Fintech and payments software
Two Clouds builds payment portals, customer self-service account systems and payment integrations for financial services businesses in the UK and Ireland. Card payments run through a regulated provider such as Stripe, so card details never touch your servers, and every action is logged for audit. You stay the regulated firm; we build the software.
Software for the money side of your business
Most financial businesses do not need a new bank. They need customers to check a balance, make a payment or update their details without phoning in, and they need those payments to land in the back-office and accounting systems without anyone re-keying them.
That is the work we do. For Conexus Recovery & Field Services, a debt recovery business, the same team has built customer self-service portals integrated with their XRS system over eight years. For OS Doors, trade payments run through Total Processing and reconcile into SAP.
Issues we solve.
Payment Calls
Customers phoning to check balances or make payments, tying up staff on routine queries that a secure portal could handle around the clock.
Re-keyed Payments
Payments taken in one system and typed into another, creating reconciliation work and errors in the accounts.
Card Data Exposure
Card details passing through your own servers, which widens your PCI DSS scope and the damage a breach could do.
No Audit Trail
No reliable record of who viewed or changed a customer account, which makes complaints, disputes and regulator questions harder to answer.
Legacy Back Office
A core system with no customer-facing layer and no API, so every new channel means manual work around it.
Disconnected Providers
Payment processors, identity checks and accounting packages that each work alone, leaving staff to join them up.
Fintech software solutions.
Payment Portals
Branded portals where customers make one-off or scheduled payments through Stripe, Total Processing or your existing processor, with card details handled entirely by the provider.
Customer Self-Service Accounts
Secure log-in for customers to see balances, statements and payment history and update their details, cutting inbound calls.
Back-Office Integration
Portals and payment providers synced with your core case, account or debt management system, so a payment updates the record without re-keying.
Accounting & ERP Sync
Payments and invoices posted to Sage, Xero, QuickBooks or SAP automatically, ready for reconciliation.
Audit Trails & Access Control
Role-based access and a log of who viewed or changed each account, built in from the start rather than added for an audit.
Reporting Dashboards
Collections, payments and arrears reporting for managers and clients, drawn from live data instead of month-end spreadsheets.
What does fintech software need to integrate with?
Most financial software connects four things: a payment provider, the core system that holds customer accounts, the accounting package, and any identity or banking data provider. We connect them so a payment is recorded once and appears everywhere it is needed, while the regulated functions stay with regulated providers.
| Connects to | Examples | Where we have done it |
|---|---|---|
| Card payment providers | Stripe, Total Processing | Sean Dwyer Coaching (Stripe), OS Doors (Total Processing) |
| Core account and case systems | XRS debt recovery software | Conexus customer self-service portals |
| Accounting and ERP | Sage, Xero, QuickBooks, SAP | OS Doors (SAP) and integration projects across sectors |
| Identity checks and Open Banking | KYC vendors, authorised Open Banking providers | Scoped per project through the provider's API |
See our systems integration service for how these connections are built and monitored.
How we deliver - a four-stage build from discovery to handover.
Payments and accounts, shipping.
Financial software for the UK
and Irish market.
Based in Northern Ireland, we build for businesses on both sides of the border, where payments, data protection and customer communication have to work across UK and Republic of Ireland rules. You speak to the engineer who writes the code, and you own the system outright.
Discuss your sector →Years building bespoke business software.
API integrations connecting business systems.
Years of continuous development for Conexus.
Frequently asked
What fintech software does Two Clouds build?
Payment portals, customer self-service account systems, and the integrations behind them: payment providers such as Stripe and Total Processing, core account and debt recovery systems such as XRS, and accounting packages including Sage, Xero, QuickBooks and SAP. We build for financial services and debt recovery businesses across the UK and Ireland.
Do our servers handle card data, and what does that mean for PCI DSS?
No. We use hosted checkout and payment fields from a PCI DSS Level 1 provider such as Stripe, so card details go straight to the provider and never touch your servers. Every checkout we have built is PCI DSS compliant, and this approach keeps your own PCI DSS scope as small as it can be, usually the shortest self-assessment questionnaire.
Is Two Clouds FCA regulated?
No. Two Clouds is a software developer, not a regulated firm. If your business is FCA-authorised, the regulatory responsibility stays with you. We build software that supports it: audit trails of who viewed or changed an account, role-based access, and data handling designed around your obligations.
How do fintech companies ensure security and compliance in product engineering?
By keeping regulated functions with regulated providers, giving each user only the access they need, logging every view and change to customer data, encrypting data in transit and at rest, and testing changes on staging before release. Designing these in from the start costs far less than retrofitting them for an audit.
Can you integrate with Open Banking?
Yes, through an authorised Open Banking provider. The provider holds the regulatory permissions and handles consent and bank connections; we integrate with its API and bring the account or payment data into your own system. Which provider fits depends on the banks your customers use and the data you need.
Let's build something together.
Get in touch to discuss your project and find out how we can help.
Contact us