ComparisonDirect integration with one bank vs Orchestration layer
The approaches
LILPEOne API and dashboardSide by side
| Criteria | Direct integration with one bank | Orchestration layer (LILPE's approach) |
|---|---|---|
| Best suited to | Specific flows with your main bank: payouts, statements, collections into accounts | Several methods or providers behind one integration |
| Payment methods | What that bank offers you | What the connected banks and providers offer together |
| Adding a second bank | A second integration project | Connected behind the same integration, where available |
| If the bank's service is down | That flow stops until it recovers | Payments can route to another connected provider |
| Statements and reconciliation | Directly from the bank | Combined across providers |
| Relationship | Direct with the bank | With the layer, plus the providers behind it as set up at onboarding |
Deciding
Direct bank connections are often the best way to handle money that sits in your own accounts.
The effort multiplies when one bank isn't enough. Each bank has its own API style, security model, testing environment and support process, and every addition is another project to build and maintain. Consumer checkout, with its mix of UPI, cards, wallets and net banking, is usually served by payment aggregators rather than a single bank's direct interface.
Many businesses combine the two: direct integration with their main bank for payouts and account data, and a payment aggregator or an orchestration layer for customer collections. The API banking guide explains what bank integrations typically cover and how to keep them secure.
When to go direct, and when not to
Go direct for flows centred on your own bank accounts, where one bank covers what you need and a short outage is tolerable. Look at an orchestration layer when you need several methods or providers, a fallback, or one view across them. This page doesn't name any bank connected to LILPE; which banks and providers can be connected for your business is confirmed during onboarding.
FAQ
Many banks offer APIs or file-based interfaces to business customers for payouts, statements and collections into accounts. What's available, and the onboarding involved, differs by bank.
Sometimes, for high volumes in one flow with one bank. The full cost includes building and maintaining the integration, which grows with each bank added. Compare on total cost, not headline rates.
No. Your bank accounts stay where they are; an orchestration layer routes payments across providers and banks, and money is settled to your accounts.
Guides
We'll help you work out which flows belong with your bank and which don't.
