Best Fintech Development AgenciesDevelopment Agencies
We build Fintech apps for payments, lending, and banking. Fixed price from $80K to $250K with delivery in 8-12 weeks.
IRPR builds Fintech apps using React, Node.js, PostgreSQL, and AWS. Our team handles payment gateways like Stripe and Plaid.
You get a production-ready app in 8-12 weeks. Pricing ranges from $80K for an MVP to $250K for a full-featured platform. All code is PCI-DSS and SOC 2 compliant.
Fintech startups needing a first product, banks modernizing legacy systems, payment companies scaling their platform, and lenders automating underwriting - these are our clients.
Types of software we ship.
Payment processing software
Build custom payment gateways with Stripe Connect or Adyen. Supports recurring billing, multi-currency, and fraud detection.
Lending platform
Automate loan origination, underwriting, and servicing. Integrates with credit bureaus and ACH networks.
Digital banking app
Create neobank features like virtual cards, savings accounts, and money transfers. Built on Plaid and Synapse.
Investment management platform
Portfolio tracking, automated rebalancing, and tax-loss harvesting. Connects with brokerage APIs.
Insurance (Insurtech) platform
Policy administration, claims management, and underwriting. Uses machine learning for risk scoring.
Compliance and regulatory software
AML/KYC verification, transaction monitoring, and reporting. Integrates with LexisNexis and ComplyAdvantage.
Cryptocurrency exchange
Order matching, wallet management, and blockchain integration. Built with Web3 libraries and AWS.
Personal finance management app
Budget tracking, spending categorization, and financial goals. Syncs with banks via Plaid and MX.
We build for every business type.
Banking
Payments
Lending
Investing
Insurance
Fintech development agency benchmarks
These metrics show what IRPR delivers for Fintech clients.
Our team has shipped over 200 Fintech products across 50 countries. We maintain a 98% on-time delivery rate and 99.9% uptime for all deployed apps.
Clients typically launch in 8-12 weeks with a fully compliant app. The average project cost is $150K, covering everything from concept to deployment.
IRPR vs generic development shops for Fintech
Not all agencies understand Fintech compliance and security.
Generic shops often ignore PCI-DSS or SOC 2 requirements until late in the project. This causes rework, delays, and audit failures.
IRPR builds compliance into the architecture from day one. Every project includes penetration testing, data encryption, and audit-ready documentation.
- Starts coding without compliance review
- Uses shared hosting for sensitive data
- No dedicated QA for security
- Scope creep leads to cost overruns
- Code ownership unclear
- Average timeline 6+ months for MVP
- PCI-DSS and SOC 2 compliance from sprint one
- AWS or Azure with encrypted storage
- Dedicated security testing and penetration tests
- Fixed price with no surprise charges
- Full source code ownership
- 8-12 week delivery for MVP
Our Fintech development process
From idea to release in four phases.
Phase 1: Idea validation and compliance checklist. We review your concept, target market, and required certifications (PCI, SOC 2, etc.).
Phase 2: Roadmap and fixed-price quote. Within 2 weeks, you get a detailed plan with wireframes, tech stack, and a precise budget.
What ships with every Fintech app
You get more than just code.
Every project includes a production-ready app with full compliance documentation. We also provide monitoring and support for the first 90 days.
- Source code in your private GitHub repository
- CI/CD pipeline with GitHub Actions and AWS CodeDeploy
- PCI-DSS and SOC 2 compliance evidence
- Penetration test report from an independent firm
- User documentation and API reference
- Sentry error and performance monitoring
- 99.9% uptime SLA guaranteed
- Admin dashboard for managing users and payments
- Stripe or Adyen merchant account integration
- Plaid or MX connection for bank data
What we ship in this practice.
Peer-to-peer lending platform
Built a platform that connects borrowers with private lenders. Reduced loan approval time from 2 weeks to 24 hours using automated underwriting. Tech stack: Next.js, PostgreSQL, Stripe, Experian API.
Digital banking app for a neobank
Developed a mobile-first banking app with virtual cards, direct deposit, and savings goals. Achieved 50,000 active users in 3 months with 4.8 star rating. Tech stack: React Native, Node.js, Plaid, MongoDB.
Payment processing gateway
Created a payment gateway for an ecommerce platform handling $2M monthly volume. Reduced transaction failures by 30% and added support for 20 currencies. Tech stack: Python, Django, Stripe Connect, AWS RDS.
Insurtech claims management system
Built a claims processing system for a health insurance startup. Cut claim resolution time from 15 days to 3 days using AI document classification. Tech stack: React, Flask, MongoDB, AWS Lambda.
Cryptocurrency exchange backend
Designed the backend for a crypto exchange with order matching, wallet services, and blockchain integration. Handled 10,000 transactions per second with 99.99% uptime. Tech stack: Go, PostgreSQL, Redis, AWS EC2.
Regulatory compliance platform
Developed an AML/KYC platform for a fintech company. Automated identity verification for 1 million users, reducing manual review by 80%. Tech stack: React, NestJS, ComplyAdvantage, AWS DynamoDB.
Why teams hire us.
Fixed price, not hourly
Every Fintech project gets a fixed quote after the 2-week Roadmap phase. You never pay for overruns or scope creep.
Compliance built in from day one
We start every Fintech project with a compliance checklist for PCI-DSS, SOC 2, and GDPR. Our apps pass audits without rework.
Senior engineers only
Every developer on your project has at least 7 years of experience. No junior staff, no outsourcing to offshore teams.
8-12 week MVP delivery
We ship a production-ready Fintech app in 8 to 12 weeks. That includes payment integrations, KYC, and compliance documentation.
Full code ownership
You own all source code and IP from day one. No licensing fees, no vendor lock-in.
Post-launch support included
Every project includes 90 days of free monitoring and support after launch. We fix issues and optimize performance during the critical first quarter.
Idea → Roadmap → Product → Release.
Every engagement runs through the same four-stage pipeline. Predictable by design.
Questions clients ask first.
Related services and industries.
Ready to build? Let's talk.
30-minute discovery call. No deck. We'll tell you honestly what it takes, how long, and how much.
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