Secure, scalable financial technology.
As a specialist fintech app development company, we build payment systems, banking platforms, lending engines, and compliance-ready financial applications. Our fintech app development company delivers PCI-DSS certification, real-time transaction processing, and regulatory compliance built in.
// Stripe payment intent with fraud checks
const paymentIntent = await stripe.paymentIntents.create({
amount: order.totalCents,
currency: 'usd',
payment_method: paymentMethodId,
confirm: true,
metadata: { orderId: order.id },
// ML-powered fraud detection
radar_options: { session: fraudSession.id },
});
if (paymentIntent.status === 'succeeded') {
await ledger.recordTransaction({
type: 'CREDIT',
amount: order.totalCents,
reference: paymentIntent.id,
});
}Payment & Transaction Systems
We build secure payment infrastructure that handles millions of transactions with sub-100ms latency, fraud detection, and full PCI-DSS Level 1 compliance across card-present and card-not-present channels.
Tools & Frameworks We Engineer With
Payments
- Stripe: Payment processing and billing infrastructure
- Plaid: Bank account linking and financial data
- Adyen: Global payment gateway and acquiring
- Custom Gateway: Bespoke payment routing and orchestration
Security
- PCI-DSS: Payment card industry data security standard
- SOC2: Service organization control compliance
- Encryption: AES-256 at rest and TLS 1.3 in transit
- Tokenization: Sensitive data replacement with secure tokens
Banking
- Core Banking: Account management and transaction processing
- Ledger Systems: Double-entry accounting and reconciliation
- Open Banking: PSD2 and Open Banking API integration
- SWIFT: International wire transfer messaging network
Compliance
- KYC/AML: Identity verification and anti-money laundering
- Regulatory Reporting: Automated filings and disclosures
- Transaction Monitoring: Real-time suspicious activity detection
- Sanctions Screening: OFAC and global sanctions list checks
Who We Work With
Neobanks
Digital-first banking platforms with modern UX, instant account opening, and real-time notifications.
Payment Processors
High-throughput payment infrastructure handling millions of transactions with sub-second settlement.
Lending Platforms
Automated underwriting, credit scoring, and loan management systems with regulatory compliance.
InsurTech
Digital insurance platforms with automated claims processing, risk assessment, and policy management.
Wealth Management
Portfolio management, robo-advisory, and investment platforms with real-time market data.
Cryptocurrency
Digital asset exchanges, wallet infrastructure, and blockchain-based financial services.
Our Delivery Lifecycle
We operate under a structured, predictable lifecycle. Click any step to inspect deliverables.
Compliance & Regulatory Assessment
We assess your regulatory landscape, identify compliance requirements, and map out certifications needed for your fintech product.
## Regulatory Requirements
- PCI-DSS Level 1 certification
- SOC2 Type II audit
- KYC/AML automation
- GDPR data handlingFrequently Asked
We implement PCI-DSS Level 1 compliance from day one, including network segmentation, encryption of cardholder data, tokenization, regular vulnerability scans, and penetration testing. Our architecture minimizes PCI scope by using tokenized payment flows and certified third-party processors where appropriate.
Our payment systems achieve sub-100ms transaction processing with real-time fraud detection. We use event-driven architectures, in-memory processing for hot paths, and optimistic concurrency control to maintain speed without sacrificing consistency or security.
We build compliance as a configurable layer that adapts to different regulatory regimes. Whether it's PSD2 in Europe, Dodd-Frank in the US, or MAS regulations in Singapore, our systems support multi-jurisdiction compliance with automated reporting and jurisdiction-specific KYC/AML workflows.
We implement defense-in-depth security including ML-powered fraud detection, real-time transaction monitoring, behavioral biometrics, encryption at rest and in transit, hardware security modules for key management, and immutable audit logs. Our zero-trust architecture ensures no single point of compromise.
Partner with a trusted fintech app development company
Get a fintech architecture proposal with compliance roadmap and security strategy within one week.