ClearBank Integration

6B are trusted digital engineering partners for organisations adopting ClearBank’s cloud-native banking infrastructure. We provide reliable connectivity to ClearBank’s APIs across accounts, payments, confirmation services, and reconciliation workflows. From early-stage discovery and compliance alignment through to build, testing, deployment, and ongoing optimisation, we ensure your platform integrates smoothly, securely, and in line with ClearBank’s operational standards.

Our mission is to help organisations launch high-assurance, real-time financial products by leveraging ClearBank’s modern clearing capabilities and embedded banking infrastructure.

Understanding ClearBank Integration

ClearBank is the UK’s first cloud-native clearing bank, providing real-time access to major payment schemes including Faster Payments, CHAPS, BACS, and Confirmation of Payee (CoP). Through its Banking-as-a-Service model, ClearBank enables financial platforms to offer safeguarded accounts, instant payment capabilities, virtual account structures, and automated treasury operations without becoming a fully regulated bank.

ClearBank’s integration model is built on RESTful APIs, providing endpoints for account creation, payment initiation, mandate management, inbound/outbound notifications, and detailed reconciliation data. Integrations can support high-volume, event-driven financial operations using webhook-based updates for payment statuses, returns, settlements, and scheme-specific exceptions.

To maintain compliance, ClearBank integrations require secure API authentication, webhooks with signed payloads, AML/KYC workflow alignment, and structured transaction monitoring. A complete integration ensures seamless payment flows, reliable balance management, and end-to-end visibility across your financial operations.

Our ClearBank Integration Process

Our ClearBank integration process begins with a detailed discovery phase focused on mapping your payment flows, operational workflows, and regulatory obligations. We identify which ClearBank APIs are required — such as Accounts, Payments, Mandates, BoE Settlement, or Confirmation of Payee — and align them with your business model and product design. This ensures your integration meets ClearBank’s technical and compliance standards from day one.

Once requirements are clarified, we design a secure architecture that incorporates encrypted API communication, authentication management, webhook processing pipelines, virtual account structures, balance and ledger synchronisation, and exception handling. Our architects ensure alignment with FCA expectations, safeguarding requirements, and ClearBank’s scheme-specific constraints.

Development uses 6B’s reusable integration components, including secure API clients, webhook routers, reconciliation modules, and virtual account utilities, enabling efficient delivery without compromising quality or resilience. We embed monitoring, retry logic, and detailed audit trails to handle high-volume, high-assurance banking operations.

Testing includes full workflow simulation across Faster Payments, CHAPS, BACS, Direct Debits, and Confirmation of Payee, validating message formats, settlement behaviours, and error scenarios. We coordinate with ClearBank through sandbox usage, certification, and pre-production testing to ensure your solution meets all operational requirements.

After deployment, we implement real-time monitoring, alerting, reconciliation dashboards, and ledger validation processes to ensure stability and transparency. We also support ongoing optimisation as ClearBank evolves its APIs and expands its payment scheme capabilities.

Benefits of ClearBank Integration

Integrating with ClearBank provides fast, reliable, and modern banking infrastructure without the burden of building or maintaining legacy banking systems. Real-time access to Faster Payments and CHAPS enables instant payouts, loan disbursements, merchant settlements, marketplace flows, and high-value transactions. Virtual accounts allow for granular balance segregation, automated reconciliation, and improved operational control across customer or partner groups.

ClearBank’s API-first platform reduces manual intervention by automating payment initiation, mandate management, notification handling, and settlement reporting. Confirmation of Payee enhances fraud prevention and reduces misdirected payments, improving customer trust and regulatory compliance.

From a strategic perspective, ClearBank enables fintechs and embedded finance providers to scale rapidly, expand internationally, and launch differentiated financial products backed by secure, cloud-native banking infrastructure. Its real-time clearing capabilities, combined with automated reconciliation workflows, strengthen risk management and improve financial accuracy across your platform.