Open Banking Platform

Payments &
insights that
flow freely.

Reflow connects UK businesses to every major bank through a single, elegant API — unlocking instant A2A payments, real-time account data, and actionable financial insights.

Start building free See how it works
Bank-grade security
Sub-second response
50+ UK banks

Trusted by forward-thinking UK businesses

FinForge
PayStream
Clermont
Vesta Capital
Hedgerow
Oakfield
50+
UK banks
connected
£1.2B
Payments
processed
99.9%
API uptime
SLA
<1s
Average payment
completion
Solutions

Everything open banking
has to offer, unified.

One platform. One contract. Instant access to account-to-account payments, enriched data, and real-time financial intelligence.

Instant A2A Payments

Initiate bank-to-bank payments with sub-second confirmation. Bypass card rails, eliminate chargebacks, and slash transaction costs by up to 80%.

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Account Data & Insights

Access enriched, categorised transaction data from 50+ UK banks. Power credit decisioning, affordability checks, and financial dashboards.

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Fraud & Risk Signals

Real-time fraud detection powered by open banking data. Verify account ownership, check transaction patterns, and flag anomalies before they cost you.

Learn more

Variable Recurring Payments

Set up sweeping, subscription billing, and top-ups without card details. VRPs are the future of recurring payments in the UK — Reflow makes them easy.

Learn more

Developer-First API

RESTful API with SDKs for Node, Python, Go, and Ruby. Full sandbox environment, comprehensive docs, and sub-minute onboarding. Ship faster.

View docs

Need something custom?

Our solutions team builds bespoke open banking integrations for complex enterprise requirements.

Talk to sales
How It Works

Live in three steps.

From API key to production in minutes — no lengthy procurement, no on-site visits.

1

Create your account

Sign up in seconds. No credit card required. Access our full sandbox environment instantly to start testing.

2

Integrate the API

Use our REST API or drop-in SDKs. Full documentation, code snippets, and Postman collections included.

3

Go live

Flip to production and start processing real payments. Our compliance team handles FCA reporting on your behalf.

payment.js
// Initiate an instant A2A payment
const reflow = require('@reflowzone/sdk');
const client = new reflow.Client({
apiKey: process.env.REFLOW_API_KEY
});
const payment = await client.payments.create({
amount: 4200, // in pence
currency: 'GBP',
reference: 'INV-2024-001',
redirectUri: 'https://yourapp.com/callback'
});
console.log(payment.authUrl);
// → https://auth.reflowzone.io/ob/...
Payment initiated
status: AWAITING_AUTHORISATION
paymentId: pay_4xT9kL2mNq8...
Developer Experience

Built for developers
who ship fast.

Our API is designed from the ground up for developer ergonomics. Predictable responses, sensible defaults, and a sandbox that mirrors production exactly.

SDKs for Node, Python, Go & Ruby
Type-safe, auto-generated from our OpenAPI spec
Webhooks with retry & replay
Reliable event delivery with automatic exponential backoff
Idempotency keys & error codes
Safe retries and machine-readable errors out of the box
Full sandbox with test bank simulations
Simulate any bank response, including edge cases
Read the docs View on GitHub
Pricing

Transparent, usage-based pricing.

No monthly minimums, no hidden fees. Pay only for what you use — scale seamlessly from startup to enterprise.

Starter
Free
Up to £10k monthly volume
  • 500 API calls/month
  • Sandbox access
  • 10 UK banks
  • Community support
Get started
Most popular
Growth
£299 /month
+ 0.08% on volume above £100k
  • 50,000 API calls/month
  • All 50+ UK banks
  • A2A payments + VRPs
  • Enriched data & insights
  • Priority email support
Start free trial
Enterprise
Custom
Unlimited volume, dedicated SLA
  • Unlimited API calls
  • Custom bank integrations
  • 99.99% uptime SLA
  • Dedicated CSM
  • Compliance reporting suite
Contact sales
Testimonials

Trusted by the builders
of modern finance.

"We integrated Reflow in a single afternoon. The sandbox is incredible — we simulated every edge case before going live. Payment success rates jumped from 93% to 99.6%."
JL
Jamie L.
CTO, FinForge
"Reflow's account data APIs transformed our underwriting model. We can now make instant affordability decisions that used to take 48 hours. It's a genuine competitive advantage."
ST
Sarah T.
Head of Product, Clermont
"The compliance support from Reflow is exceptional. They handle all the FCA reporting burden, letting our team focus on building product. Worth every penny."
MK
Marcus K.
CEO, Vesta Capital
Security & Compliance

Regulated, secure,
and fully compliant.

Reflow Zone UK is authorised and regulated by the Financial Conduct Authority (FCA) as an Account Information Service Provider (AISP) and Payment Initiation Service Provider (PISP) under the Payment Services Regulations 2017.

FCA Authorised
AISP & PISP
256-bit TLS
End-to-end encryption
ISO 27001
Certified
UK GDPR
Compliant
Reflow Zone UK
FCA Reg. No. 811078
All systems operational
PSR
2017
Payment Services
Regulations
PSD
2
EU Payment Services
Directive
Open Banking Ltd. Member
Verified
Get started today

Ready to make payments
flow?

Join hundreds of UK businesses already using Reflow to power faster, cheaper, and smarter payments.

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No credit card required · FCA regulated · Cancel anytime