Fintech Project EstimationEstimation
Get a fixed price for your fintech project in 2 weeks. No surprises, no hourly billing, no scope creep.
IRPR builds fintech software that handles money, data, and compliance. We use React, Node.js, AWS, and Stripe to ship products that pass PCI-DSS and SOC 2 audits on day one.
Every fintech project gets a fixed price after a 2-week Roadmap phase. Prices run from $80K to $250K for an MVP. Delivery takes 12-14 weeks. Compliance is built in, not bolted on.
Founders hire us to build a regulated MVP fast. CTOs hire us to replace a broken legacy system. Product managers hire us to add payment features to a SaaS platform. Banks hire us to build internal tools that pass audit.
Types of software we ship.
Payment processing platform
Process credit cards, ACH, and wire transfers with Stripe Connect or Plaid. Built for volume and uptime.
Lending and loan management system
Underwrite, disburse, and collect loans with automated workflows. Integrates with credit bureaus via Experian API.
Investment and wealth management platform
Manage portfolios, execute trades, and generate reports. Uses Alpaca API for brokerage and Plaid for account linking.
Digital banking and neobank app
Offer checking, savings, and debit cards. Built on Synapse or Unit banking-as-a-service APIs.
Insurance (insurtech) platform
Quote, bind, and manage policies. Integrates with Guidewire or Duck Creek for core insurance processing.
Crypto and blockchain wallet
Store, send, and receive digital assets. Uses Fireblocks for custody and Alchemy for blockchain RPC.
Regulatory compliance (regtech) tool
Automate KYC, AML, and reporting. Integrates with ComplyAdvantage and Jumio for identity verification.
Personal finance management (PFM) app
Track spending, set budgets, and forecast cash flow. Uses Plaid for transaction data and MX for account aggregation.
We build for every business type.
Payments and transfers
Lending and credit
Investing and wealth
Banking and accounts
Insurance and compliance
Fintech project estimation by the numbers
Our estimates come from building 200+ fintech products across 50+ countries.
Every fintech project estimation at IRPR starts with a 2-week Roadmap phase. We define the scope, choose the tech stack, and lock the price. No scope creep. No surprise invoices.
Our average fintech MVP ships in 12 weeks. The starting price is $80K for a simple payment integration. Complex platforms with multi-currency, compliance, and reporting run up to $250K.
How IRPR estimates fintech projects vs. generic dev shops
Most fintech project estimates from generic shops miss compliance, security, and integration costs.
Generic dev shops estimate based on screens and features. They forget PCI-DSS audits, SOC 2 reports, and third-party API costs. You end up with a quote that doubles by launch.
IRPR builds compliance into every fintech project estimation from day one. Our Roadmap phase identifies every integration, every audit requirement, and every security control before we write code.
- Estimates based on screen count only
- Ignores compliance audit costs
- Assumes no third-party API fees
- Uses hourly billing with no cap
- Discovers scope gaps mid-build
- Delivers 4-6 months late
- Estimates based on full technical scope
- Includes PCI-DSS and SOC 2 audit prep
- Quotes third-party API costs upfront
- Fixed price after Roadmap phase
- Scope locked before development starts
- Delivers on time 98% of projects
The 4-phase fintech project estimation process
Every fintech project at IRPR follows this exact process.
We do not guess. We follow a repeatable 4-phase process that produces accurate estimates every time. Each phase delivers a concrete output that feeds the next.
By the end of phase 2, you have a fixed price, a delivery date, and a compliance checklist. No ambiguity. No hidden costs.
What ships with your fintech project estimation
Every fintech project from IRPR includes these deliverables by default.
When you get a fintech project estimation from IRPR, you know exactly what ships. No hidden line items. No optional add-ons that become mandatory.
Everything listed below is included in the fixed price. You own it all from day one.
- Source code in your private GitHub repo
- CI/CD pipeline on GitHub Actions with automated tests
- Deployed infrastructure on AWS with autoscaling
- PCI-DSS compliant architecture (if handling cards)
- SOC 2 Type II evidence collection scripts
- Sentry error tracking and performance monitoring
- Stripe or Plaid integration (your choice)
- User authentication via Auth0 or Clerk
- Admin dashboard with usage analytics
- Compliance documentation for your first audit
What we ship in this practice.
Payment gateway for a remittance startup
Built a multi-currency payment gateway that processes $2M per month. Integrated with Stripe Connect for payouts and Plaid for bank verification. Reduced failed transactions by 40%. Stack: Next.js, Node.js, AWS Lambda, Stripe.
Loan management system for a small business lender
Built a loan origination and servicing platform that handles 500 applications per month. Automated underwriting using Experian API and Plaid. Reduced manual data entry by 8 hours per week. Stack: React, Python, PostgreSQL, AWS.
Investment dashboard for a wealth management firm
Built a portfolio management dashboard with real-time data from Alpaca API. Handles $50M in assets under management. Reduced report generation time from 3 days to 15 minutes. Stack: Vue.js, Go, TimescaleDB, AWS.
Neobank app for a fintech startup
Built a digital banking app with checking accounts, debit cards, and bill pay. Used Synapse for banking-as-a-service and Plaid for account linking. Launched in 14 weeks with full PCI-DSS compliance. Stack: React Native, Node.js, MongoDB, AWS.
Insurtech platform for a health insurance marketplace
Built a quote-and-bind platform for health insurance brokers. Integrates with Guidewire for policy management and Jumio for identity verification. Reduced quote time from 2 hours to 10 minutes. Stack: Next.js, Python, DynamoDB, AWS.
KYC/AML compliance tool for a crypto exchange
Built an automated KYC and AML screening platform that processes 1000 verifications per day. Integrates with ComplyAdvantage for sanctions screening and Jumio for document verification. Reduced manual review by 70%. Stack: React, Go, PostgreSQL, AWS.
Why teams hire us.
Fixed price, not hourly billing
Every fintech project gets a fixed quote after the 2-week Roadmap phase. No hourly billing. No surprise invoices. The price you see is the price you pay.
Compliance built in from day one
We build to PCI-DSS, SOC 2, and HIPAA standards from the first line of code. Your fintech product passes audit without rework. We have shipped 50+ compliant products.
12-week average delivery
Our average fintech MVP ships in 12 weeks. We use 2-week sprints with working software every iteration. 98% of our projects deliver on time.
Senior engineers only
Every IRPR engineer has 10+ years of experience. No juniors. No offshore teams. Your project is built by engineers who have shipped fintech products before.
Full ownership of code and infrastructure
You own the source code, CI/CD pipelines, and cloud infrastructure from day one. No license fees. No lock-in. You can take the product anywhere.
200+ products shipped across 50+ countries
We have built fintech products for startups and enterprises in 50+ countries. We know the regulations, the payment rails, and the integration patterns that work.
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.