Fintech Software Development Services for Payments and Lending
We build fintech software for US companies that move, hold, lend or account for money. Payments, digital banking, lending and the ledger underneath. Money software fails on reconciliation, not code.
Not just another software vendor. Here's the difference.
Eight reasons our fintech clients trust us with their transactions and their customers' money.
Security & Fraud Prevention By Design
We treat fraud prevention as a first-class requirement, not a bolt-on feature. Anomaly detection and risk scoring are built into the transaction path from day one.
- Real-Time Anomaly Detection
- Risk-Scoring On Every Transaction
- Configurable Fraud Rules Engine
- Encrypted Data In Transit & At Rest
PCI DSS And SOC 2
PCI DSS applies once your systems touch card data. SOC 2 covers the controls around them. We design for both, plus KYC and AML obligations.
- Regulatory Requirements Mapped Early
- Configurable Per-Jurisdiction Rules
- Built-In Reporting Hooks
- Works Alongside Your Compliance Team
Real-Time Transaction Processing
Payments, transfers and balance updates that reflect instantly, built on event-driven architecture that holds up under real transaction volume, not just a demo.
- Event-Driven Transaction Pipeline
- Low-Latency Balance Updates
- Queue-Based Load Handling
- Idempotent Payment Retries
Bank-Grade Data Handling
Financial data deserves more than a checkbox. Account and transaction data is encrypted in transit and at rest, with keys in AWS KMS and access controlled by role.
- Encryption In Transit & At Rest
- Isolated Financial Data Stores
- Regular Security Testing
- Documented Data Handling Policies
Payment Gateway Integration
We connect Stripe, Adyen, Plaid and your bank's ACH rails, with idempotency keys and webhook handling that survive retries and duplicate events arriving out of order.
- Stripe / Plaid-Style API Integration
- Multi-Gateway Support
- Automated Reconciliation
- Webhook-Driven Settlement Updates
Scales From Startup To Enterprise
A startup launching its first payments product and a bank modernizing an old core need different builds. We size the architecture to the one you are.
- Cloud-Native Infrastructure
- Modular, API-First Architecture
- Configurable Per-Product Rules
- Centralized Admin Reporting
Audit-Ready Architecture
Every transaction, access, and change is logged from the outset, so you can answer auditor questions with real records instead of scrambling to reconstruct history.
- Full Audit Trail Logging
- Immutable Transaction Records
- Exportable Compliance Reports
- Role-Based Access Controls
Ongoing Support & Monitoring
Launch day is the start, not the finish line. We monitor uptime, transaction performance, and security posture in production, so your team can focus on customers instead of servers.
- 24/7 Uptime Monitoring
- Scheduled Security Reviews
- Priority Incident Response
- Direct Line To Your Dev Team
What Our Fintech Software Development Services Actually Cover
Eight things we build for companies that move, hold or lend money, from core banking and payments to reconciliation tooling. Scroll to stack through them.
Core Banking Platform Development
Account management, double-entry ledgers and transaction processing built around how your institution actually operates, not a generic template that fights your process at every step.
- Account & Ledger Management
- Multi-Currency Support
- Transaction Processing Engine
- Admin & Ops Dashboards
Payment Gateway & Processing Integration
Stripe, Adyen and processor integrations with tokenized card capture, automated reconciliation and webhook-driven settlement, so money moves without manual follow-up.
- Multi-Gateway Integration
- Automated Reconciliation
- Webhook-Driven Settlement
- Recurring & One-Time Payments
Fraud Detection & Risk Scoring Systems
Rules engines and scoring models using device fingerprint, velocity and behavioral signals, routing borderline cases to manual review instead of a hard block that costs you real customers.
- Real-Time Anomaly Detection
- Transaction Risk Scoring
- Configurable Fraud Rules
- Case Review Dashboards
Digital Wallet & Money Transfer Apps
Peer-to-peer transfers, stored balances and top-ups in a React Native wallet app, with pending and settled states handled properly.
- P2P & Cross-Border Transfers
- Stored Balance & Top-Ups
- Mobile-First UX
- Biometric Authentication
Trading & Investment Platform Development
Order management, portfolio views, and market-data integrations built for platforms where speed and accuracy both matter.
- Order Management & Execution
- Portfolio & Holdings Views
- Market Data Integrations
- Real-Time Price Feeds
Regulatory Reporting & Compliance Tooling
Reporting pipelines and append-only audit trails for BSA and AML obligations, SOC 2 evidence and sanctions screening records, so an examiner's request isn't a month of digging.
- Automated Regulatory Reports
- Audit Trail & Records Retention
- Configurable Reporting Rules
- Exportable Compliance Data
Financial Dashboards & Analytics
Revenue, cash flow and portfolio performance in dashboards your team can act on, not another export nobody opens. Predictive models come from our analytics team when you need them.
- Revenue & Cash Flow Dashboards
- Custom Exportable Reports
- Role-Based Report Access
- Real-Time Data Refresh
Lending & Credit Scoring Platforms
Intake, bureau pulls, underwriting and servicing in one platform, with a versioned rules engine that logs which version made each decision when a regulator asks.
