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by Remko De Knikker, Alvin Cho, Patrick Cremin, Sridhar Mooghala, Ashley Kitto, Ishwarya Rajendrababu, Ashutosh Nath Agarwal | Published October 18, 2018
Creating a merchant site that’s integrated with secure payment processing is elaborate work, and it can be even harder when you want to accommodate customers who prefer making direct payments through their bank. The IBM Open Banking Platform allows just that, quickly and with ease. This application showcases the simple benefits of the payments API of the platform by integrating it with a merchant fashion store. Upon checkout, customers complete purchases by paying directly from their bank account in a safe and secure manner.
Imagine you are bank that wants the agility of a digital platform but you are averse to the risks of replacing legacy systems or moving directly to the public cloud. You might be seeking accelerators for your digital transformations, or you may be driven by new regulation and compliance — or perhaps you’re simply on the lookout of opportunities to unlock new digital channels and revenue streams. Your clients want to integrate with direct payments from banks to accommodate customers’ needs while making purchases, securely and easily. The IBM Open Banking Platform is a software-as-a-service suite built on certain predefined industry standards that financial institutions can use to help accelerate their core-to-cloud journey.
In this code pattern, we will show you how to create a fashion store merchant site — Here and Now — that’s integrated with the payments API of the IBM Open Banking Platform, and we’ll demonstrate it through a Node.js and React.js web application. The application showcases the scenario of a customer purchasing an item on the fashion store site and making a payment directly through their bank. It has three primary sections:
This code pattern is for developers who are looking to start building applications with payment integration using the Open Banking Platform. When you have completed this code pattern, you will understand how to:
Find the detailed steps for this pattern in the README.
IBM Open Banking Platform enables fast creation of next-generation apps, low-risk innovation, and regulatory compliance.
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