API Development for UK FinTech — FCA Built In
ClickMasters provides API Development for UK FinTech businesses with FCA, UK GDPR compliance from Sprint 1.
Key Highlights
Compliance
+2 more standards
Pricing
API Development for FinTech — UK Specifics
FCA-Compliant API Design Principles
FCA-regulated APIs must satisfy FCA COBS disclosure requirements at the API level. Key design principles: all financial data responses must include the as-of timestamp (stale data cannot be displayed without a staleness indicator), rate fields (interest rates, fees, APR) must include the effective date, and product terms must be version-controlled (clients must receive the terms version that was in effect at time of agreement, not current terms).
Open Banking API Standards
UK Open Banking API: OBIE (Open Banking Implementation Entity) defines the UK Open Banking API standard (current version 3.1.11). PSD2 mandate: all UK banks with 10,000+ payment accounts must implement OBIE-compliant APIs. ClickMasters builds OBIE-compliant APIs for firms seeking authorisation as AISP or PISP, including the mandatory OBIE discovery endpoint, OAuth 2.0 dynamic client registration, and OBIE consent management.
PCI-DSS API Scope Management
PCI-DSS scoping for FinTech APIs: the goal is to minimise the number of API endpoints in PCI-DSS scope. Pattern: payment processing API uses Stripe/Adyen tokenisation — cardholder data never enters your API. All other FinTech APIs (account balance, transaction history, customer profile) handle only tokenised payment references, not card data. Annual SAQ-A (Self-Assessment Questionnaire A) is sufficient when hosted payment fields used correctly.
Rate Limiting for FCA Operational Resilience
FCA PS21/3 operational resilience: APIs serving Important Business Services must remain available within Impact Tolerance thresholds. API rate limiting protects availability: per-client rate limits prevent a single client from monopolising capacity, circuit breakers prevent downstream cascade failures, and throttling during high load prevents complete API outage. AWS API Gateway: built-in rate limiting and throttling per API key. FCA evidence: API availability metrics (uptime, p99 latency) reported monthly.
Compliance
FCA
UK GDPR
PSD2
Open Banking
PCI-DSS SAQ-A
FCA COBS
Compliance & Regulations
Every solution we build for this industry is designed to meet the following regulatory and standards requirements.
FCA
UK GDPR
PSD2
Open Banking
PCI-DSS SAQ-A
FCA COBS
Investment Options
Flexible engagement models tailored to your fintech project requirements.
£8,000–£50,000
Full engagement
- Industry-specific approach
- UK GDPR compliant
- Dedicated technical lead
£3,500–£8,000
Scoping
- Industry-specific approach
- UK GDPR compliant
- Dedicated technical lead
from £2,000/mo
Ongoing support
- Industry-specific approach
- UK GDPR compliant
- Dedicated technical lead
What Our Clients Say
Success stories from clients in fintech industry.
“ClickMasters transformed our digital infrastructure. Their understanding of UK fintech regulations saved us months of compliance work.”
Sarah Mitchell
CTO, FinTech Solutions Ltd
“The team's expertise in NHS integrations and DTAC compliance was invaluable. They delivered on time and within budget.”
Dr. James Cooper
Medical Director, HealthFirst UK
“Their grasp of FCA requirements and insurance sector nuances helped us launch our platform 40% faster than expected.”
Michael Brooks
CEO, InsureTech Pro
Related fintech Services
FinTech Software Development UK — FCA, Open Banking & Regulated FinTech Builds
Custom Software Development for UK FinTech Companies — FCA Compliant
MVP Development for UK FinTech Companies — FCA Sandbox Compliant
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Let us engineer a platform that meets your industry regulations, serves your users, and scales with your ambitions.