Whether you’re integrating Faster Payments, SEPA, SWIFT, ISO 20022, Bacs, CHAPS, open banking payments, or alternative payment methods, we provide the architecture, engineering, and governance needed to deliver resilient, high-performance payment connectivity that can operate at scale.
We help you build payment services that are reliable, auditable, and ready for the regulatory and operational demands of modern financial infrastructure.
Understanding Payment & Messaging Network Integration
Payments infrastructure is critical to the functioning of any financial institution. It must process transactions quickly, securely, and consistently — while meeting strict compliance expectations and maintaining near-zero tolerance for downtime or data errors.
Integrating with payment networks and messaging schemes is inherently complex. Systems must support high throughput, low latency, and full traceability. They must handle fraud controls, AML monitoring, reconciliation, settlement processes, and scheme-specific rules. Every integration must satisfy regulatory requirements set by the FCA, PRA, PSD2, DORA, and scheme operators.
6B specialises in building integrations that adhere to these standards while enabling modern, flexible payment capabilities. Whether you’re adopting real-time payments, upgrading to ISO 20022 messaging, or unifying fragmented legacy payment flows, we help ensure your connectivity is secure, stable, and future-ready.
Our Payment & Messaging Network Integration Approach
Our approach begins with a detailed assessment of your existing payment architecture, message formats, scheme requirements, fraud and AML processes, and operational dependencies. We work closely with your teams to map payment journeys from initiation to settlement, understanding the regulatory, technical, and performance constraints that shape your environment.
From this foundation, we design integration patterns that support real-time processing, resilience, and compliance — whether through direct scheme access, sponsor banking partnerships, service gateways, or orchestration layers. We architect and implement support for ISO 20022 schemas, SWIFT MT/MX formats, Faster Payments interfaces, SEPA messaging, open banking payment APIs, and card scheme messaging where required.
Throughout delivery, we prioritise secure data flows, message validation, error-handling logic, reconciliation readiness, and high-availability configurations. Our teams build integrations that include fraud controls, AML triggers, audit trails, and observability to ensure every transaction is traceable and compliant. We support extensive testing across functional, performance, security, failover, and scheme certification requirements to ensure that payment services operate flawlessly in production.
Estimate the Cost of Your Payment & Messaging Network Integration Project
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Thank you for your request! 🙌 We will review your project and get back to you within 24 hours to share a ballpark estimate.
Want to speak to someone today? Call 6B on 0113 350 1290.
Readiness checklist for Payment & Messaging Network Integration
- Identify payment schemes and messaging networks in scope (FPS, SEPA, SWIFT, Bacs, CHAPS, ISO 20022, open banking, card networks)
- Provide architecture diagrams, message formats, and existing payment flows
- Define regulatory and compliance expectations (PSD2, FCA/PRA, AML/KYC, DORA, PCI DSS)
- Document throughput, latency, uptime, and resilience requirements
- Confirm fraud, AML, and risk engine integration points
- Provide scheme onboarding or certification requirements
- Finalise environments, connectivity, access, MTLS configurations, and credentials
- Agree SLAs, settlement windows, reconciliation needs, and operational controls
- Identify SMEs across payments, compliance, technology, and operations