APIs that enable you to build exceptional financial products to better serve your SME customers.

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{ "results": [ { "reference": "American Express", "description": "American Express Monthly", "companyId": 1, "bankId": 8, "accountId": “2528414566”, "transactionId": "Trx0138574429475”, "bookingDate": "2020-01-01T12:04:40.704Z", "amount": 4000, "currencyCode": "GBP", "transactionType": "DEBIT" } ] }


Our payments API is built on the faster payment bank rails, and powers instant, cheaper and more secure payments without the administrative burden.

  • Immediate settlement at a significant discount to cards, direct debit and other payment methods
  • Secure authentication through a customer's own bank, reducing the risk of fraud
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Fractal is an FCA licenced
Authorised Payment Institution

Data aggregation

Through Open Banking, your customers can connect their bank accounts, along with their accounting and payments software and get a clear and holistic view of their finances.

  • Aggregate banking, accounting and payments data
  • A single view of all financial data sources
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Cash flow profiles

The core of our innovation lies in our ability to analyse your customer’s aggregated financial data, and enhance it with machine intelligence.

  • Produce cash flow forecasts, and surface automated insights
  • Categorise your customer’s transactions and provide timely, and valuable insights on their spending habits
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Deliver the right product, to the right SME, at the right time, with the right insight. Effectively engage, prioritise and convert customers, saving everyone significant time and money.

  • Cross-sell products
  • Empower RMs by prioritising clients
  • Estimate potential reach
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Built by, and loved
by developers.

Read our docs
Fractal API
  • cURL
  • PHP
  • NodeJs
  • Python
  • Java
  • Ruby
  • C#
Select a language
curl -X GET \
     https://apis.askfractal.com/banking/{bankId}/accounts \
     -H 'Authorization: Bearer ...' \
     -H 'X-Api-Key: Your API key' \
     -H 'X-Partner-Id: Your Partner ID' \


Our infrastructure is highly scalable and built from the ground up for security and velocity.

Security first

Data is at the heart of everything we do. We are trusted by financial institutions all over Europe. More about security

We’re regulated

Fractal Labs Ltd is authorised and regulated by the FCA and ICO.

Start building today!

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Not ready yet? Let's chat