- Digital Loan Application Intake
- Credit Scoring Models
- Repayment & Collections Tracking
- Underwriting Workflow Tools
Back Office & Reconciliation Tools
Reconciliation engines that ingest processor and bank files automatically, plus admin consoles for the exceptions that don't match. This is the service that saves the most money and gets built last.
- Automated File Ingestion
- Exception Matching & Review
- Admin Console For Operators
- Daily Settlement Reporting
One Platform Approach. Five Very Different Teams.
A launch-stage neobank and an established lender need the same secure foundation underneath. What changes is the ledger model, the integrations and the rules that apply.
Digital Banks & Neobanks
Account opening, core ledgers and mobile banking apps, built on your core or a banking-as-a-service provider, in React Native or native.
Payment Processors
High-throughput payment rails, multi-gateway routing, and reconciliation systems built to handle real transaction volume.
Investment & Wealth Platforms
Portfolio dashboards, order management and custodian feeds, built for platforms where accuracy is non-negotiable.
Lending & Credit Platforms
Application intake, credit-scoring models, and repayment tracking built into one platform that scales with your loan book.
Insurtech Companies
Quote-and-bind flows, policy management and claims workflows, built the same way as lending, with the rules written down and versioned.
We design the ledger first, then pick the stack. Screens are easy to change later, ledgers aren't.
Our Fintech Software Development Process
No black-box builds. Every fintech project moves through the same seven stages, so you always know exactly where things stand and what's next.
Discovery & Regulatory Requirements
Two to four weeks working out what the product does, who holds the money, and which rules apply, before a single screen is designed.
Risk & Compliance Mapping
We map PCI DSS scope, KYC and AML obligations, and whether you need state money transmitter licenses or a sponsor bank. That answer changes your architecture.
Architecture & Security Design
Double-entry ledger schema, API contracts, encryption and access controls designed before development begins. The ledger model is the hardest thing to change later.
Development & Payment Integration
Two-week sprints, with working software in staging at each sprint end, plus payment gateway and banking API integrations built as core functionality.
Security & Penetration Testing
Outside penetration testing, plus reconciliation testing against real settlement files, before anything touches a live transaction.
Launch & Monitoring Setup
A staged rollout to a pilot group, with uptime, transaction and fraud monitoring switched on from day one, so anomalies get caught in production.
Ongoing Support & Compliance Updates
We don't disappear after launch. Uptime monitoring, scheduled security reviews, and updates as regulatory requirements evolve, for as long as you need us.
PCI DSS, SOC 2 And KYC, Handled Like It Matters
We're a software company, not a law firm. You bring counsel. We build the engineering side: PCI DSS scope reduction, SOC 2 controls, KYC and AML tooling.
Encryption In Transit & At Rest
Account and transaction data is encrypted in transit and at rest by default, with keys in AWS KMS, not bolted on later.
KYC Onboarding And Sanctions Screening
Document capture, liveness checks and PEP screening, through your vendor or our own Authentify.
Role-Based Access Control
Staff and operators see only what their role requires. That narrows exposure and gives SOC 2 auditors a control to test.
Audit Logging & Transaction Trails
Every action is logged with actor, timestamp and before-and-after state, in storage that can't be quietly edited, so you can answer who saw what and when.
PCI DSS Scope Reduction
We keep raw card numbers out of your systems with hosted fields and tokenization, which cuts your PCI DSS scope sharply. Reducing scope is cheaper than satisfying it.
Configurable Data Residency
Residency rules limit which cloud regions and vendors you can use, so we pick them during architecture rather than migrating later.
Loved by clients whose software projects actually shipped on time.
Real feedback from Google, Trustpilot and Clutch, not handpicked quotes on a slide.
Frequently asked questions.
We design payment systems so they touch as little card data as possible, using hosted fields and tokenization, which cuts your PCI DSS scope. We build the technical controls. Certification is done by an independent assessor, and the obligation stays with your company. You need your own counsel and a compliance officer.
Fraud tooling is a balance, not a wall. Tighten the rules and you block real customers. We build rules engines and scoring models on device, velocity and behavioral signals, then send borderline cases to manual review.
In most cases, yes. We work with Stripe, Plaid and ACH through your bank. Older cores from FIS or Fiserv mean batch files rather than real-time calls, so we check the integration path in discovery.
Account and transaction data is encrypted in transit and at rest, with keys in AWS KMS. Access is role-based. Every meaningful action is logged with actor, timestamp and before-and-after state, and we run outside penetration testing before launch.
A focused product like a lending portal or a payments integration takes three to five months. A full platform with several integrations runs six to twelve months. Discovery is two to four weeks, then two-week sprints.
Support agreements set response times by severity. Anything affecting money movement or customer access is top severity. Money paths are append-only, so a bad entry gets corrected with a new one and a full trail.
Most fintech builds land between $60,000 and $140,000 for a focused product like a lending portal or payments integration. A full platform with several banking integrations runs $150,000 to $400,000. We give a fixed quote after discovery, not before.