A Developer's Guide to Building Production-Ready Open Banking Sync Pipelines

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Open banking integrations require far more than a basic API call — production systems must handle consent flows, token refresh cycles, pagination, and deduplication to function reliably. Under the EU's PSD2 regulation, consent tokens typically expire after 90 days, requiring apps to re-authorize users before data access lapses. Fetching bank transactions involves an initial historical pull followed by scheduled incremental syncs, with rate-limit handling needed to avoid disruptions during automated jobs. A key hidden cost for developers is the eIDAS QWAC certificate, which can run €3,000–15,000 per year, though some providers like GoCardless absorb this on the developer's behalf. Deduplication is also critical, as banks can return overlapping or back-dated transactions between syncs, making a composite key of transaction ID, booking date, and amount a recommended safeguard.

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