Project: Open Banking Integration for PayCIS (Existing Platform)

About PayCIS:
Live CIS payroll web app for UK contractors/subcontractors (CIS tax, HMRC checks, approvals, bulk payment files). System already built.

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Scope

1. Recommend an Open Banking Provider
• Compare UK providers (Yapily, Token, TrueLayer, Crezco, Modulr, etc.).
• Recommend best option for:
• Reading incoming contractor payments
• Triggering outgoing subcontractor bulk payments
• Low fixed-cost model
• Minimal/no FCA regulation on our side

2. Integration Work
• Implement incoming payment detection + reconciliation (via provider API + webhook).
• Implement bulk payout initiation to subcontractors.
• You integrate these with our existing API endpoints (we supply full documentation).
• Build a small number of new workflow pages in our system as needed (e.g., payment status views, recon screens, error logs).
• Full sandbox + live configuration, error handling, retries, logging.

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What to Include in Your Proposal
• Relevant Open Banking / API experience
• Provider recommendation
• Estimated cost + timeline
• Clarify any assumptions or questions