Customer channels
Web, app, branch, field, WhatsApp, call-centre, DSA, merchant and partner APIs.
Open lending integration layer
Connect the data. Keep the decision trace.
Use APIs, webhooks, files and custom adapters to connect channels, verification providers, core banking, payments, accounting and communication while preserving ownership and reconciliation.
InterfacesREST API, webhook, file and adapter
ReliabilityRetry, idempotency and reconciliation
OwnershipExplicit source of truth by domain
EvidenceRequest, response and operator trail
Reference architecture
Three layers. Explicit ownership.
Every deployment documents data owner, direction, frequency, authentication, timeout, retry, reconciliation and support responsibility.
Acquire and verify
Market and provider-specific sources
Web, mobile, branch, field
Identity, KYC and e-sign
Credit bureau and fraud
Bank, tax and business data
Property, vehicle, collateral
→
SquareNow intelligence
Controlled lending operating layer
Application and customer
Policy and workflow
Schedule and sub-ledger
AI and human queues
Audit and evidence
→
Move and account
Enterprise and banking endpoints
Core banking and GL
Bank, payment, mobile money
Mandates and collections
CRM, ERP, BI and warehouse
Voice, SMS and messaging
Qualification
Specific connector availability, certification and performance depend on the provider, institution, market and scope. Third-party data requires consent and a provider agreement.
Core banking boundary
SquareNow can sit beside the core without creating two truths.
For a bank or co-operative, SquareNow can own origination, credit workflow and lending operations while the core remains authoritative for agreed customer, account, deposit or general-ledger domains.
The design is not complete until it covers failure. Each posting needs an idempotency key, response state, retry rule, suspense path, reconciliation report and accountable support owner.
- Customer
- Define identity master, duplicate policy, update direction and relationship mapping.
- Account
- Define where account number, schedule, balance and status are authoritative.
- Transaction
- Define initiation, booking, confirmation, reversal, timeout and duplicate handling.
- General ledger
- Define event mapping, batch or real-time posting, suspense and month-end reconciliation.
- Migration
- Define history depth, balance proof, document transfer, parallel run and cutover control.
Integration categories
Connect across the complete lending journey.
Identity and consent
KYC, identity, document, e-sign, consent, liveness and fraud service providers.
Credit signals
Bureaus, bank statements, open banking, tax, business registry and alternative data.
Collateral
Property, valuation, vehicle, gold, insurance, registry and document-custody systems.
Money movement
Banks, payment gateways, mandates, direct debit, wallets, mobile money and cash collection.
Enterprise systems
Core banking, GL, ERP, CRM, data warehouse, BI, identity access and observability.
Integration principles
A connector is not complete when it returns 200.
Idempotency
Repeat requests must not create duplicate customers, accounts, payments or ledger events.
Observability
Track correlation ID, request, response, latency, retry and final business state.
Reconciliation
Compare expected and confirmed business events with owned exception queues.
Security
Use approved authentication, encryption, key rotation, network and least-privilege patterns.
Consent
Access third-party data only for an authorised purpose with the required evidence.
Change control
Version schemas, test compatibility and coordinate provider changes before production.
Integration FAQ
Questions for architecture teams.
Does SquareNow have APIs?
SquareNow supports API-led integration patterns along with webhooks, files and custom adapters. The exact interface set is confirmed for the deployment scope.
Can SquareNow integrate with any core banking system?
Integration depends on the core’s available interfaces, data model, transaction semantics, security requirements and commercial access. A discovery is required.
How are failed transactions handled?
The interface design defines timeout, retry, idempotency, reversal, suspense, reconciliation and manual exception ownership for each business event.