Top Fintech Development CompaniesDevelopment Companies
We build compliant fintech products for startups and enterprises. 200+ products shipped with fixed pricing and 8-12 week MVPs.
IRPR builds fintech products for startups, banks, and insurance companies. We use React, Node.js, PostgreSQL, and cloud infrastructure on AWS to deliver compliant financial applications.
Every project ships in 8-12 weeks for the MVP. Pricing is fixed based on scope: $80,000 to $250,000 depending on complexity. All projects meet PCI-DSS or SOC 2 standards from day one.
We work with fintech startup founders who need an MVP in 12 weeks, banking product managers migrating legacy systems, insurance CTOs launching new digital products, and lending platform CEOs scaling their operations.
Types of software we ship.
Payment gateway
Process Visa, Mastercard, ACH, and wallets. Integrate Stripe, Adyen, or Braintree with custom fraud rules.
Digital wallet
Store balances, send money, reload via cards or bank transfers. Uses Plaid for account linking.
Lending platform
Originate loans, underwrite with custom scoring, collect payments. Built on React, Node.js, and AWS Lambda.
Robo-advisor
Automated portfolio management with rebalancing. Integrates with Alpaca or IEX Cloud for market data.
Insurtech app
Quote, bind, and manage policies. Uses Salesforce integration and document generation with DocuSign.
Neobanking app
Virtual checking accounts, debit cards, budgeting tools. Built with Flutter, Stripe Issuing, and Auth0.
KYC / AML compliance tool
Verify identities, screen sanctions, and monitor transactions. Integrates with Onfido and ComplyAdvantage.
Financial data aggregator
Pull account balances and transactions from 10,000+ institutions. Uses Plaid, Finicity, and Yodlee.
We build for every business type.
Banking & Lending
Payments & Transfers
Insurance & Risk
Wealth & Asset Management
Compliance & Security
Why fintech startups and banks choose IRPR
Our track record speaks for itself.
We have shipped over 200 fintech products across 50 countries. Every project is delivered on time with fixed pricing and full compliance.
Our engineers have experience with PCI-DSS, SOC 2, and GDPR. We build security into every layer of the application from the start.
IRPR vs generic development shops
The difference is in the details.
Most dev shops treat fintech like any other app. They ignore compliance, overrun on hours, and leave you with unclear ownership.
IRPR treats compliance as a feature. We deliver on time, on budget, and you own every line of code.
- No fintech compliance experience
- Hourly billing with overruns
- No fixed timeline
- Code ownership unclear
- No post-launch support
- Limited tech stack
- PCI-DSS and SOC 2 compliant from day one
- Fixed price from Roadmap phase (week 2)
- 8-12 week MVP delivery guarantee
- Full code ownership in your repo
- Sentry monitoring included for 30 days after launch
- Senior engineers only - no juniors
Our fintech development process
Four phases from idea to production.
We follow a structured path that keeps your project on track. Every phase has clear deliverables and a fixed price.
Compliance is reviewed at each stage so you never have to backtrack.
What ships with your fintech project
Everything you need to go live.
Every fintech project includes these deliverables by default, with no hidden costs.
- Source code in your GitHub repo (full ownership)
- CI/CD pipeline with GitHub Actions
- Sentry error tracking with alerts
- Automated unit and integration tests (80%+ coverage)
- Deployment to AWS/GCP with 99.9% uptime SLA
- Swagger API documentation
- Security audit report (PCI-DSS or SOC 2)
- Post-launch support for 30 days
- Handover training session with your team
- Performance and load testing report
What we ship in this practice.
Peer-to-peer lending platform
Scaled to 10,000 users in 3 months with loan origination, underwriting, and payment processing. Built with React, Node.js, PostgreSQL, Plaid, and Stripe. Reduced manual approval time by 80%.
Neobank mobile app
Launched with virtual cards, budgeting, and real-time transactions. Used Flutter, AWS Lambda, Stripe Issuing, and Auth0. Acquired 5,000 users in the first month.
Insurance quote engine
Quotes for auto and home insurance in under 60 seconds. Integrated with Salesforce and DocuSign. Cut customer acquisition cost by 35%.
Robo-advisor for wealth management
Automated portfolio rebalancing and tax-loss harvesting. Integrated with Alpaca and IEX Cloud. Managed $50M in assets within 6 months.
KYC/AML compliance dashboard
Real-time identity verification and sanctions screening for a remittance company. Used Onfido and ComplyAdvantage. Reduced false positives by 40%.
Digital wallet for remittances
Sent money to 20 countries with 0.5% fees. Built on React Native, Node.js, and Plaid. Processed $2M in transactions in the first quarter.
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.
Compliance from day one
We build with PCI-DSS and SOC 2 controls from the first line of code. You don't need to retrofit compliance after launch.
Senior engineers only
We do not hire juniors or outsource. Every engineer has 7+ years of experience and has shipped fintech products before.
200+ fintech products shipped
We have delivered more than 200 fintech applications across banking, lending, insurance, and payments. Our track record is proven.
8-12 week MVP guarantee
We ship a working MVP in 8-12 weeks. If we are late, you do not pay for the delay. Every milestone is fixed.
Full code ownership
You own the entire codebase from day one. All source code is in your GitHub repository with a standard open-source license.
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.