Fintech software development.
Custom fintech software development - payment gateways, neobank apps, wealth platforms, lending tools, and trading systems. PCI DSS, SOC 2, and KYC/AML compliant by design.
IRPR.io is a fintech software development company. We build payment apps, digital banks, lending software, wealth management platforms, and trading tools for startups, banks, and financial operators. If you handle money, we know how to build software around it.
Every product we ship is PCI DSS-aligned, SOC 2-ready, and built to survive real regulatory scrutiny. We've integrated with Stripe, Plaid, Marqeta, Finicity, and every major core banking system. Fraud, KYC, AML, and ledger correctness are first-class engineering problems for us, not afterthoughts.
Book a discovery call - in 30 minutes we'll tell you honestly what your fintech idea takes to build, what compliance you need, and what it costs.
Types of fintech software we build.
Mobile banking app
iOS and Android neobank apps with cards, transfers, and push alerts.
Payment gateway
Multi-processor routing, tokenization, and reconciliation.
Digital wallet app
Consumer wallets with P2P, bill-pay, and QR payments.
Card issuing platform
Virtual and physical card programs on Marqeta or Stripe Issuing.
Account opening flow
KYC, liveness checks, and digital onboarding in under 3 minutes.
Payment orchestration
Route transactions to the best processor by cost, risk, and approval rate.
─── can't find yours? we've probably built it. book a call ───
Who hires us for fintech software.
What makes fintech software hard.
Money bugs become lawsuits.
A penny-off ledger entry at scale is a class-action lawsuit. We treat financial correctness like safety-critical software.
PCI DSS is table stakes, not a goal.
If you handle cards, you're already in scope. We architect around PCI from day one so you're not rebuilding later.
Fraud and chargebacks will eat your margin.
Without fraud tooling, you lose 2-5% of revenue to fraud. We build detection into the product before launch.
KYC onboarding breaks conversion.
Every extra step loses 10-20% of signups. We design KYC flows that pass compliance and keep funnels tight.
Banking partners move slow.
BaaS providers, Plaid, core banking - they all have their own timelines. We've worked through enough of them to route around the bottlenecks.
The regulatory stack we ship against.
Payment Card Industry Data Security Standard
Required for anyone handling, storing, or transmitting cardholder data.
Tokenization via Stripe, Adyen, or your processor. No raw PANs in our systems. Scoping reduces your audit surface.
Fintech software, built to pass audits.
Compliance failure is a company-ender. We build to survive the audit you haven't scheduled yet.
Too many fintechs learn compliance the expensive way - after a regulator letter or a failed SOC 2. We design PCI, SOC 2, KYC/AML, and audit trails in at architecture phase so the audit is boring.
We've taken 25+ fintech products from concept to production with zero compliance fires. Book a call and we'll walk through how.
Generic dev shop vs. a fintech team.
Building financial software without fintech experience is how startups lose their banking partners.
- no PCI experience
- storing PANs in Postgres
- single-entry ledger that drifts
- no KYC design
- fraud 'we'll add later'
- rebuild for SOC 2
- PCI-scoped from day 1
- tokenized, no raw PANs
- double-entry ledger
- KYC + AML wired in
- fraud detection at launch
- designed for SOC 2
How we build a fintech product.
Four stages. Compliance in every one.
What ships with every fintech build.
Wired on day one. Never 'phase 2.'
- PCI-scoped tokenization
- Double-entry ledger
- KYC + AML identity flow
- Fraud detection + manual review
- SOC 2-ready audit logs
- Third-party pen test
- Incident response plan
- Regulator export tooling
- Data encryption + key mgmt
- Reconciliation jobs + alerts
The systems we plug into.
What we ship for fintech teams.
Neobank mobile app
iOS and Android neobank with virtual cards, transfers, push notifications, and biometric auth. 150K+ users at launch.
Payment orchestration platform
Routes transactions across multiple processors by cost and approval rate. +3% approval lift typical.
SMB lending platform
Loan origination with Plaid bank data, underwriting rules, and automated decisioning in under 60 seconds.
Robo-advisor app
Automated portfolio management with daily rebalancing, tax-loss harvesting, and advisor chat.
Crypto on-ramp
Fiat-to-crypto purchase flow with KYC, compliance screening, and multi-chain wallet support.
Insurance quote-and-bind
Online quote, underwriting, e-signature, and policy issue for P&C insurance in under 5 minutes.
Patterns we deploy on every build.
Double-entry ledger core
Every transaction is two balanced entries. Provably correct, auditable, no silent drift.
- Idempotent transaction writes
- Reconciliation jobs on every cycle
- Audit-friendly event log
- No direct balance updates
- Cents-level accuracy
Tokenized card boundary
Raw card numbers never touch our servers. Everything goes through a PCI-compliant vault.
- Stripe / Adyen tokenization
- Network tokens where available
- No PAN in logs, ever
- Reduced PCI scope
- 3DS + SCA supported
Real-time fraud checks
Every transaction runs through rules + ML before it commits. Suspicious ones route to manual review.
- Velocity + geo rules
- ML risk scoring
- Manual review queue
- Chargeback integration
- Feedback loop retraining
Audit-grade change log
Every state change is recorded with who, what, when, why.
- Append-only audit table
- Structured event schema
- User + API attribution
- Regulator-ready exports
- 7-year retention default
Idea → Roadmap → Product → Release.
Every engagement runs through the same four-stage pipeline. Predictable by design.
Every IRPR.io service, re-framed for fintech.
Web Apps for Fintech
Neobank portals, lending dashboards, and investment platforms - fast, accessible, secure.
Mobile Apps for Fintech
iOS and Android fintech apps with biometric login, card issuing, and push.
AI Products for Fintech
Fraud detection, underwriting ML, and AI-powered customer support for financial products.
Cloud & DevOps for Fintech
PCI and SOC 2 cloud foundations on AWS. Audit logs, pen-test ready, high availability.
Data for Fintech
Transaction analytics, risk dashboards, and regulatory reporting pipelines.
SaaS MVPs for Fintech
Fintech SaaS MVP in 12-16 weeks - auth, billing, compliance, admin, live.
Fintech by geography + vertical.
Dedicated pages for the US metros where fintech concentrates, and adjacent verticals we serve.
Questions clients ask first.
Your fintech product, shipped.
Book a discovery call with an engineer who has shipped in fintech before. 30 minutes, no deck.