Who this category is for
Financial software differs from an ordinary business application because every defect has a monetary or legal dimension: a payment booked twice, an instalment rounded the wrong way, a credit decision nobody can explain. This category is for teams that accept that responsibility and have someone who owns the regulatory model.
- Fintech start-ups working with a licensed partner — a payment provider, a banking-as-a-service bank or an e-money institution.
- Companies adding financial features to an existing platform: marketplace seller payouts, B2B invoice payments, subscriptions, embedded finance.
- Finance teams and accounting firms that need planning, reporting and cash-flow forecasting beyond spreadsheets.
- Lenders, leasing companies and distributors offering trade credit that want a structured risk assessment and decision process.
- Projects with an on-chain component that already hold a legal assessment of their asset custody model.
Four product types
Payment applications
Checkout journeys, subscriptions, refunds and settlement reconciliation built on a licensed provider. Card data never reaches your application, and every payment status is confirmed by signed notifications.
Financial dashboards and budgeting apps
Planning, budget-versus-actual, scenarios and forecasts based on data from banks and accounting systems. Every figure shows its source and the formula that produced it.
Credit scoring software
A decision engine combining data validation, credit-policy rules, a scoring model, reason codes and a manual review queue. Your risk team approves the model and policy; the system executes and documents them.
Blockchain and crypto wallet applications
Wallets, blockchain network integrations, registries and smart contracts designed around an explicitly documented key-custody model. Smart contracts go through an independent audit before mainnet deployment.
Who owns what: technology versus regulation
The most common mistake in fintech projects is assuming the software will take care of licensing. That is why discovery produces a written responsibility map.
On our side
- architecture, code, tests and technical documentation;
- integrations with licensed providers of payments, banking data, KYC and custody;
- audit trail, access control, encryption and monitoring;
- support for your advisers in turning requirements into specific features.
On the side of your company and partners
- licences and registrations (for example payment institution, lender, crypto-asset service provider) — in Poland usually involving the KNF;
- KYC/AML policies, credit policy and risk acceptance;
- contracts with banks, providers and customers, plus terms of service;
- legal opinion on the rules of the target market.
Frameworks that most often appear in the specification: PSD2 and strong customer authentication (SCA), PCI DSS, AML/KYC rules, GDPR, MiCA for crypto-assets, DORA for financial entities and their ICT suppliers, and the AI Act when assessing the creditworthiness of individuals. We list them as points to verify, not as legal advice.
Shared engineering foundations
Whatever the product type, we apply a few rules in financial software that later save many hours of chasing discrepancies.
- No floating-point money. Amounts in minor units or decimal types, explicit rounding rules and a currency stored with every amount.
- Append-only records instead of overwrites. Balances are derived from immutable entries, and where the product keeps internal balances we use double-entry bookkeeping.
- Idempotency. A repeated request or a duplicate provider notification can never create a second payment or a second decision.
- Reconciliation as a feature, not an ad-hoc report. The system compares its own records with provider settlements every day and lists differences to resolve.
- Four-eyes approval for sensitive operations: manual adjustments, refunds above a limit, changes to decision rules.
- Time zones and cut-off times built into the calculation of periods, interest and settlement windows.
The technology follows your stack: backends most often in .NET, Node.js, Java, Python or Go, PostgreSQL as the transactional database, a message queue for event processing, a React/Next.js or Vue front end, and native or cross-platform mobile apps.
How to plan the first release
The first version should prove one money flow or one decision, not the whole target product. Examples of a well-defined scope:
- paying for an order with one method in one market, including refunds and daily reconciliation;
- budget versus actual for one legal entity with data from one accounting system;
- scoring for one credit product, first run in shadow mode alongside the current process;
- a wallet for one blockchain network with transaction limits and monitoring.
Additional markets, payment methods or models come once the core flow runs correctly in production. Timelines depend mostly on the number of integrations, the availability of partner sandboxes and how quickly your legal and risk owners make decisions.
Budget and costs outside the quote
Products in this category are priced against the high-complexity or regulated software anchor: from $12,000 excluding VAT. A project starts with discovery and a technical specification ($490–$1,500), and the proposal comes in three options: Essential, Recommended and Scale. You can choose fixed scope after discovery, time and materials, or dedicated capacity from $6,500 per month for a longer roadmap.
Third-party costs matter more in fintech than elsewhere and are not part of the quote: payment provider fees, per-check KYC charges, credit bureau queries, banking-data aggregator subscriptions, node and custody providers, smart-contract audits, PCI DSS assessments, legal opinions and cloud infrastructure. Maintenance from $249 per month covers, among other things, migrations to new provider API versions. Every price anchor is explained on the pricing page.
Fintech Software Development
Frequently asked questions
Can you help us obtain a payment institution licence?
We do not provide legal or licensing services. We can, however, work alongside your lawyers and prepare the description of architecture, security controls and processes that a licence application or a partner's due diligence usually requires.
Can a financial dashboard be connected to a payment application?
Yes. A shared transaction data model lets the dashboard show receipts, refunds and fees without manual exports. The specification defines which module is the source of truth for each amount.
Do you store payment card data?
No. We design integrations so that card data goes straight to the licensed provider and the application keeps only tokens. That substantially reduces the PCI DSS scope on your side.
Is the $12,000 starting price fixed?
It is the indicative starting point for a focused first release. We give a binding price after a written specification, in three scope options, and do not start development without it.
Can you take over an existing fintech system?
Yes, after a technical assessment. We review how amounts are stored, the audit trail, provider integrations and test coverage, then propose a stabilisation plan before further development.
Which markets can you work in?
We work with clients in Poland, the EU, the UK, the USA and Canada. Regulatory requirements differ by jurisdiction, so the target market is recorded in the specification and its legal assessment is done by your adviser.