STC Bank / STC Pay — OpenFinance API Integration Services

We provide compliant, secure protocol analysis and API implementations for wallets and banks in the MENA region. Services start at $300.

Starting at $300 · Compliant deliverables
OpenData · OpenFinance · Protocol Analysis · Wallet & Bank Interop

Safely integrate STC Bank / STC Pay wallet and banking capabilities into your systems

For STC Bank (which incorporates STC Pay capabilities) we offer end-to-end protocol and authorization analysis, OpenData adaptation and runnable API source code to help you implement payments, transfers, reconciliation and merchant onboarding quickly and securely.

Accounts & session management — Device binding, multi-factor authentication, soft OTP / biometric session token refresh and secure synchronization support.
Wallet payments & settlement — QR payments, merchant acquiring, instant settlement, refunds and webhook-driven transaction status handling.
Funding & FX — Bank transfers, card on/off ramps, currency exchange and cross-border routing examples and integration patterns.
Reconciliation & reporting — Transaction exports (JSON / CSV / Excel / PDF), scheduled reconciliation, anomaly detection and compliance-ready audit logs.
Get started See deliverables

What we deliver

Deliverables

  • Protocol analysis report (authorization flows, traffic model, crypto/signature methods)
  • Runnable API implementation (Node.js / Python / Go options) and SDK
  • OpenAPI (Swagger) documentation and Postman collection
  • Reconciliation export scripts (CSV/Excel/PDF) and scheduled automation jobs
  • Security & compliance templates (KYC, data minimization, log retention)

Interface example (simplified pseudocode)

POST /api/v1/stc/payment/qr-pay
Content-Type: application/json
Authorization: Bearer <ACCESS_TOKEN>

{
  "merchant_id": "M_12345",
  "amount": 125.50,
  "currency": "SAR",
  "callback_url": "https://your.service/webhook/stc/payment"
}

Response: {"status":"SUCCESS","payment_ref":"STC-20251101-XYZ"}

Target scenarios

Wallet migration, merchant acquiring integration, QR payments & refunds, cross-border routing, account reconciliation, bulk settlement and merchant dashboards.

Our advantages

  • Global compliance experience and local MENA regulatory knowledge
  • End-to-end delivery: protocol analysis, development, testing and documentation
  • Security-first: FIDO, Soft OTP, HSM and key management best practices
  • Cross-platform support: Android / iOS / Server SDKs delivered
  • Transparent, fast engagement: services start at $300, deliver-on-acceptance model

Compliance & privacy

Work is always performed under customer authorization or via official/public APIs. We follow data minimization, provide compliance recommendations (NDA, KYC, retention policies) and do not perform or recommend unlawful reverse engineering.

Quick integration guide (example)

Steps

  1. Provide the target app name (already provided) and your business scenario (payments, reconciliation, merchant onboarding).
  2. Sign NDAs / authorization as required to allow protocol analysis.
  3. Protocol analysis (2–5 business days): identify auth headers, cryptography/signature and traffic patterns.
  4. Implementation & testing (3–10 business days): deliver APIs, SDKs, docs and automated tests.
  5. Go-live support: 7 days post-launch issue response; SLA options available.

Delivery formats & examples

OpenAPI v3, Postman collection, Node/Python example projects, database migration scripts, webhook verification examples and acceptance tests.

About us

We are a technical studio specializing in app protocol analysis and authorized API implementations. Our team comes from fintech, payment gateway and mobile app backgrounds. We deliver runnable source code, API documentation and test plans, ensuring secure and compliant project delivery.

  • Android / iOS / Server SDK support
  • Compliance-first: KYC & data retention recommendations
  • Starter engagements from $300; accept-on-delivery payment model available

Contact

To submit a request, get a quote or upload a target app for analysis, please visit our contact page:

Contact / Submit Request

📱 Original app summary (STC Pay / STC Bank — collapsible)

Source: user-provided description. STC Pay has been upgraded to STC Bank, keeping and expanding wallet features. Main highlights: account migration, wallet capabilities, QR payments, merchant acquiring, ticketing and service portals, transfers and bill payments, and deep integration with the STC ecosystem. The new app emphasizes migrating STC Pay users or registering directly with STC Bank to replace the legacy experience.

  • One-click migration/registration: migrate old STC Pay accounts to STC Bank or register anew.
  • Scan & pay and offline payments: QR payments, merchant acquiring and NFC/card support.
  • Mini-apps / ticketing: embed mini-apps for additional services (tickets, top-ups, bills).
  • Multi-language and security: biometrics / PIN / OTP authentication.
  • Compliance: customer verification and transaction monitoring integration.

Note: This is a functional summary. Specific integration points should be confirmed after protocol analysis and customer authorization.