Fintech development costdevelopment cost
Fintech development cost depends on features, compliance, and team expertise. We deliver PCI-DSS and SOC 2 compliant apps for $80K-$250K, fixed price, in 12-16 weeks.
IRPR builds fintech software for payments, lending, wealth management, and insurance. We use Next.js for frontends, Python or Node.js for APIs, AWS for infrastructure, and integrate Stripe, Plaid, or custom core banking systems. Every project starts with a fixed price quote and a clear timeline.
A typical fintech MVP ships in 12-16 weeks with a budget between $80K and $250K. All projects meet PCI-DSS Level 1 and SOC 2 Type II standards. You own the full source code, CI/CD pipeline, and infrastructure scripts on day one.
We work with fintech founders launching a neobank, financial advisors building a client portal, lending startups digitizing loan origination, and payment companies modernizing their transaction engine. You get a senior team of 3-6 engineers who have built compliant fintech systems before.
Types of software we ship.
Payment gateway
Process payments, subscriptions, and payouts. Integrates with Stripe, Braintree, or custom processors.
Robo-advisor platform
Automated portfolio management with risk profiling. Uses Alpaca API or custom trading engines.
Loan origination system
Digitize application, underwriting, and closing. Connects to credit bureaus and banks.
Personal finance app
Track spending, set budgets, and link accounts via Plaid. Mobile-first with React Native.
Crypto wallet
Send, receive, and swap digital assets. Supports Ethereum, Solana, and custom tokens.
Insurance claims platform
Automate claims submission, review, and payout. Integrates with Guidewire or Duck Creek.
Expense management tool
Capture receipts, approve expenses, and sync with QuickBooks or Xero.
KYC/AML compliance software
Verify identities, screen sanctions, and monitor transactions. Uses Onfido or Alloy.
We build for every business type.
Banking and credit unions
Investment firms
Insurance
Real estate finance
Alternative lending
What drives fintech development cost
Fintech development cost depends on compliance requirements, integrations, and feature complexity.
Building a payment gateway with PCI-DSS Level 1 costs more than a personal finance app because of audit scope and data encryption. At IRPR, we include compliance setup in the fixed price so there are no surprises halfway through the project.
Typical cost drivers include: number of user roles, real-time transaction processing, third-party integrations (Stripe, Plaid, Plaid, etc.), and regulatory reporting. We break down your budget in the Roadmap phase (week 2) before any code is written.
Generic dev shop vs IRPR: the real cost driver
The cost of fintech development doubles when you have to redo security and compliance after launch.
Many agencies build the frontend first and treat compliance as an afterthought. That leads to rewrites, delayed launches, and fines. IRPR builds compliance into every sprint from day one.
With a generic shop you might pay hourly for discovery, then hourly for changes. With IRPR you get a fixed price in week 2 that covers everything from architecture to deployment.
- Hourly billing with no budget cap
- Compliance added at the end
- Junior developers on your project
- No security audit included
- 8-12 month delivery
- You do not own the full code
- Fixed price agreed in week 2
- PCI-DSS and SOC 2 built in from start
- Senior engineers only (8+ years avg)
- Security audit included in the price
- MVP delivered in 8-12 weeks
- Full code and CI/CD ownership
Our process for building fintech software
We use the same 4-phase process for every fintech project: Idea, Roadmap, Product, Release.
In the Idea phase (week 1) we map your requirements, define user stories, and sketch the architecture. This is free and takes 5 days.
The Roadmap phase (week 2) produces a fixed price contract with a detailed scope, timeline, and compliance checklist. You approve the roadmap, then we start building.
What ships with every fintech project
Every fintech project from IRPR includes these deliverables by default.
We do not hand you a ZIP file and walk away. You get a working product with full documentation, a CI/CD pipeline, and compliance evidence ready for auditors.
- Source code in your own GitHub or GitLab repo
- CI/CD pipeline on GitHub Actions or AWS CodePipeline
- Infrastructure as code with Terraform or CDK
- PCI-DSS or SOC 2 compliance checklist
- Sentry error tracking and Datadog monitoring
- Unit test suite with 80%+ coverage
- Post-launch support for 30 days
- One-hour onboarding session for your team
What we ship in this practice.
Neobank back-end platform
Built a core banking engine with account management, transactions, and compliance reporting. Reduced transaction processing cost by 40% using AWS Lambda and Plaid. Tech stack: Node.js, PostgreSQL, Plaid, AWS.
Loan origination system for a fintech lender
Replaced manual paper applications with a digital portal that auto-populates credit data. Loan approval time dropped from 5 days to 2 hours. Tech stack: Python, Django, TransUnion API, S3.
Crypto wallet with multi-chain support
Developed a non-custodial wallet supporting Ethereum and Solana with on-chain swap. Onboarded 10,000 users in the first month. Tech stack: React Native, ethers.js, Solana Web3.js.
Insurance claims automation platform
Automated claims intake and document verification with AI. Cut claim processing time from 2 weeks to 3 days. Tech stack: Next.js, DocuSign, Duck Creek, AWS Lambda.
Personal finance aggregator
Built an app that connects 50+ financial institutions via Plaid and provides budget insights. 80% of users log in weekly. Tech stack: React, Plaid, GraphQL, Aurora.
Payment gateway for subscription platforms
Developed a white-label payment gateway handling recurring billing and multi-currency settlements. Processed $5M in transactions within 3 months. Tech stack: Stripe Connect, Ruby on Rails, Redis.
Why teams hire us.
Fixed price, not hourly
Every fintech project gets a fixed price in the Roadmap phase (week 2). No hourly billing, no surprise invoices, no scope creep charges. The price you agree on is the price you pay.
Senior engineers only
IRPR teams average 8+ years of experience. We do not hire juniors or outsource to low-cost shops. Every line of code is written by a senior developer who has shipped fintech products before.
Built-in compliance
PCI-DSS Level 1 and SOC 2 Type II are standard on every fintech project. We include compliance architecture, data encryption, and audit trails in the initial scope. You do not pay extra for security.
Full ownership from day one
You own the source code, infrastructure scripts, and all documentation. No licensing fees, no lock-in, no proprietary frameworks. We deploy to your AWS or GCP account.
Same timezone coverage
Our senior engineers work in US and EU timezones. You get daily standups and slack access during your business hours. No 8-hour delays waiting for replies.
Post-launch support included
After release we provide 30 days of free support, including bug fixes, monitoring, and team handover. We do not disappear after deployment.
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.