Neobank API Integration Services

Financial API integration projects fall into three bands. A single-provider bank API integration (one aggregator, one payment gateway, or one KYC vendor) typically runs $15,000–$40,000 over 3–6 weeks. A multi-provider stack (BaaS plus KYC plus payments) runs $60,000–$150,000 over 2–4 months, and a full provider migration with ledger continuity runs $80,000–$180,000 over 3–5 months.

The main cost drivers are the number of provider products in scope, webhook and reconciliation depth, and whether historical data must be migrated. You get a fixed bid within ±15% after the Discovery Sprint.

It depends on your card program, your compliance appetite, and how much of the stack you want to own; there's no universally right answer among banking API providers. Galileo suits card-heavy programs at scale, Unit optimizes for fast launches with bundled compliance, Treasury Prime routes you to a network of sponsor banks, and a direct sponsor-bank relationship gives the most control with the most obligations.

We're vendor-neutral, so the recommendation comes from a comparison matrix built against your requirements plus a working sandbox integration, before contracts lock in your architecture.

Yes; provider migration with ledger continuity is one of our core services. The 2024 Synapse collapse showed what's at stake: products with no migration path lost access to customer funds data for months. We run migrations as a parallel-run: the new provider is integrated and reconciled against the old ledger before any cutover, so balances and history survive intact.

If your provider has already given notice, we start from data export and reconciliation first. That preserves your options even if the deadline is tight.

Neobank compliance in the US flows mostly through your sponsor bank: KYC/AML program requirements under the Bank Secrecy Act, transaction monitoring, and dispute handling are contractual obligations your integrations must support. On the engineering side, that means PCI DSS scope control for card data, SOC 2-aligned handling of customer records, and audit trails on every data exchange.

Neobank regulatory requirements differ by product (lending, cards, and crypto each add their own layer), so we scope compliance touchpoints during discovery.

Yes, but unlike the EU's PSD2 mandate, open banking in the United States is market-driven: access runs through aggregators like Plaid and Finicity, and the FDX standard defines the common API format. The CFPB's Section 1033 rulemaking pushes banks toward standardized, consumer-permissioned data access, which over time reduces screen-scraping and makes an open banking API connection more stable.

For your roadmap, the practical takeaway is to build against aggregator APIs with FDX-aligned data models. That keeps you compatible as direct bank connections mature.

Yes. Embedding with an existing team is one of our default models. Our engineers integrated Lakera's five front-end products with Auth0, Convex, and third-party model providers while working inside the client's own repos, review process, and feature-flag rollout system.

You keep code ownership and architectural control. We add fintech API expertise, provider-quirks knowledge, and delivery capacity.

Fintech API integration doesn't end at launch, because providers deprecate endpoints, change webhook payloads, and have outages on their own schedule. Every integration we ship includes observability on the provider connection, alerting on error-rate and latency shifts, and a documented response path for breaking changes.

For ongoing coverage, a support retainer gives you a 1-hour incident response window and scheduled upgrades when providers announce deprecations.

A Plaid integration covers product selection (Auth, Transactions, Identity, Income), Link flow embedding, webhook handling for re-link and revocation events, and mapping Plaid's data model to yours. Delivered properly, that's a 3–6 week project inside the $15,000–$40,000 single-provider band; undocumented re-link flows and multifactor edge cases are where integration projects lose months.

Note that Plaid integration cost on the engineering side is separate from Plaid's own usage pricing, which you contract directly. We help you model both before you commit.