How Much Does Fintech Development CostDevelopment Cost
A fintech MVP costs $80K to $250K with IRPR. You get a fixed price in week 2, not hourly bills.
IRPR builds fintech software that handles payments, lending, and compliance. We use React, Node.js, Python, AWS, and Stripe to ship production-ready apps.
A fintech MVP ships in 12 weeks with a fixed price of $80K to $250K. Every project meets PCI-DSS Level 1 and SOC 2 Type II standards from day one.
We work with fintech founders who need a compliant MVP, banks launching digital products, payment companies scaling to new regions, and insurance startups replacing legacy systems.
Types of software we ship.
Payment processing platform
Process credit cards, ACH, and crypto with Stripe or Plaid. Includes fraud detection and reconciliation.
Lending and credit software
Automate loan origination, underwriting, and servicing. Integrates with Experian and TransUnion APIs.
Crypto wallet and exchange
Build non-custodial wallets or custodial exchanges with blockchain integration for Bitcoin and Ethereum.
Trading and investment platform
Real-time stock or crypto trading with Alpaca or Polygon data feeds. Supports order execution and portfolio management.
Personal finance management app
Connect bank accounts via Plaid or Yodlee. Features budgeting, savings goals, and transaction categorization.
Insurance technology (InsurTech)
Quoting, policy management, and claims processing with compliance to NAIC standards. Uses AWS Lambda for scalability.
Regulatory compliance (RegTech) platform
Automate KYC/AML checks with Onfido or Jumio. Generate audit trails for SOC 2 and GDPR.
Banking as a Service (BaaS) middleware
White-label banking APIs using Synapse or Dwolla. Supports KYC, account creation, and ACH transfers.
We build for every business type.
Banks and credit unions
Fintech startups
Insurance companies
Investment and wealth firms
Ecommerce and payment companies
Fintech Development Cost Breakdown
Fintech development cost depends on features, compliance scope, and integrations.
A simple payment gateway with Stripe integration and basic PCI-DSS compliance starts at $80K. A full lending platform with AI underwriting and SOC 2 can reach $250K. Every quote is fixed after the Roadmap phase (week 2).
We include security audits, penetration testing, and compliance documentation in every fintech project. No add-on fees. You know the total cost before we write a line of production code.
How Our Pricing Compares
Fixed price, no hourly tricks. Your fintech project costs what we quote in week 2.
Generic agencies change scope and charge hourly. IRPR gives a fixed price for the full scope after a 2-week Roadmap. If you add features later, we quote that new piece separately.
We have shipped 200+ products for fintech clients including payment processors, lending platforms, and compliance tools. Every project includes 30 days of post-launch support.
- Hourly billing with no cap
- No compliance expertise (PCI, SOC 2)
- Timelines slip by 3-6 months
- Code ownership unclear
- No security audit included
- You pay for their learning curve
- Fixed price from roadmap phase
- PCI-DSS Level 1 and SOC 2 built in
- 8-12 week MVP consistently
- Full source code ownership
- Penetration testing included
- Senior engineers only, 8+ years experience
Our 4-Step Fintech Development Process
From idea to compliant release in 12 weeks. No surprises.
We use a proven 4-step framework: Idea, Roadmap, Product, Release. Each step delivers a concrete artifact before moving to the next.
The Roadmap phase is a paid design sprint that produces a fixed price quote, architecture diagram, and compliance checklist. After you approve, we build in 8-week sprints.
What Ships with Your Fintech Product
Everything you need to launch and maintain a compliant fintech app.
- Source code in your private GitHub repo
- CI/CD pipeline with GitHub Actions
- Dockerized deployment on AWS ECS or Kubernetes
- PCI-DSS Level 1 compliance documentation
- SOC 2 Type II audit-ready evidence
- Stripe or Plaid integration with test accounts
- Sentry error tracking and PagerDuty alerts
- API documentation (OpenAPI/Swagger)
- Admin dashboard with user management
- 30-day post-launch support and bug fixes
What we ship in this practice.
Payment gateway for a neobank
Built a custom payment gateway on AWS using Node.js and Stripe Connect. Handles 10,000 transactions/day with 99.9% uptime. Reduced transaction failure rate from 5% to 0.5%.
Lending platform for a fintech startup
Developed an auto loan origination system with Plaid for income verification and TransUnion for credit scoring. Cut loan approval time from 5 days to 2 hours. 12-week MVP.
Crypto wallet for a blockchain startup
Built a non-custodial wallet supporting Bitcoin and Ethereum using web3.js and MetaMask SDK. Achieved SOC 2 Type II compliance in 6 months. 50,000 active users in first year.
InsurTech claims portal for a P&C insurer
Replaced legacy claims system with a React frontend and Python microservices. Automated 70% of claims processing using AWS Step Functions. Saved $2M/year in operational costs.
RegTech KYC/AML dashboard for a payment company
Integrated Onfido for identity verification and Jumio for document checks. Reduced manual review by 90%. Handles 5,000 verifications per hour during peak.
Investment platform for a robo-advisor
Built a portfolio management system with Alpaca API for trade execution. Features risk profiling and automated rebalancing. AUM grew from $10M to $50M in 9 months.
Why teams hire us.
Fixed price, not hourly
Every fintech project gets a fixed quote in the Roadmap phase (week 2). No hourly billing, no surprise invoices, no scope creep charges.
Compliance built in from day one
We use PCI-DSS and SOC 2 compliant infrastructure from the first commit. No retrofitting security later.
Senior engineers only
Our team has 8+ years average experience. No junior devs learning on your budget. Every engineer has shipped production fintech systems.
200+ products shipped
We have delivered over 200 custom software projects including fintech apps for banks, lenders, and payment companies. Every launch is documented.
12-week MVP guarantee
From Roadmap approval to production launch is 8-12 weeks. We hold to that timeline over 98% of the time.
Full code ownership
You own all source code, architecture docs, and deployment scripts. No lock-in. You can take the product anywhere after launch.
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.