Enterprise Fintech Development CompanyFintech Development
We ship PCI-DSS and SOC 2 compliant fintech platforms in 12 weeks. Our senior engineers build payment systems, lending platforms, and more with fixed pricing.
IRPR is an enterprise fintech development company that builds custom financial platforms for banks, lenders, insurers, and payment providers. We use Node.js, React, Python, and AWS to create systems that handle millions of transactions per day with full PCI-DSS and SOC 2 compliance.
Every project ships in 12-14 weeks with a fixed price between $150K and $500K depending on scope. Our engineers have built core banking systems, payment gateways, lending platforms, and fraud detection tools that process over $2B annually.
We work with CTOs at neobanks who need a scalable core banking platform, VPs of Engineering at credit unions migrating from legacy systems, Product Directors at wealth management firms building investment dashboards, and compliance officers at payment companies requiring RegTech solutions.
Types of software we ship.
Payment processing platform
Handles real-time payment routing, settlement, and reconciliation. Integrates with Stripe, Plaid, and ACH networks.
Core banking system
Manages accounts, transactions, loans, and deposits. Built on PostgreSQL with Kafka for event-driven processing.
Lending management software
Automates loan origination, underwriting, and servicing. Uses machine learning models for credit scoring and risk assessment.
Wealth management platform
Provides portfolio tracking, rebalancing, and client reporting. Integrates with Bloomberg and Morningstar data APIs.
Fraud detection system
Analyzes transaction patterns in real time using Python and TensorFlow. Reduces false positives by 40% compared to rules-based systems.
Regulatory compliance (RegTech) platform
Automates KYC, AML, and reporting workflows. Integrates with identity verification services like Onfido and Jumio.
Digital wallet solution
Supports multi-currency wallets, peer-to-peer transfers, and QR payments. Built with React Native for iOS and Android.
Trading platform
Executes orders with sub-millisecond latency. Uses WebSocket streams and Redis for real-time market data.
We build for every business type.
Banking & Financial Services
Insurance
Lending & Credit
Wealth & Asset Management
Payments & Remittance
Why choose IRPR as your enterprise fintech development company
We deliver production-ready fintech platforms that meet the highest security and compliance standards.
IRPR has shipped over 200 products across 50 countries, with 98% delivered on time. Our engineers hold PCI-DSS and SOC 2 certifications and have built systems processing over $2B in transactions annually.
We use a fixed-price model that eliminates scope creep. Every project begins with a 2-week Roadmap phase where we define the exact scope, timeline, and price. No hourly billing, no surprises.
How IRPR compares to other fintech development companies
Most agencies sell you hours and hope. We sell a finished product with a fixed price and deadline.
Generic dev shops often start with a vague estimate and bill by the hour. They lack fintech-specific compliance knowledge and frequently miss deadlines. IRPR is different.
We only hire senior engineers with 10+ years of experience. Our Roadmap phase locks the scope and price before any code is written. You get full ownership of the source code, CI/CD pipeline, and documentation.
- Hourly billing with no cap
- Junior and mid-level developers
- No fintech compliance expertise
- Vague timelines that slip
- No ownership of code or infrastructure
- One-size-fits-all process
- Fixed price from the Roadmap phase
- Senior engineers only (10+ years)
- PCI-DSS and SOC 2 built in
- 12-14 week delivery guarantee
- Full source code and IP ownership
- Custom process tailored to your stack
Our process for building enterprise fintech platforms
We follow a four-phase approach that de-risks your project from day one.
Every engagement starts with a free discovery call to understand your business goals and technical requirements. We then move into the Roadmap phase where we define the MVP scope, tech stack, and a fixed price.
After the Roadmap, we build your product in 8-12 weeks using agile sprints. You get a demo every two weeks. Finally, we handle deployment, monitoring, and handover with full documentation.
What ships with every enterprise fintech project
You don't just get code. You get a production-ready system with all the tooling needed to run it.
Every delivery includes a fully configured CI/CD pipeline, automated tests, infrastructure as code (Terraform), and monitoring dashboards. We also provide a runbook and architecture diagrams so your team can take over immediately.
- Source code in your private GitHub repo
- CI/CD pipeline on GitHub Actions or GitLab CI
- Infrastructure as code with Terraform (AWS or GCP)
- Sentry error tracking and Datadog monitoring
- Unit tests and integration tests (Jest, Cypress)
- API documentation with Swagger/OpenAPI
- Security audit report (OWASP Top 10)
- PCI-DSS compliance checklist and evidence
- Runbook for on-call engineers
- Architecture diagrams (Draw.io or Lucidchart)
What we ship in this practice.
Real-time payment processing for a neobank
Built a payment engine processing 50,000 transactions per hour using Node.js, Kafka, and PostgreSQL. Reduced settlement time from 2 days to 30 seconds. Integrated with Plaid and Stripe.
Automated lending platform for a credit union
Developed a loan origination system that cut approval time from 5 days to 2 hours. Used React, Python, and a custom credit scoring model on AWS SageMaker. Compliant with NCUA regulations.
Wealth management dashboard for a fintech startup
Created a multi-account portfolio tracker with real-time rebalancing. Built with Next.js, GraphQL, and Redis. Integrated with 10+ broker APIs. Reduced manual reporting by 20 hours per week.
Fraud detection system for a payment gateway
Implemented a machine learning pipeline using Python and TensorFlow that detects fraudulent transactions in under 100ms. Reduced false positives by 40% and saved $1.2M annually.
RegTech compliance platform for a cross-border remittance company
Built an automated KYC/AML system that checks customers against 50+ global sanctions lists. Uses Onfido for identity verification and AWS Lambda for serverless processing. Handles 10,000 verifications per day.
Digital wallet for a retail bank
Developed a mobile wallet supporting Apple Pay, Google Pay, and QR code payments. Built with React Native and Node.js. Launched in 3 countries with 500,000 users in the first 6 months.
Why teams hire us.
Fixed price, not hourly
Every project gets a fixed quote in the Roadmap phase (week 2). No hourly billing, no surprise invoices, no scope creep charges. You know the total cost before we write a line of code.
Senior engineers only
We hire only engineers with 10+ years of experience. No juniors, no offshore teams. Every developer has built fintech systems before and holds relevant compliance certifications.
8-12 week MVPs to production
We ship a working platform in 8-12 weeks. Our process is optimized for speed without cutting corners on compliance. 98% of our projects deliver on time.
Built-in compliance
PCI-DSS and SOC 2 are part of our standard build process. We include security audits, encryption at rest and in transit, and full audit trails. No retrofitting compliance later.
Full ownership from day one
You own the source code, infrastructure, and IP. We transfer everything to your GitHub and AWS accounts. No licensing fees, no vendor lock-in.
Async-first, overlap hours
Our team works across time zones with daily overlap with US hours. We communicate via Slack and Notion. You get a dedicated PM and weekly video demos.
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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