GoCardless BAD — Open Banking integrácia

Most businesses find out whether a customer has paid by waiting for a bank statement email — once a day, sometimes later. This integration changes that: the application (invoicing system, CRM, e-shop) asks the bank directly and gets an up-to-date view of incoming payments at any time, without waiting. It works through the European Open Banking standard (PSD2), which allows hundreds of banks across the EU to securely share data with third parties — without handing over a username or password. The customer simply logs into their internet banking, approves read access to their transactions, and from that moment the application sees them in real time. I built a library for JavaScript (Node.js) and PHP that handles the entire process — from authentication, through bank selection and user consent, to downloading transactions and balances. The library manages session validity on its own and renews it when needed. As a working example, I integrated it into my own invoicing system, replacing the manual import of XML files from email.