Connectivity monitoring
AI-driven monitoring for every bank connection
Bank APIs break quietly. MVP Payments measures the health of every connection across nine markets every five minutes, and gives each bank its own AI agent — one that remembers how that bank behaves, so a change is diagnosed in minutes rather than rediscovered from scratch.
Measure, understand, fix
Measure
Every call to every bank records its outcome and latency. Every five minutes each connection is re-evaluated and classed as healthy, degraded or down — measured today for sandbox connections; live connections join the same measurement as they go live.
Understand
A change of state alerts our operations team and opens an entry on the incident timeline. The bank's dedicated AI agent investigates against that bank's API contract and its own journal of past behaviour.
Fix
The agent prepares the diagnosis and the change. An engineer reviews it, tests it against the bank and releases it. The journal is updated, so the next incident at that bank starts from everything already learned.
One agent per bank, with a memory
The expensive part of maintaining a bank connection is not writing code. It is knowing the bank: that this one rejects a field its own specification calls optional, that one stops reporting status after the customer approves, a third rotates its certificate chain every spring. In most teams that knowledge lives in one engineer's head and leaves when they do.
At MVP Payments it lives with the bank's agent. Each connected bank has a dedicated AI agent with a standing record of that bank — the current state of the connection, the conventions of its interface, and a dated journal of every investigation. When the connection degrades, the agent starts from that record instead of from zero.
AI does the reading, the comparing and the remembering, at a scale no team could staff bank by bank. People keep the judgement: every change to a live connection is reviewed and released by an engineer.
What is watched
Every bank connection
Success rate and latency per bank, with health states that change on evidence rather than on a single failed call — measured today for sandbox connections; live connections join the same measurement as they go live.
Certificates
A daily scan of every eIDAS certificate on the platform — including yours — with warnings 30 days and 7 days ahead of expiry. An expired QWAC is the most avoidable outage there is.
Planned maintenance
Banks announce maintenance windows; we record them. A bank in planned maintenance is marked as such rather than raising a false alarm.
Webhook delivery
Delivery success across the platform is alarmed, every attempt is visible to you, and failed deliveries are retried on a published schedule.
The API itself
Error bursts, queue depths and processing backlogs raise alarms to the operations team, with dashboards drilled before launch rather than after the first incident.
The incident record
Every change of state is written to a timeline — what changed, when, and what was done — so an incident review is a matter of reading, not reconstruction.
Why direct connections make this possible
You can only monitor what you can see. When payments pass through a third-party aggregator, a failing bank looks like a failing aggregator, and the diagnosis belongs to someone else's support queue. Every MVP Payments connection is direct to the bank or its national hub, so we see the bank's actual responses — and can say exactly what changed.
For more on the failure modes, read our guide: why Open Banking connections break, and how to monitor them.
Monitoring questions
- What does "AI-driven connectivity monitoring" actually mean?
- Two layers working together. A measurement layer records the success rate and latency of every bank connection and re-evaluates each bank’s health every five minutes. An AI layer gives every bank its own dedicated agent with a long-term memory of that bank — its API contract, its quirks and a dated journal of every past incident — which investigates when a connection degrades and prepares the diagnosis and the fix for an engineer to review.
- Does AI make changes to live payment systems on its own?
- No. The AI agents diagnose, explain and propose. In production their role is diagnostic and read-only, and every change to a live connection is reviewed and released by an engineer. This is a deliberate control, not a limitation we are working to remove.
- Can the AI agents see our certificates or our customers’ data?
- No. The agents have no read access to secrets — your certificates and private keys are out of their reach by design — and they work from connection telemetry and bank API behaviour, not from your customers’ personal data.
- What happens when a bank goes down?
- The connection’s health changes state, our operations team is alerted at once, and the change is written to an incident timeline. No provider can make a bank’s own outage disappear; what matters is knowing within minutes, knowing why, and keeping customers out of a dead end. Our operators can withdraw a failing bank from the bank picker in one action and restore it as soon as it recovers.
- Why do Open Banking connections need this much attention?
- Because banks change their PSD2 interfaces constantly and rarely announce it well: certificates are rotated, fields become mandatory, authentication journeys are redesigned, and shared banking IT providers ship changes that affect hundreds of institutions on the same day. A connection that worked yesterday can fail today without a line of your code changing.
- Do we need to build our own monitoring on top?
- Not for bank connectivity. You will still want to monitor your own integration — your webhook endpoint and your calls to the API — and the platform helps there too, with visible delivery attempts, scheduled retries and a signed test webhook you can fire from the dashboard.
Stop maintaining bank connections
Keep your engineers on your product. We'll keep the banks connected — and tell you what is happening when they are not.