validation.
- Build: Robust connectors, retries, observability.
- Operate: 24/7 monitoring, incident playbooks.
Technical stack & compliance table
| Layer | Technologies | Compliance |
|---|---|---|
| API / Gateway | Node.js, Go, Kong, OAuth2 | Open Banking, TLS1.2+ |
| Payments | Stripe, Adyen, ISO 20022 pipelines | PCI-DSS (scope reduction) |
| Identity | Auth0 / Keycloak, JWT | KYC integrations, AML screening |
| Cloud & Infra | GCP / AWS, Kubernetes, Terraform | Secure baselines, logging |
Selected NZ case studies
Marketplace payments
Built multi-currency settlement and reconciliation for a Kiwi marketplace, reducing settlement disputes by 87%.
Discuss similar
Open banking connector
Delivered an AIS/PISP connector and sandbox tests for a challenger bank in Auckland.
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Lead engineer — Anna R.
Product-led engineer with 8+ years in payments and banking integrations across ANZ.
FAQ
Ready to integrate?
We offer a short discovery call to scope integration work and identify compliance touchpoints. Typical deliverable: integration plan, sandbox connectors, and test scripts.
Start your fintech integration with us
We combine local regulatory knowledge with international payments engineering experience to deliver reliable integrations.