Hire Fintech DevelopersFintech Developers
Build compliant fintech products with senior engineers. 8-12 week MVPs with fixed pricing.
IRPR builds fintech applications using React, Node.js, Python, and AWS. We handle payment processing, KYC/AML, and data encryption with PCI-DSS and SOC 2 compliance built in.
We ship production-ready fintech MVPs in 8-12 weeks. Pricing ranges from $80K to $250K fixed. Every project includes automated testing, CI/CD, and security audits.
We work with fintech founders, CTOs of payment startups, compliance officers at lending platforms, and product managers at neobanks. Each client gets a dedicated senior team.
Types of software we ship.
Payment gateway
Process transactions with Stripe, Braintree, or Adyen. Includes fraud detection and recurring billing.
Lending platform
Automate underwriting with Plaid, Experian, and custom risk models. Supports personal, business, and peer-to-peer loans.
Digital wallet
Store funds, send money, and manage cards. Integrates with Apple Pay, Google Pay, and bank APIs.
Trading platform
Real-time market data, order execution, and portfolio management. Built with WebSockets, Redis, and AWS Fargate.
Personal finance app
Track spending, set budgets, and get insights. Connects to Plaid, Yodlee, and open banking APIs.
Insurance tech (InsurTech)
Quote, bind, and manage policies. Integrates with Guidewire, Salesforce, and claims APIs.
RegTech compliance tool
Automate AML checks, KYC verification, and reporting. Uses Onfido, Jumio, and AWS Lambda.
Crowdfunding platform
Raise capital with equity, rewards, or donations. Handles payment splitting, investor verification, and SEC compliance.
We build for every business type.
Banking
Payments
Lending
Wealth Management
Insurance
Why hire fintech developers from IRPR
We ship fintech products that pass audits and scale to millions of users.
Every fintech project at IRPR starts with a fixed-price Roadmap phase. In week 2 you get a detailed plan, wireframes, and a firm quote. No hourly billing, no surprises.
Our senior engineers have built payment systems for companies in New York, London, and Singapore. We use PCI-DSS Level 1 compliant infrastructure on AWS and Azure.
The difference between generic dev shops and IRPR
Most agencies treat fintech like any other app. We treat compliance as a feature.
Generic dev shops use hourly billing and junior developers. They often skip security audits and compliance documentation. That leads to failed PCI-DSS assessments and costly rework.
IRPR assigns senior engineers only. We build compliance into every sprint. Your app ships with SOC 2 reports, penetration testing results, and a full security checklist.
- Hourly billing with no cap
- Junior developers learning on your project
- No PCI-DSS or SOC 2 expertise
- No security audit included
- Code ownership unclear
- 6-9 month delivery for an MVP
- Fixed price from the Roadmap phase
- Senior engineers with 10+ years experience
- PCI-DSS and SOC 2 compliance built in
- Penetration testing and security audit included
- Full code ownership from day one
- 8-12 week MVP delivery
How we build your fintech product
A repeatable 4-phase process that de-risks your investment.
We start with a 2-week Discovery phase to understand your market, users, and compliance requirements. Then we move to Roadmap where we produce a fixed-price plan.
The Build phase runs in 2-week sprints with continuous deployment. You see working software every sprint. Release includes load testing, security review, and production launch.
What ships with your fintech MVP
Every project includes these deliverables by default.
You get a production-ready application with all source code, infrastructure as code, and monitoring. No hidden fees or post-launch surprises.
We also provide a compliance package: PCI-DSS self-assessment questionnaire, SOC 2 Type II report, and penetration test results.
- Source code in your private GitHub repo
- CI/CD pipeline on GitHub Actions or GitLab CI
- Sentry error tracking and performance monitoring
- AWS or Azure infrastructure with Terraform
- PCI-DSS Level 1 compliant architecture
- SOC 2 Type II report from a certified auditor
- Penetration test report from a third-party firm
- User documentation and API reference
- Load test results (1000+ concurrent users)
- Post-launch support for 30 days
What we ship in this practice.
Payment gateway for a remittance startup
Built a multi-currency payment gateway using Stripe Connect and AWS Lambda. Reduced transaction cost by 30% and achieved PCI-DSS Level 1 compliance in 10 weeks.
Lending platform for a fintech lender
Developed an automated underwriting system with Plaid, Experian, and custom ML models. Cut loan approval time from 3 days to 2 hours. Tech stack: Python, PostgreSQL, React.
Digital wallet for a neobank
Created a mobile wallet with Apple Pay, Google Pay, and real-time balance updates. Handles 50,000 transactions per day with 99.99% uptime. Built with React Native and Node.js.
Trading platform for a crypto exchange
Built a real-time order book and trading engine using WebSockets, Redis, and AWS Fargate. Supports 100,000 orders per second with sub-millisecond latency.
Personal finance app for a fintech startup
Developed a budgeting and savings app that connects to 10,000+ banks via Plaid. Users save an average of $200/month. Tech stack: React, Node.js, PostgreSQL.
RegTech compliance tool for a payments company
Automated KYC/AML checks using Onfido and Jumio. Reduced manual review time by 80% and passed SOC 2 audit in 12 weeks. Built with Python and AWS Lambda.
Why teams hire us.
Fixed price, not hourly
Every project gets a fixed quote in the Roadmap phase (week 2). No hourly billing, no surprise invoices, no scope creep charges.
Senior engineers only
We hire senior engineers with 10+ years of experience. No juniors, no offshore teams. Every developer has built fintech products before.
Compliance built in
PCI-DSS, SOC 2, and GDPR are part of every sprint. We include penetration testing and security audits in the fixed price.
8-12 week MVPs
We ship production-ready fintech products in 8-12 weeks. Our record is 6 weeks for a payment gateway MVP.
Full code ownership
You own all source code, infrastructure scripts, and documentation from day one. No licensing fees or vendor lock-in.
Post-launch support
We provide 30 days of post-launch support at no extra cost. After that, we offer maintenance at a fixed monthly rate.
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.