For payments fintechs
Nine months before you write a line of product code.
That is the scheme onboarding alone. Line4 Pods pair senior payments engineers with agentic AI to ship your integrations, certification work and product in parallel, in weeks.
to onboard as a direct Faster Payments participant
Pay.UK, FPS System Principles v11, Jan 2026of payments modernisation effort goes on analysis and testing, not building
RedCompass Labs survey of 200 senior payments professionals, Sep 2024of EU banks struggled to meet the first SEPA Instant deadline
RedCompass Labs survey of 300 senior payments professionals, May 2025Why payments delivery is slow
Scheme work happens in series
Onboarding, certification, integration and product are run one after another, so a year disappears before customers see anything new.
Analysis outweighs engineering
When two-thirds of a modernisation programme is analysis and testing, adding more analysts makes it slower, not faster. The bottleneck is how the work is structured.
Deadlines arrive anyway
SEPA Instant, ISO 20022 and scheme rule changes do not wait for your delivery model. Nearly half of EU banks missed the first Instant Payments deadline.
The Line4 way
How a Line4 Pod ships payments software in weeks
Parallel, not serial
Agentic AI drafts the integration, certification evidence and test packs while senior engineers design the architecture. The 9-month runway compresses because the work overlaps.
Knowledge Graph holds your scheme context
Message specs, scheme rules, partner contracts and your service boundaries, queryable by every agent. The analysis burden that eats two-thirds of programmes is where AI compounds hardest.
Payments Blueprints
Proven patterns across FPS, CHAPS and SEPA rails and the ClearBank, Griffin, Marqeta, Wise and Plaid ecosystem. Engagements start from working code.
Proven in production
Line4 builds with the payments ecosystem: ClearBank, Griffin, Marqeta, Wise, Plaid and Alloy integrations, delivered inside regulated environments.
Questions we get asked
Can a Pod help with scheme certification, not just product code?
Yes. The Pod produces the integration, the test evidence and the documentation as one stream of work, inside your governance, so certification stops being a separate project.
Do you work with our BaaS or scheme partners?
Yes. Pods build against ClearBank, Griffin, Marqeta, Wise, Plaid and direct scheme access, in your repositories with your controls.
How is this different from adding contractors?
Contractors add headcount to a serial process. A Pod restructures the work: agentic AI handles the analysis-heavy load around the clock while senior engineers own the decisions, so delivery runs in parallel.
Who owns the code?
You do, from day one. No proprietary platforms, no licensing. Everything the Pod builds sits in your repositories.
Let's build something together
Book a conversation with our team to explore how a Line4 Pod can help.