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Development of In-House SEPA Payment Processing System with Regulatory Compliance

netguru.com

Financial services

Information technology

Business services

Payment System Limitations and Regulatory Compliance Challenges

Existing reliance on external payment providers creates operational dependencies and limits scalability. Integration of SEPA payments requires complex regulatory compliance, certification with BPCE PS, and robust testing to ensure stability, accuracy, and adherence to financial regulations while managing accounting reconciliation risks.

About the Client

Mid-market spend management platform providing corporate financial solutions

Key Project Goals

Build autonomous in-house SEPA payment processing system
Achieve BPCE PS certification for regulatory compliance
Implement end-to-end testing framework for payment workflows
Enable real-time SEPA Instant payment capabilities
Establish secure accounting reconciliation processes

Core System Functionalities

SEPA incoming/outgoing payment processing engine
BPCE PS certification-compliant communication protocols
Real-time payment status tracking and reporting
Automated accounting reconciliation system
Anti-money laundering (AML) compliance integration
End-to-end testing framework for payment workflows

Technology Stack Requirements

Node.js

Event Storming architecture

Supertest framework

Critical System Integrations

BPCE PS banking infrastructure
SEPA Instant payment APIs
Anti-money laundering (AML) technology provider
Corporate accounting systems

System Quality Requirements

24/7 payment processing availability
Regulatory compliance monitoring
High-volume transaction scalability
Payment data encryption standards
Real-time error detection and recovery

Expected Business Impact

Enables financial autonomy through in-house payment processing, reduces third-party dependencies, accelerates transaction processing through SEPA Instant capabilities, ensures regulatory compliance readiness, and establishes foundation for global payment expansion while maintaining 99.9% system reliability.