TrueLayer Integration

6B are trusted engineering partners for organisations adopting TrueLayer’s Open Banking infrastructure. We deliver reliable connectivity to TrueLayer’s APIs for payments, data, identity, and recurring payment mandates, ensuring compliant, efficient, and user-friendly financial journeys. From initial discovery and regulatory alignment through to development, testing, deployment, and ongoing support, we ensure your platform integrates smoothly and securely with TrueLayer’s ecosystem.

Our mission is to help organisations unlock the speed, transparency, and security of Open Banking technology to build modern financial products with superior user experiences and operational efficiency.

Understanding TrueLayer Integration

TrueLayer is a leading Open Banking platform enabling secure access to bank-grade payments, account data, and identity verification across the UK and Europe. Through its Payment Initiation Service (PIS) and Account Information Service (AIS) APIs, TrueLayer allows your platform to initiate instant bank-to-bank payments, fetch real-time financial data, verify account ownership, and support recurring payment mandates via VRP (Variable Recurring Payments).

TrueLayer’s API-driven model provides easy access to bank account balances, transaction histories, identity attributes, and payment initiation flows using PSD2-compliant connections. Payments through TrueLayer bypass card rails, reducing transaction costs and settlement delays, while improving security and authorisation success rates. AIS endpoints enable richer financial insights for credit scoring, risk assessment, account verification, and personalised financial experiences.

Integrating with TrueLayer requires secure API communication, strong authentication, OAuth flows, and event-driven webhooks for status updates and payment confirmations. A well-designed integration supports high throughput, compliant data access, and scalable Open Banking workflows across diverse financial use cases.

Our TrueLayer Integration Process

Our TrueLayer integration process begins with a detailed discovery phase to identify your payment flows, data requirements, and regulatory obligations. We clarify whether you require PIS, AIS, VRP, identity services, or a combination of TrueLayer capabilities, and map these to your customer journeys and internal systems. This ensures your integration aligns with PSD2 requirements, Open Banking policies, and TrueLayer’s technical standards.

Once requirements are defined, we design a secure architecture that incorporates OAuth-based authentication, secure API communication, webhook processing, data enrichment flows, and structured error handling. Our architects ensure the design supports stable payment initiation, accurate data retrieval, and compliant data storage where necessary.

Development leverages 6B’s reusable Open Banking components, including OAuth handlers, secure API clients, webhook routers, transaction parsers, and financial data enrichment modules. These components accelerate integration while ensuring your system can handle high-volume, real-time financial workflows with resilience.

During testing, we simulate bank login journeys, data retrieval scenarios, payment initiation flows, identity verifications, VRP mandates, and webhook events to ensure your system behaves reliably across a wide range of edge cases. We coordinate with TrueLayer during onboarding steps, ensuring your environments meet all functional and compliance criteria.

After deployment, we implement monitoring, auditing, alerting, and performance optimisation to maintain stable, secure connectivity. We also provide long-term support to ensure your integration remains aligned with TrueLayer API updates, regulatory changes, and emerging Open Banking standards.

Benefits of TrueLayer Integration

Integrating with TrueLayer unlocks fast, secure, and low-cost Open Banking capabilities that improve customer experience and reduce operational overhead. PIS payments settle instantly and eliminate card scheme fees, making them ideal for payouts, deposits, loan repayments, and e-commerce checkout flows. VRP enables frictionless recurring payments without card-on-file risks, supporting subscription services, automated top-ups, and regular financial commitments.

AIS integration provides real-time, high-quality financial data that enhances risk assessments, affordability checks, onboarding flows, and user insights. This reduces fraud, accelerates verification processes, and enables more personalised and data-driven financial experiences.

TrueLayer’s event-driven architecture streamlines operational workflows by automating status updates, reconciliation, and authorisation tracking. From a security standpoint, Open Banking reduces exposure to card fraud and supports strong customer authentication (SCA), improving overall trust and compliance.

As your business grows, TrueLayer’s expanding European coverage, high uptime, and rich API capabilities support scalable international financial products and advanced data-driven services.