One API for bank payments
Build Pay by Bank into your product through an API designed to keep payment integration straightforward.
Wetapo provides a single technical connection for creating and managing Open Banking payment journeys across different business use cases.
Built to fit into your existing stack
Payment infrastructure shouldn't force you to rebuild the systems you already use.
Wetapo is designed to work as part of your existing payment architecture. Your application remains responsible for the customer and product experience, while the Wetapo integration provides the payment capabilities required to connect that experience with Pay by Bank.
From creating a payment journey to following its status, the integration is designed around clear interactions between your platform and Wetapo.
A predictable payment lifecycle
Every payment moves through a lifecycle.
Understanding where a payment is within that lifecycle allows your application to respond appropriately.
For example, your system may need to distinguish between a newly created payment, a customer currently completing authorisation, a payment that has progressed successfully or a journey that was not completed.
Wetapo is designed to provide your systems with the information required to follow this lifecycle and build the appropriate business logic around it.
Built around a few simple concepts
Payments
A payment represents the payment journey initiated through your application.
Customers
Your customer interacts with their selected bank to authenticate and authorise the payment.
Status
Payment status information helps your application understand the current state of the payment journey.
Notifications
Your systems can react to relevant changes in a payment without requiring the customer to remain within the same browser session.
References
Your own transaction references can help connect Wetapo payment journeys with orders, invoices or transactions inside your platform.
Environments
Build and test in sandbox, then move to production with the same integration.
Designed for automation
Modern payment systems need to communicate without manual intervention.
Wetapo is designed for server-to-server interaction, allowing payment information to move between systems and helping businesses automate the processes that happen around a payment.
This can include updating an order, changing an invoice status, informing another internal service or triggering the next stage of a customer journey.
Your business logic stays in your systems. Wetapo provides the payment layer that your application can interact with.
Security from the start
Payment integrations involve sensitive systems and should be designed with security in mind from the beginning. Wetapo's integration approach is built around authenticated communication between systems, secure customer bank authentication and controlled exchange of payment information. Customers authenticate with their banking environment rather than sharing their online banking credentials with your business.
From testing to live payments
A successful payment integration normally starts away from the live environment. Your technical team can first build the required payment journey, connect it with your application and test how your systems respond to different stages of a payment. Once the integration has been validated and your business is ready to launch, the same overall payment model can form the basis of your production implementation.
Build bank payments into your stack.
Start integrating Wetapo into your payment infrastructure.
Ready to accept bank payments?
Tell us a little about your business and we'll help you explore how Wetapo fits your payment experience.