Migrating from Legacy Payments to Account-on-File

This guide outlines a hybrid migration approach for clients transitioning from RE-based connect/pay flows to Open Finance Account-on-File (AoF) payments, ensuring a seamless user experience throughout the transition.

Routing by bank connection type

Lean recommends maintaining a single bank selection layer and routing users based on the connection type returned for each bank.

Use Lean's built-in bank selection screen, or Build and host your own custom bank selection interface.

If you prefer to implement a custom bank selection screen please follow this guide. Call GET /banks to retrieve the complete list of available banks and render your bank picker UI using this data.

Each bank in the response includes a connection type identifier:

• reverse_engineering - Legacy RE connection - on the Link SDK use. the connectand pay functions
• open_finance - Open Finance connection - use the authoriseConsent function

Using your custom bank selection screen implement the following logic:

• RE bank selected → Execute existing RE connect flow
• Open Finance bank selected → Execute AoF authorisation flow