A fintech software development company that builds to the rules

It depends on the product scope, the number of banking, payment and KYC providers, the ledger and reconciliation work, the compliance evidence you need, the platforms and the security testing. We don’t publish prices: after a free discovery call you get a written scope and a fixed quote. Our 2026 fintech app cost guide explains published market ranges.

PCI DSS still applies to any business that accepts cards, but using a hosted checkout or hosted fields from Stripe or a similar provider can shrink your scope a lot, because card numbers never touch your servers. Merchants with fully outsourced payment pages often use the shortest self-assessment questionnaire, SAQ A; others use SAQ A-EP or SAQ D. Your acquirer or provider confirms which applies.

No. We are not a regulated firm and can’t obtain authorisation or licenses for you. In the UK, authorisation comes from the FCA, and many fintechs start by operating through an authorised EMI or payment institution partner. In the US, money transmission is licensed state by state, or you work through a sponsor bank. We build the product and work with your compliance advisers.

PCI DSS is a standard from the PCI Security Standards Council for protecting payment card data, validated by a self-assessment questionnaire or an assessment. SOC 2 is an AICPA framework for reporting on security controls, and optionally availability, processing integrity, confidentiality and privacy, issued as a report by an independent CPA firm. We build controls that support both.

KYC verifies who a customer is: identity documents, a selfie or liveness check and data checks. AML looks for money laundering: sanctions and politically exposed person screening at onboarding, then transaction monitoring. In an app we integrate a KYC vendor for the checks, build the onboarding flow and the case-review screens, and log every decision. Your risk policy sets the thresholds.

Open banking lets customers share their bank data with, or start payments from, apps they choose, through secure bank APIs and their own consent. In the UK it is overseen by the FCA, which reports more than 16 million users. Apps usually connect through an FCA-authorised provider that handles the bank connections, and customers re-confirm consent periodically.

It depends on the product, your partners’ onboarding and the number of integrations, so we don’t promise a date before discovery. Every MVP runs in phases: discovery and compliance scope, architecture, design, build in sprints, integration and failure testing, then a phased launch. You get a phased plan with your fixed quote and weekly demos while it runs.

You do. The code, the infrastructure and provider accounts, and all data, including the ledger, are yours, as set out in your contract. We build in your cloud and provider accounts from day one, so nothing needs to move later.