Fintech Development ServicesDevelopment Services
We build fintech platforms that pass PCI-DSS and SOC 2 audits. Ship your MVP in 12 weeks with a fixed price.
IRPR builds fintech development services for companies that need secure, compliant financial software. We use React, Node.js, Python, and AWS to build payment platforms, digital wallets, lending systems, and investment apps. Every project integrates with Stripe, Plaid, or custom APIs.
Our fintech development services deliver a working MVP in 12-14 weeks. Pricing is fixed from $80K to $250K depending on scope. All projects meet PCI-DSS Level 1 and SOC 2 Type II standards. We handle audits and penetration testing as part of the build.
Fintech startup founders hire us to launch their first product. Bank product managers use us to modernize legacy systems. Payment platform CTOs bring us in to add new features. Wealth management VPs trust us to build compliant trading tools.
Types of software we ship.
Payment processing platform
Handles transactions, recurring billing, and multi-currency support. Integrates with Stripe, Braintree, and Adyen.
Digital wallet app
Stores funds, enables peer-to-peer transfers, and supports QR code payments. Uses Plaid for bank linking and Firebase for push notifications.
Lending management system
Automates loan origination, underwriting, and repayment tracking. Built with Python, PostgreSQL, and machine learning for risk scoring.
Investment trading platform
Supports real-time market data, order execution, and portfolio tracking. Uses WebSockets, Node.js, and AWS Lambda for low latency.
Personal finance management app
Aggregates accounts, categorizes spending, and sets budgets. Connects to 10,000+ financial institutions via Plaid and Yodlee.
Regulatory compliance software
Automates AML checks, KYC verification, and reporting. Integrates with Jumio, Onfido, and ComplyAdvantage for identity verification.
Fraud detection system
Analyzes transaction patterns in real time to flag suspicious activity. Uses Python, TensorFlow, and Apache Kafka for streaming data.
Crowdfunding platform
Manages campaigns, pledges, and payouts. Built with React, Stripe Connect, and PostgreSQL to handle equity or reward-based models.
We build for every business type.
Banking
Payments
Lending
Wealth Management
Insurance
Fintech development services by the numbers
Our track record shows what fintech teams can expect when they work with IRPR.
We have shipped over 200 products across 50 countries. 98% of our fintech projects launch on time. Our average MVP timeline is 12 weeks from kickoff to release.
Every fintech platform we build meets PCI-DSS Level 1 and SOC 2 Type II standards. We include penetration testing and compliance documentation in every project. Our clients see 99.9% uptime after launch.
How IRPR differs from generic dev shops
Most agencies bill hourly and miss compliance. IRPR delivers fixed-price fintech platforms that pass audits.
Generic dev shops often treat fintech like any other app. They skip compliance, use junior developers, and charge by the hour. That leads to missed deadlines, failed audits, and surprise invoices.
IRPR assigns senior engineers only. We build compliance into every sprint. Our fixed price means you know the cost from week 2. We handle PCI-DSS, SOC 2, and GDPR so you can focus on your product.
- Hourly billing with no cap
- Junior developers on your project
- No compliance expertise
- Scope creep without change orders
- No penetration testing included
- Code ownership often unclear
- Fixed price from the Roadmap phase
- Senior engineers only (8+ years experience)
- PCI-DSS and SOC 2 built in
- Scope locked after Roadmap (week 2)
- Penetration testing included
- Full code ownership from day one
Our fintech development process
We follow a four-phase process that turns your idea into a compliant, shippable product.
Every fintech project starts with a discovery call. We learn your goals, compliance needs, and target users. Then we build a detailed Roadmap with wireframes, tech stack, and a fixed price.
The Build phase runs in 2-week sprints. You see working software every sprint. The Release phase includes deployment, monitoring, and a 30-day warranty.
What ships with every fintech project
Every fintech development service from IRPR includes these deliverables by default.
We don't cut corners on compliance or code quality. Every project ships with the same set of production-ready assets.
- Source code in your private GitHub repo
- CI/CD pipeline on GitHub Actions or GitLab CI
- Sentry error tracking and performance monitoring
- PCI-DSS Level 1 compliance documentation
- SOC 2 Type II report and evidence package
- Penetration test results from a third-party firm
- API documentation (OpenAPI/Swagger)
- Deployment runbook and architecture diagram
- 30-day post-launch warranty with bug fixes
- One hour of weekly support for the first month
What we ship in this practice.
Payment gateway for an ecommerce platform
Built a custom payment gateway that reduced transaction failures by 30%. Integrated with Stripe, Braintree, and PayPal. Used Node.js, PostgreSQL, and AWS Fargate. Industry: ecommerce.
Digital wallet for a remittance startup
Created a mobile wallet that cut international transfer time from 3 days to 10 minutes. Used Plaid for bank linking, React Native for the app, and AWS Lambda for backend. Industry: payments.
Lending platform for a small business lender
Automated underwriting and reduced loan approval time from 2 weeks to 2 hours. Used Python, PostgreSQL, and a machine learning risk model. Industry: lending.
Investment app for a millennial-focused brokerage
Built a stock trading app that increased user retention by 40%. Used Next.js, Firebase, and Alpaca Markets API for real-time trading. Industry: wealth management.
Compliance reporting tool for a regional bank
Developed a dashboard that saved compliance officers 20 hours per week on regulatory filings. Used Node.js, AWS RDS, and Tableau for reporting. Industry: banking.
Fraud detection system for a payment processor
Deployed a real-time fraud detection system that flagged 95% of fraudulent transactions. Used Python, TensorFlow, and Apache Kafka for streaming data. Industry: payments.
Why teams hire us.
Fixed price, not hourly
Every fintech project gets a fixed quote in the Roadmap phase (week 2). No hourly billing, no surprise invoices, no scope creep charges.
Senior engineers only
Our team averages 10+ years of experience. Every engineer has built and deployed fintech platforms that pass PCI-DSS and SOC 2 audits.
12-week MVP guarantee
We ship a working, compliant MVP in 12 weeks or less. 98% of our fintech projects launch on time. If we miss, we work extra at no cost.
Full code ownership
You own all source code, documentation, and IP from day one. No licensing fees, no vendor lock-in. We transfer everything to your GitHub account.
Compliance built in
We include PCI-DSS Level 1, SOC 2 Type II, and GDPR compliance in every project. We handle penetration testing and audit preparation as part of the build.
Post-launch support
Every project includes a 30-day warranty with bug fixes and one hour of weekly support. We also offer ongoing maintenance at a fixed monthly rate.
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.
─── share this page ───
