Payment and banking integrations: cards, bank links and reconciliation that closes itself
Taking money online and matching it to invoices is where shops and platforms leak time and errors. What payment and banking integration includes — gateways, PSD2 bank APIs, statements, refunds, compliance — and how to choose a provider.
Every online sale ends in a payment, and every payment has to be matched to an order and an invoice, refunded when things go wrong, and explained to the accountant. Payment and banking integration is the engineering behind that: card and wallet payments through a gateway, bank transfers detected automatically, statements imported and reconciled, and the whole flow compliant with PSD2, strong customer authentication and the card schemes’ rules.
What the service includes
- Gateway integration — Netopia, Stripe, PayU, Adyen, Mollie and bank-provided gateways, integrated into Magento, WooCommerce or a custom platform with 3-D Secure, saved cards, subscriptions and refunds.
- Bank APIs — PSD2 account information and payment initiation, statement import, automatic detection of incoming transfers and matching to invoices.
- Reconciliation — settlements, fees and chargebacks matched to orders and to the ERP, so month-end is a report rather than a hunt.
- Compliance — PCI DSS scope kept minimal by never touching card data, SCA flows, consent and data handling for bank data.
- Operations — monitoring of failed payments, alerts, and a plan for provider changes.
Choosing a provider
Fees matter less than coverage of the payment methods your customers use, the quality of the API, settlement timing and how disputes are handled. We have integrated most providers available in Romania and the EU and say plainly which fits.
What to prepare
- Your platform and current payment methods.
- Volumes, average order value and markets.
- Your bank and whether it offers API access.
- How invoices and refunds are handled today.
Details on the payment and banking integrations page.