Fintech Web Development ExpertsWeb Development
We build secure, compliant fintech web apps. You get a working product in 8-12 weeks with full source code ownership.
IRPR is a team of senior fintech web development experts. We build web applications using Node.js, React, Python, PostgreSQL, and cloud services like AWS and Azure. Every project starts with a clear roadmap and ends with production-ready code.
Your fintech web app ships in 8-12 weeks. Pricing is fixed: from $80,000 to $250,000 depending on scope. We handle PCI-DSS compliance, SOC 2 controls, and HIPAA requirements when needed. You get a fully functional MVP, not a prototype.
We work with fintech founders who need a secure payment platform, compliance officers who want automated KYC/AML tools, and bank executives who require a white-label digital banking portal. If you need a fintech web app that passes regulatory audits, we can build it.
Types of software we ship.
Payment Gateway Web App
Process transactions with Stripe, Braintree, or custom processor integrations. Handles PCI-DSS level 1 compliance.
Digital Banking Platform
Full-featured online banking with Plaid integration for account aggregation, ACH transfers, and real-time balance updates.
Trading & Investment Platform
Real-time stock/ETF trading with Alpaca API, charting libraries like TradingView, and portfolio rebalancing algorithms.
Lending & Loan Origination System
Automated underwriting with credit scoring APIs (Experian, TransUnion), loan calculators, and document verification.
KYC/AML Compliance Dashboard
Identity verification using Onfido or Jumio, watchlist screening, and automated suspicious activity alerts.
Personal Finance Management App
Budget tracking, expense categorization, and goal tracking with Plaid data sync and machine learning predictions.
Robo-Advisor Web App
Automated portfolio management with Modern Portfolio Theory, rebalancing triggers, and fractional shares via Apex Clearing.
Crypto Wallet & Exchange Platform
Multi-currency wallet with blockchain integration (Ethereum, Bitcoin), cold storage, and real-time price feeds.
We build for every business type.
payment solutions
banking and lending
insurance (insurtech)
investment and wealth
compliance and security
Why hire fintech web development experts?
Fintech apps require more than code. They need security, compliance, and reliability from day one.
Regulators demand PCI-DSS for payments, SOC 2 for data security, and often state-specific money transmission licenses. Generic web developers miss these requirements, causing project delays and rework. As fintech web development experts, we bake compliance into every sprint from the start.
We have shipped 200+ products across 50 countries. Our experience includes building for neobanks, payment processors, and crypto exchanges that passed audits on the first try. This is not theoretical -- we have done it many times.
How we differ from generic fintech agencies
Most agencies quote hourly, miss deadlines, and leave compliance as an afterthought. IRPR does the opposite.
A typical process: you pay per hour, the scope changes, you stress about budget. Then at launch the auditors flag missing logs or encryption gaps. You pay more to fix it. That is the generic dev shop experience.
At IRPR, we fix the price after a two-week Roadmap phase. You see every requirement, every compliance control, and every integration before we write production code. No surprises.
- Hourly billing with no cap
- Unclear security posture until launch
- Junior or offshore developers
- Scope creep without change orders
- No compliance documentation delivered
- Shared ownership of codebase
- Fixed price agreed before coding starts
- PCI-DSS and SOC 2 built into architecture
- Senior engineers only, US timezone overlap
- Scope changes shown with clear cost impact
- Compliance playbook delivered with the code
- You own the full source code from day one
Our process for building your fintech web app
From your idea to a production-ready product in four structured phases. No wasted time, no assumptions.
We start with a two-week Roadmap to define user stories, data model, compliance requirements, and third-party integrations. You get a fixed price and a clear timeline before any code is written.
Then we build the MVP in 8-12 weeks using an agile approach. Every two weeks you see a working demo. After release we support you with maintenance, scaling, and feature additions as you grow.
What ships with your fintech web app
Every deliverable is designed to pass audits, scale with users, and be maintainable by your team.
We do not just send you a zip file. You get a complete deployment with monitoring, error tracking, and CI/CD pipelines. Your internal team can take over immediately if needed.
- Source code in your private GitHub repository
- CI/CD pipeline on GitHub Actions or GitLab CI
- Sentry error tracking and performance monitoring
- Datadog or CloudWatch dashboards for uptime and latency
- Automated security scans (SAST, SCA) integrated into build
- PCI-DSS logging and audit trail documentation
- PostgreSQL database with automated backups
- Deployment on AWS or Azure with infrastructure as code (Terraform)
- User authentication with OAuth 2.0, MFA, and session management
- API documentation (OpenAPI 3.0) and integration guide
What we ship in this practice.
Payment gateway for a subscription platform
We built a PCI-DSS Level 1 compliant payment gateway that processes recurring billing for SaaS customers. The app reduced transaction failure rate by 40% using smart retry logic and Stripe Connect. Tech stack: Node.js, React, PostgreSQL, Stripe, Redis.
Digital banking portal for a credit union
We developed a white-label online banking platform supporting ACH transfers, bill pay, and check deposit via mobile capture. The credit union onboarded 15,000 members in the first quarter. Tech stack: Python, React Native (web app), Plaid, AWS Lambda, SOC 2 controls.
KYC/AML dashboard for a crypto exchange
We created an automated identity verification and watchlist screening web app that cut manual review time by 85%. The platform passed a FINRA audit without issues. Tech stack: React, Django, Onfido, Elasticsearch, Celery.
Robo-advisor for an investment firm
We built an automated portfolio management web app using Modern Portfolio Theory. The firm manages over $50M in assets and reduced advisor time per client by 70%. Tech stack: Next.js, Python, Apex Clearing API, PostgreSQL, Redis.
Lending platform for an online lender
We delivered a loan origination system that integrates with Experian and TransUnion for credit scoring. The platform processes 500+ applications per day with 98% accuracy in automated decisions. Tech stack: React, Node.js, MongoDB, AWS DocumentDB, DocuSign.
Personal finance management app for a bank
We developed a budgeting and savings goal tracker that increased user engagement by 60% and decreased churn by 25%. The app uses Plaid to aggregate 10,000+ financial institutions. Tech stack: React, Go, PostgreSQL, Plaid, Redis.
Why teams hire us.
Fixed price, not hourly
Every fintech project gets a fixed quote after the two-week Roadmap phase. No hourly billing, no surprise invoices, no scope creep charges. You know the cost before we write a line of code.
Senior engineers with fintech experience
Our team averages 10+ years of experience. Every engineer has shipped a PCI-DSS or SOC 2 compliant app before. You do not train juniors on your dime.
8-12 week MVP guarantee
We deliver a working, production-ready MVP in 8-12 weeks. Not a prototype, not a demo -- a live app you can show to customers and investors. 98% of our projects deliver on time.
Full code and IP ownership
You own every line of code we write. No licenses, no royalties, no locked-in maintenance. The source code lives in your repository from sprint one.
Security-first architecture
We implement PCI-DSS and SOC 2 controls from the start. Automated SAST/DAST scans run on every build. You get a compliance playbook to pass audits fast.
Async-first communication
We work across time zones using daily async updates (Slack, Linear). No mandatory standups. We are available for calls when needed, but most decisions happen in writing so you have a record.
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.