Hire Fintech Development AgencyDevelopment Agency
We build PCI-DSS compliant Fintech apps in 8-12 weeks. Fixed price, no hourly billing, full code ownership.
When you hire a Fintech development agency like IRPR, you get a team that builds payment systems, lending platforms, and investment apps with strict compliance. We use React, Node.js, Python, PostgreSQL, and AWS to ship production-ready software.
IRPR delivers your Fintech MVP in 8-12 weeks with fixed pricing between $80K and $250K. Every project meets PCI-DSS Level 1 standards and includes SOC 2 type II controls. You get full source code, CI/CD pipelines, and 99.9% uptime SLAs.
Fintech founders hire us to build their first product. Banks hire us to modernize legacy systems. Lending companies hire us to automate underwriting. Payment processors hire us to integrate with Stripe, Plaid, and Dwolla.
Types of software we ship.
Payment processing platform
Process credit cards, ACH, and wire transfers with Stripe or Adyen. Includes PCI-DSS compliance and fraud detection.
Lending and credit management system
Automate loan origination, underwriting, and servicing with Plaid and Experian integrations. Built for personal and business loans.
Investment and trading platform
Build a brokerage or robo-advisor with real-time market data from Polygon.io or Alpha Vantage. Supports fractional shares and ETFs.
Personal finance management app
Help users track spending, set budgets, and connect bank accounts via Plaid or Yodlee. Includes financial goal tracking.
Insurance technology platform
Digitize policy quoting, underwriting, and claims management. Integrates with Guidewire or Duck Creek for core systems.
Regulatory compliance and reporting tool
Automate KYC, AML checks, and regulatory filings using ComplyAdvantage or Jumio. Built for money transmitters and banks.
Blockchain and crypto wallet
Build a non-custodial wallet or crypto exchange with Ethereum and Solana support. Includes smart contract auditing.
B2B payments and invoicing system
Simplify vendor payments, invoice generation, and reconciliation with QuickBooks and Xero integrations. Supports ACH and wire transfers.
We build for every business type.
lending companies
payments and transfers
wealth management
banking and insurance
compliance and data
Why hire a Fintech development agency with compliance experience
Fintech products require PCI-DSS, SOC 2, and data privacy compliance from day one.
IRPR has shipped over 200 products, each with compliance built into the architecture. We use AWS GovCloud and Azure Government for regulated workloads. Every deployment includes encryption at rest and in transit, audit logging, and role-based access controls.
Our engineers hold certifications in AWS Security, PCI-DSS, and SOC 2. We write code that passes third-party penetration testing. The average Fintech MVP we deliver passes its first security audit within two weeks of launch.
How IRPR differs from generic development shops
Most agencies bill hourly and deliver late. IRPR works differently.
When you hire a Fintech development agency that charges by the hour, scope creep and budget overruns are common. The agency has no incentive to finish fast. Code quality suffers because speed is not rewarded.
IRPR uses a fixed price model. We agree on scope in week 2 during the Roadmap phase. The price does not change unless you add features. We deliver in 8-12 weeks or we discount your next sprint.
- Hourly billing with no cap
- No compliance expertise
- Unclear timeline estimates
- Junior developers on your project
- No post-launch support
- Code ownership unclear
- Fixed price agreed in Roadmap phase
- PCI-DSS and SOC 2 built in from day one
- 8-12 week delivery with 98% on-time
- Senior engineers only with 10+ years experience
- 30 days free support after launch
- Full source code ownership
Our process when you hire a Fintech development agency
We follow a four-phase process that starts with a clear roadmap and ends with a live product.
The Idea phase takes 1-2 weeks. We review your concept, market, and compliance requirements. We give you a project brief with technical feasibility and cost estimates.
The Roadmap phase takes 1 week. We produce a detailed specification with user stories, wireframes, and a fixed price. You approve before any code is written.
What ships with your Fintech MVP
When you hire IRPR, you get more than just code.
Every project includes a production-ready deployment on AWS or Azure. We set up CI/CD pipelines with GitHub Actions, monitoring with Datadog, and error tracking with Sentry. You also get a 30-day free support period after launch.
All code is written by senior engineers with 10+ years of experience. We use TypeScript, React, Node.js, PostgreSQL, and Redis. Every line is peer reviewed and tested.
- Source code in your GitHub repo
- CI/CD pipeline on GitHub Actions
- Production deployment on AWS or Azure
- Sentry error tracking
- Datadog monitoring and alerts
- PCI-DSS compliance documentation
- Postman API collection
- User documentation and admin guide
- 30 days free post-launch support
- Full code ownership with no licensing fees
What we ship in this practice.
Peer-to-peer lending platform
Built a P2P lending app that connects borrowers with investors. Reduced loan approval time from 2 weeks to 48 hours. Tech stack: React, Node.js, PostgreSQL, Plaid, Stripe.
Digital wallet for remittances
Created a multi-currency wallet that processes cross-border transfers in 30 seconds. Integrated with Wise and SWIFT. Tech stack: React Native, Node.js, MongoDB, AWS Lambda.
Robo-advisor for retirement planning
Developed an automated investment platform that manages $50M in assets. Uses Modern Portfolio Theory algorithms. Tech stack: Python, Django, PostgreSQL, Alpha Vantage, AWS.
Neobank for small businesses
Built a digital bank with business checking, savings, and lending. Integrated with Plaid for account linking and Stripe for card issuing. Tech stack: React, Node.js, PostgreSQL, AWS.
Insurance claims automation platform
Created a system that processes auto insurance claims in 24 hours using computer vision. Reduced manual review by 70%. Tech stack: React, Python, TensorFlow, PostgreSQL, Docker.
Regulatory reporting tool for money transmitters
Built a compliance dashboard that auto-generates SAR and CTR reports. Reduces filing time from 4 hours to 20 minutes. Tech stack: React, Node.js, PostgreSQL, ComplyAdvantage, AWS.
Why teams hire us.
Fixed price, not hourly billing
Every project gets a fixed quote in the Roadmap phase (week 2). No hourly billing, no surprise invoices, no scope creep charges. The price you see is the price you pay.
PCI-DSS compliance built in from day one
We design every Fintech app to meet PCI-DSS Level 1 standards. Our code passes third-party penetration tests. You get compliance documentation with your deployment.
Senior engineers only, no juniors
IRPR hires engineers with 10+ years of experience. Every developer has shipped at least 3 production Fintech apps. You never get junior developers learning on your project.
8-12 week delivery with 98% on-time rate
We deliver your Fintech MVP in 8-12 weeks. 98% of our projects ship on time. If we miss a deadline, we discount your next sprint.
Full code ownership and no lock-in
You own all source code, documentation, and infrastructure configurations from day one. No licensing fees, no vendor lock-in, no recurring payments to IRPR.
30 days free post-launch support
After launch, we provide 30 days of free support for bug fixes and minor tweaks. We monitor uptime with Datadog and respond to incidents within 1 hour.
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.