Sidhani kama hizi banks zetu zina public developers APIs, so solution ni mbili
Moja, ukutane nao na wakubali kukupa access ya APIs zao, au mbili utumie Payment provider kama Azampay etc ambaye tayari kashafanya most of heavy lifting for you but 3 au 5% haiepukiki.
As developer sijajua why unaumizwa na hio 3% kiasi cha kutaka ku reinvent the wheel, at the end of the day client ndo analipa as long as anaona value