Payment platforms
Card processing, ACH, UPI, SEPA, wire — with reconciliation, dispute management, settlements, and the boring infrastructure that keeps payments boring.
INDUSTRIES · 02FinTech engineering, compliance-ready
FinTech software that's safe, fast, and built to pass audits.
Payments, neo-banking, lending, wealth, and regtech — built on infrastructure that meets PCI DSS, SOC 2, and ISO 27001 by default. We've shipped products that move money, score credit, settle trades, and pass quarterly compliance audits without panic.
What we build
FinTech software, six common starting points.
Six of the most common engagements we ship for fintech clients — usually starting as a focused build and growing into a longer engagement.
Neo-banking apps
Mobile-first banking with KYC, onboarding, accounts, cards, transfers, and the regulatory wiring (BIN sponsorship, KYC/AML providers) that makes it legal.
Lending platforms
Loan origination, underwriting workflows, credit scoring (rules-based and ML), repayments, collections, and reporting for consumer and SME lending.
Wealth & trading
Portfolio dashboards, brokerage integrations, robo-advisor logic, tax-lot accounting, and the order-management plumbing behind it.
RegTech & compliance
KYC/AML workflows, sanctions screening, transaction monitoring, regulatory reporting (FATCA, CRS, RBI returns), and audit-ready evidence.
FinTech security
Fraud detection, device fingerprinting, behavioural biometrics, real-time risk scoring, and the SOC 2 / ISO documentation auditors actually ask for.
Use cases
Three deployments worth showing.
Real fintech builds where the engineering paid for itself within months.
Consumer banking app
Mobile banking app with KYC, debit cards, P2P transfers, bill pay, and savings goals — built on a BIN-sponsored card programme with integrated KYC, AML, and fraud monitoring.
KYCfully automated
< 90sonboarding
Loan origination platform
End-to-end lending platform — application, document collection, automated underwriting, e-signature, disbursement, and collections. Replaced a paper-driven process across a national lender.
8 daysto 90 seconds
12×applications/day
Reconciliation & settlements
Automated reconciliation across 14 payment processors, banks, and PSPs. Daily settlements, dispute tracking, and a finance dashboard that closes books in hours, not days.
99.97%auto-matched
8h/wkops saved
Compliance & standards
Built to pass the audits, not just to ship.
Production-grade payment infrastructure (Stripe, Adyen, Rapyd, Razorpay), banking-as-a-service partners (Stripe Treasury, Marqeta), KYC/AML providers (Onfido, Persona, Sumsub), and the core systems engineering — Postgres for ledgers, Kafka for event streams, idempotency keys for everything that touches money.
PCI DSS
SOC 2
ISO 27001
GDPR
RBI / SEBI
FATCA / CRS
How we work
Six steps from fintech workflow to production software.
Most engagements start with a 2-week discovery sprint — a fixed-price scoping exercise that produces a clear plan and budget.
01
Regulatory mapping
Which jurisdictions, which licenses, which audits. Done upfront — because retrofitting compliance is expensive.
02
Architecture & security
Threat modelling, data segregation, key management, audit trails, and SOC 2 / PCI scoping designed into the architecture.
03
Integration design
Payment processors, BaaS, KYC/AML, fraud, identity — chosen on price, latency, coverage, and time-to-integrate.
04
Build & test
Two-week sprints with strict idempotency, double-entry ledgers, and end-to-end test coverage on every money-moving path.
05
Compliance evidence
Audit logs, access reviews, penetration tests, and the documentation auditors need. We produce, you sign.
06
Launch & scale
Phased rollout with rate limits, real-time monitoring, and a tested rollback plan for every release.
Frequently asked
FinTech software questions.
Do you build PCI DSS-compliant systems?
+
Yes. We design around PCI DSS by minimising card data scope — using tokenisation, hosted payment fields (Stripe Elements, Adyen Drop-in), and never storing PANs unless absolutely necessary. For card-on-file or processing scenarios, we deploy on PCI-eligible infrastructure with proper segmentation, encryption, key management, and access controls. We help clients pass PCI audits by producing the policies, evidence, and pen-test results required.
Can you integrate with our existing payment processor or core banking?
+
Yes. We integrate with all major processors (Stripe, Adyen, Braintree, Worldpay, Rapyd, Razorpay, PayU), Banking-as-a-Service providers (Stripe Treasury, Marqeta, Synapse, Solid), and core banking systems (Mambu, Thought Machine, custom legacy). For closed core systems without modern APIs, we build adapters.
How do you handle KYC and AML?
+
We integrate with established KYC/AML providers (Onfido, Persona, Sumsub, Veriff, Trulioo) and build the workflow around them — document capture, liveness, sanctions screening, PEP screening, periodic re-verification, and audit trails. For higher-risk products, we add transaction monitoring with rule-based and ML-based detection.
How long does FinTech software take to build?
+
A neo-banking MVP typically takes 16 to 24 weeks. A focused lending platform takes 12 to 20 weeks. Payment integrations or reconciliation systems can ship in 6 to 12 weeks. FinTech projects take longer than other industries because of compliance, ledger design, and the testing required when money is on the line.
How much does FinTech software cost?
+
FinTech projects at Appsmediaz typically range from $25,000 for a focused integration or MVP to $400,000+ for full neo-banking or lending platforms with multi-jurisdiction compliance. We provide fixed quotes after a 2 to 4 week regulatory and architecture sprint.
Related industries
More industries we serve.
Other verticals where we've shipped meaningful software.
More industries we serve
Got a FinTech product or migration on the roadmap?
Book a free 30-minute call. We'll talk regulation, ledger design, and budget — no upsells, no buzzword bingo.
Schedule a call