Financial Software That Actually Ships
Most fintech projects die in compliance review. We build financial software with PCI DSS, SOC 2 Type II, and regulatory requirements baked into the architecture from sprint one — not patched in before launch.
What is Fintech Software Development?
Fintech software development means building applications that handle money — payments, lending, trading, insurance, and banking. Unlike standard SaaS, every decision carries regulatory weight. A bug in a payment flow isn't just a bad user experience; it's a compliance violation. The technical bar is higher: sub-second response times for transactions, zero-downtime deployments, audit trails on every state change, and encryption standards that satisfy both regulators and penetration testers.
- PCI DSS Level 1 and SOC 2 Type II compliance built into system architecture
- Real-time transaction processing with sub-200ms response targets
- Open Banking API integration following PSD2 and regional standards
- End-to-end audit logging with tamper-proof event sourcing
What We Build for Financial Services
From neobank backends to trading infrastructure, we handle the full stack of fintech engineering.
Core Banking Systems
Ledger engines, account management, and transaction processing systems built on event sourcing. Double-entry bookkeeping with real-time balance reconciliation across millions of accounts.
Payment Processing Infrastructure
PCI DSS Level 1 compliant payment flows supporting ACH, SEPA, SWIFT, and card networks. Tokenized card storage with point-to-point encryption and real-time fraud scoring.
Trading & Investment Platforms
Order management systems with FIX protocol connectivity, market data aggregation via WebSocket feeds, and portfolio analytics engines processing thousands of positions per second.
Risk & Compliance Engines
AML transaction monitoring, KYC verification workflows, and sanctions screening against OFAC and EU lists. Automated SAR generation that reduces compliance team workload by 60%.
Open Banking & API Platforms
PSD2-compliant APIs, Plaid and Yodlee integrations, and account aggregation services. OAuth 2.0 consent management with granular permission scoping for third-party access.
Cloud-Native Fintech Infrastructure
AWS and Azure deployments in financial services-approved regions with dedicated tenancy options. Multi-AZ failover, encrypted data at rest and in transit, and 99.99% uptime SLAs.
Who Needs Custom Fintech Software?
Off-the-shelf platforms work until you hit scale, regulatory complexity, or a market that doesn't fit their model.
Neobanks & Digital Banks
Launch a digital bank without the three-year timeline traditional core banking vendors quote. One client went from charter approval to live accounts in 11 months using our modular core banking stack.
Payment Companies
Build payment infrastructure that handles multi-currency settlement, merchant onboarding, and chargeback management. We helped a payments startup scale from 10K to 2M monthly transactions without re-architecting.
Wealth Management Firms
Portfolio management tools, automated rebalancing engines, and client reporting dashboards. One wealth manager cut quarterly report generation from 3 days of manual Excel work to 15 minutes.
Insurance Tech Companies
Policy administration systems, claims processing automation, and underwriting engines with ML-based risk scoring. Reduced claim processing time from 14 days to 48 hours for a mid-market insurer.
How We Build Fintech Software
A process shaped by dozens of financial services projects where compliance isn't optional and downtime costs real money.
Regulatory & Technical Discovery
We map your compliance requirements (PCI DSS, SOC 2, state/federal regulations) alongside business logic. This phase catches 80% of the surprises that derail fintech projects later.
Secure Architecture Design
Threat modeling, data flow diagrams, and infrastructure blueprints reviewed against NIST and OWASP frameworks. We design the audit trail and encryption strategy before writing application code.
Iterative Development with Compliance Gates
Two-week sprints with security reviews at every merge. Automated SAST/DAST scanning in CI/CD pipelines catches vulnerabilities before they reach staging. Every PR gets a compliance impact check.
Penetration Testing & Audit Preparation
Third-party pen testing, SOC 2 evidence collection, and PCI DSS self-assessment preparation run in parallel with final development — not after it. We've never failed a compliance audit.
Production Launch & Ongoing Monitoring
Blue-green deployments with automated rollback, real-time transaction monitoring dashboards, and 24/7 incident response. Post-launch, we handle compliance maintenance and regulatory change management.
Ready to get started? Let's discuss your project.
Fintech Development Pricing
Transparent pricing for regulated software. Every model includes compliance documentation and security controls as standard.
Fixed-Scope Project
Best for well-defined fintech products like payment integrations or compliance modules with clear requirements and timelines.
Custom pricing based on your requirements
- Detailed SOW with compliance milestones
- Fixed timeline and budget
- PCI DSS or SOC 2 audit-ready deliverables
- 90-day post-launch support included
- Source code and documentation ownership
Dedicated Fintech Team
A full engineering team with financial services experience. Best for ongoing product development where scope evolves with market and regulatory changes.
Custom pricing based on your requirements
- Developers with PCI DSS and SOC 2 experience
- Compliance engineer included in team
- Monthly security review cycles
- Flexible team scaling up or down
- Dedicated project manager and tech lead
- Direct Slack and video access to your team
Fintech CTO Advisory
Architecture reviews, compliance gap analysis, and technical due diligence for fintech startups preparing for audits, fundraising, or acquisition.
Custom pricing based on your requirements
- Architecture and security review
- Compliance gap analysis report
- Technical due diligence support
- Vendor and infrastructure assessment
- Quarterly strategic advisory sessions
Fintech Software Development Questions Answered
Quick answers to the questions we hear most often.
An MVP with core transaction functionality typically takes 4-6 months. A full-featured platform with compliance certification takes 8-14 months. The biggest variable is regulatory scope — a payment app needing PCI DSS Level 1 adds 2-3 months compared to Level 4 self-assessment.
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Ready to Get Started with Fintech Software Development?
Let's discuss your project and discover how we can help you achieve your business goals with our expert team.