Fintech development pricingpricing
You get a fixed quote after a 2-week Roadmap phase. No hourly surprises, no scope creep.
IRPR builds fintech products using Next.js, React Native, AWS, Python, and Go. We handle everything from payment integrations with Stripe and Plaid to blockchain ledger syncs.
Every project starts with a 2-week Roadmap phase that produces a fixed price quote. Typical fintech MVPs run 8-12 weeks and cost between $80K and $250K. All code is PCI-DSS and SOC 2 compliant.
Founders hire us to launch regulated payment platforms. CTOs need compliant lending software. Product managers want a fixed-cost MVP for their fintech SaaS. We work with all of them.
Types of software we ship.
Payment processing platform
Handles ACH, card, and crypto payments. Built with Stripe Connect, Plaid, and AWS Lambda.
Lending platform
Automates loan origination, credit scoring, and repayment. Integrates with Equifax and TransUnion APIs.
Wealth management app
Portfolio tracking, robo-advising, and tax-loss harvesting. Uses Alpaca for brokerage API and Snowflake for analytics.
Personal finance app
Budgeting, expense categorization, and savings goals. Syncs with Plaid for 12,000+ financial institutions.
Blockchain wallet
Multi-currency wallet with Ethereum and Solana support. Includes smart contract deployment and DEX swap integration.
Crowdfunding platform
Equity, reward, and donation-based funding. Built with Stripe, SEC-compliant KYC via Jumio.
Insurance tech platform
Policy administration, claims processing, and usage-based pricing. Integrates with Guidewire and Salesforce.
RegTech compliance software
AML, KYC, and transaction monitoring. Uses Onfido for identity verification and AWS for secure data storage.
We build for every business type.
Lending
Payments
Wealth and Investing
Insurance
Banking and Compliance
What determines fintech development pricing
Your fintech development pricing depends on features, integrations, and compliance scope.
The biggest cost drivers are payment integrations (Stripe, Plaid, ACH), identity verification (Onfido, Jumio), and compliance certifications (PCI-DSS, SOC 2). A simple payment gateway MVP with three features might cost $80K. A full lending platform with credit scoring and regulatory reporting can reach $250K or more.
IRPR gives you a fixed price after a 2-week Roadmap phase. During that phase we map every user story, API dependency, and compliance requirement. You see the exact price before any development starts. No estimates, no hourly tracking.
How IRPR is different on fintech development pricing
Generic dev shops bill hourly and hide compliance costs. IRPR gives you one fixed price.
Most agencies quote a low hourly rate then add 40% for integrations and compliance. They don't tell you that Plaid and Stripe setup costs extra. They don't include security audits or penetration testing in the initial quote.
IRPR builds the compliance into the price from day one. We include PCI-DSS audit prep, SOC 2 controls, and all third-party integration costs in the fixed quote. You know exactly what you're paying before a single line of code is written.
- Hourly billing with no cap
- Compliance integrations billed as extras
- Scope creep kills timeline
- No dedicated security review
- Code ownership unclear
- No post-launch support
- Fixed price after 2-week Roadmap
- All compliance costs included
- 8-12 week timeline guaranteed
- Penetration testing included
- Full code ownership
- 3 months of post-launch support
Our fintech development process for predictable pricing
We use a 4-phase approach so you never pay for guesswork.
Phase 1 is the Idea Clarity call where we confirm scope and compliance needs. Phase 2 is the Roadmap: we build a detailed spec, UI mockups, and a firm fixed price quote. Phase 3 is Product development with weekly demos. Phase 4 is Release: deployment, testing, and handover.
Each phase has a fixed duration and fixed price. You can stop after any phase with a complete deliverable. 98% of projects ship on time because we don't change the price or scope without a formal change order.
What you get with our fintech development pricing
Every project ships with production-ready deliverables, not just code.
You get a fully functional fintech application deployed on AWS or GCP with auto-scaling and 99.9% uptime SLA. All source code is in your private repository. We include integration with at least one payment or banking API (Stripe, Plaid, or Adyen).
Compliance documentation is included: PCI-DSS self-assessment, SOC 2 type II report readiness, and an audit trail. We also deliver a user manual and admin dashboard walkthrough.
- Source code in your GitHub/GitLab repo
- CI/CD pipeline on GitHub Actions or CircleCI
- Stripe or Plaid integration live
- PCI-DSS compliance documentation
- SOC 2 control mapping
- Penetration test report
- Admin dashboard with logs and alerts
- 3 months of bug fixes and monitoring
- User onboarding flow with KYC via Onfido
- Load testing results for 10,000 concurrent users
What we ship in this practice.
P2P lending platform for marketplace lender
Built a platform that connects borrowers with individual lenders. Reduced loan origination time by 70%. Tech stack: Next.js, AWS Lambda, Plaid for bank verification, Stripe for payments. Industry: Lending.
Mobile payment wallet for gig economy startup
Developed a digital wallet that processes 50,000 transactions per week with 99.9% uptime. Integrated with Plaid for bank linking and Stripe Connect for payouts. Industry: Payments.
Robo-advisor investment app for wealth management firm
Created a robo-advisor that manages $200M in assets using modern portfolio theory algorithms. Uses Alpaca brokerage API and Snowflake for real-time analytics. Industry: Wealth & Investing.
On-demand insurance claims processing system
Built an automated claims system that reduced average claim settlement from 14 days to 2 days. Integrates with Guidewire and uses ML for fraud detection. Industry: Insurance.
KYC/AML compliance dashboard for RegTech startup
Delivered a compliance dashboard that processes 10,000 identity verifications daily using Onfido and IDnow. Generates regulatory reports for FinCEN and OFAC. Industry: RegTech.
Open banking API platform for challenger bank
Developed a set of REST and GraphQL APIs that allow third-party apps to access account data. Compliant with PSD2 and uses OAuth 2.0. Handles 1 million API calls per day. Industry: Banking.
Why teams hire us.
Fixed price after Roadmap
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 exact cost before development starts.
PCI-DSS and SOC 2 built in
We bake compliance into the architecture from day one. You don't pay extra for security audits or penetration testing. Our standard process includes both.
Senior engineers only
Our team has an average of 10 years of fintech experience. We don't outsource to juniors or use offshore code mills. Every line of code is peer-reviewed.
8-12 week MVPs
We deliver production-ready fintech apps in 8-12 weeks. Our record for a payment platform was 9 weeks. You can launch to real users within a quarter.
Full code ownership
You own every line of code we write. No licensing fees, no platform lock-in. We deliver the entire source code in your repository the day we ship.
Post-launch support included
Every project comes with 3 months of bug fixes, monitoring, and hotfix support. We don't disappear after launch. Our SLA guarantees response within 2 hours.
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.