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United Kingdom
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Israel
Yigal Alon St 98, Tel Aviv, 6789141, Israel
Your payment just failed silently. Again.
Temporal makes every transaction atomic, auditable and recoverable — without custom retry code, fragile state machines or 2 a.m. incidents. We implement it for European FinTech and banking teams in 4 weeks.
Book Your Free Payment Workflow Audit
PSD2 and GDPR compliant by design
Temporal Cloud EU West — full data residency
Live in 4 weeks
Trusted by Coinbase, Mollie, Remitly, Macquarie, Brex
The payment failures your monitoring is not catching:
Six specific scenarios that happen in production at European FinTech and banking teams every week. Read them and count how many sound familiar.
Failed payment — no clear owner
A payment times out between your gateway and your ledger. The card was charged. The ledger was not updated. Now you have a reconciliation issue, a support ticket, and a very unhappy customer — and no automated recovery logic to fix it.
Duplicate transactions under load
Your retry mechanism fires twice during a network blip. The customer sees two identical charges. The refund is manual. Your exactly-once processing guarantee turns out to have been aspirational.
KYC stuck in unknown state
A new business customer started KYC on Monday. Three services processed their data. One timed out. The workflow is neither completed nor failed — simply stuck, invisible to ops until a support ticket arrives.
Reconciliation that runs on hope
Your end-of-day reconciliation job is a 2,000-line Python script last touched by someone who left the company. It sometimes runs. When it does not, you find out at 7 a.m. when the finance team arrives.
Loan origination that loses context
A loan application moves through credit scoring, document verification, compliance checks and approval across six services. If anything fails mid-flow, you restart from zero and hope the customer reapplies.
Audit trails assembled from logs
A regulator requests the complete audit trail for a payment from six months ago. Three engineers spend two days reconstructing it from CloudWatch, Datadog and three database tables. This is not compliance. This is archaeology.
Write payment logic. Let Temporal handle the rest.
Six capabilities that eliminate the infrastructure your engineers are currently maintaining instead of shipping features.
Temporal makes your entire payment saga a single durable workflow. If any step fails, Temporal replays from the last successful activity. No duplicate charges. No orphaned state. Every step logged with a tamper-proof audit trail built in by default.
What European FinTech teams actually build with Temporal
Payment Saga
PROBLEM
A payment involves gateway, ledger, fraud detection, notification and reconciliation. Any can fail. When one does, you don't know which step succeeded and which didn't.
TEMPORAL
The entire payment is a durable workflow. Failures retry automatically. Compensation runs if the saga can't complete. Zero manual intervention. Zero duplicate charges.
KYC & Onboarding
PROBLEM
KYC involves document verification, identity checks, sanctions screening across slow, unreliable third-party APIs. If anything fails mid-flow, you have no reliable state to resume from.
TEMPORAL
KYC becomes a long-running workflow that runs for as long as it needs to. Human review steps pause the workflow until a compliance officer approves, then continues exactly where it left off.
Reconciliation
PROBLEM
End-of-day reconciliation across ledger, gateway, core banking and reporting database. A fragile batch job that sometimes fails silently and always requires manual monitoring.
TEMPORAL
Reconciliation becomes a durable workflow with visibility into every step. Each discrepancy is tracked as a workflow event. The full audit trail is queryable at any time.
Loan Origination
PROBLEM
Credit scoring, affordability checks, document verification, underwriting, compliance review and disbursement across weeks and multiple human steps. Losing context means restarting from zero.
TEMPORAL
Loan origination survives service restarts, infrastructure failures and human delays. Human approvals are modelled as signals — context preserved perfectly for the full duration.
Fraud & Chargeback
PROBLEM
Evidence collection, review queues and chargeback submission — all with regulatory deadlines. Missing a deadline due to system failure has direct financial consequences.
TEMPORAL
Chargeback workflows run with built-in deadline tracking. Human review steps pause and resume. No deadline is ever missed due to system failure.
The world's leading FinTech companies run on Temporal
Mollie, Remitly, Coinbase, Macquarie, Brex and Checkout.com chose Temporal for the same reason you're reading this page.
Their payment workflows can't fail.
Core payment orchestration —
reliability and full
audit trails
built in.
International transfer workflows requiring durability and idempotency across banking partners.
Transaction settlement and compliance processes requiring exactly-once execution and complete audit trail.
Complex financial processes requiring reliability, auditability and long-running distributed execution.
Payment processing and business account operations requiring atomic, auditable execution.
Workflow orchestration across payment infrastructure — one
of Europe's largest processors.
Temporal partner that understands European financial regulation
We have been through GDPR assessments, DORA gap analyses and PSD2 compliance reviews — so you don't have to explain them to us.
PSD2, GDPR, NIS2, DORA expertise
We have been through GDPR assessments, DORA gap analyses and PSD2 compliance reviews. We design for compliance from the first architecture decision — not as an afterthought.
Temporal Cloud EU West — data stays in EU
Every workflow execution, every activity log, every audit record stays within EU borders. We deploy on Temporal Cloud EU West or self-hosted in your EU infrastructure.
CET/EET time zones, EU regulatory context
European offices in Switzerland, Netherlands and UK. We do not need to be educated on European financial regulation before we can help you.
4-week POC — one real workflow in production
We identify your most painful payment workflow, implement it on Temporal, and put it into production in 4 weeks. You see the value before committing to anything larger.
Full-stack: Python/Go/Java, Kafka, K8s
Certified engineers who have shipped Temporal across every major stack — self-hosted and cloud — integrated with every major payment gateway.
FAQs
A queue retries delivery. Temporal retries business logic — with full state, compensation and audit trail. Most teams saying this also have a homegrown state table alongside the queue. Temporal replaces both.
One payment workflow. Four weeks. No manual recovery ever again.
Tell us your most painful payment, KYC or reconciliation problem. We will spend 60 minutes mapping it and showing you exactly what a Temporal implementation looks like — zero cost, zero commitment.