Fintech Software Development Company

Payment gateway integrations covering Stripe, Adyen, Braintree, and PayPal -- each with idempotency keys on every API call to prevent duplicate charges on network retry. ACH payment flows via Nacha-compliant processors (Stripe ACH, Dwolla, or direct bank ACH), SWIFT international wire processing, and card programme management for fintechs operating a BIN sponsorship arrangement. FX and multi-currency handling with settlement in the merchant's base currency and transparent foreign exchange rate recording for reconciliation.

PCI DSS Level 1 compliance architecture is the baseline for systems that store, process, or transmit cardholder data. That means: cardholder data environment (CDE) scoping to contain PAN storage within a tokenised vault (Stripe Vault, Adyen Token, or Braintree Vault), TLS 1.3 for all payment data in transit, no logging of PAN or CVV anywhere in the application stack, and annual QSA audit readiness through structured documentation of controls. For systems using a hosted fields or redirect approach, the CDE scope is reduced significantly.

Payment reconciliation engines match transactions across processors, banks, and the internal double-entry ledger. Settlement discrepancies surface automatically rather than appearing in a month-end spreadsheet. Chargeback and dispute workflows record the dispute, collect evidence, and submit responses to the processor within deadlines. The reconciliation and chargeback infrastructure reduces the analyst hours required per million transactions in payment volume.

Digital lending platforms covering the full origination and servicing lifecycle: application intake with structured document collection, automated underwriting with credit bureau integration via Experian Connect, TransUnion TrueLookup, or Equifax Data-X commercial APIs, and decisioning workflows that route applications through automated approval, manual review queue, or decline based on configurable policy rules. Loan agreement generation with dynamic term population and e-sign via DocuSign API. Disbursement processing through ACH or wire with settlement confirmation recorded in the ledger.

Loan servicing covers repayment tracking by principal and interest using amortisation schedules, arrears management with automated escalation at configurable DPD thresholds (7-day, 30-day, 60-day), and customer communications through SMS and email channels. Modification workflows for hardship forbearance, loan extension, and restructuring are managed in the system with a complete audit trail of who approved what change.

Regulatory compliance for consumer lending products includes TILA disclosure generation with APR and finance charge calculations, ECOA adverse action notice generation when applications are declined, and state-level licensing and rate cap compliance checks where applicable. For small business lending, the Dodd-Frank Section 1071 small business data collection workflow is implemented as a structured intake module. Compliance requirements are mapped to workflow design decisions during discovery -- the architecture reflects the regulatory environment, not the other way round.

KYC onboarding for regulated fintech products is built around automated identity verification with document capture and liveness check via Jumio NetVerify, Onfido Smart Capture SDK, or Persona -- each of which returns a structured decision (pass, review, fail) with confidence scores and failure reason codes that feed directly into the onboarding workflow. Document types supported vary by provider: Jumio covers 3,500+ document types across 200+ countries. Identity verification is coupled with sanctions screening against OFAC SDN, EU Consolidated Sanctions List, and UN Security Council lists, PEP (Politically Exposed Person) database checks, and adverse media screening from major news feeds. Ongoing monitoring re-screens existing customers against updated watchlists on a configurable schedule rather than only at onboarding.

AML transaction monitoring uses configurable rule sets (velocity rules, amount thresholds, peer group deviation) to generate alerts. Alert cases are managed in a workflow with analyst assignment, evidence collection, and escalation to Suspicious Activity Report (SAR) filing via FinCEN BSA E-Filing API for US-regulated entities, or the equivalent regulator portal for FCA-regulated UK firms. NICE Actimize and FICO TONBELLER are common enterprise AML platforms we integrate with for firms that already have an AML workbench and need the custom product to feed alerts into it rather than manage a parallel case queue.

Real-time fraud scoring uses ML-based anomaly detection models running at transaction time -- device fingerprint, behavioural biometrics, and transaction pattern features combined into a risk score. High-score transactions are declined, flagged for step-up authentication, or held for analyst review depending on the score tier and product risk policy.

Customer-facing financial apps for digital banking, neobanks, and stored-value wallets: account dashboards with real-time balance, categorised transaction history, fund transfers (internal, ACH, wire), bill payment, scheduled payments, and card management (freeze, unfreeze, virtual card issuance). Mobile-first design across iOS and Android reflects where the majority of digital banking sessions happen. Biometric authentication (Face ID, fingerprint) is the default login path with step-up OTP via SMS or authenticator app for high-value transactions above a configurable threshold.

Session management enforces access token expiry and device binding -- a session token is tied to the device it was issued on and invalidated on logout or after a configurable idle timeout. Open banking data connections via Plaid Link, Finicity Connect, or MX Connect let users link external bank accounts for balance aggregation, account verification (micro-deposit or instant verification), and bank-to-wallet funding. PSD2-compliant open banking flows for EU and UK products use Account Information Service Provider (AISP) and Payment Initiation Service Provider (PISP) API connections via TrueLayer or Tink.

SOC 2 Type II audit preparation is built into the development process for platforms handling customer financial data in cloud infrastructure: evidence collection for CC6 (Logical Access) and CC7 (System Operations) trust service criteria runs continuously through CloudTrail and CloudWatch logging rather than being assembled at audit time. See our digital wallet development page for wallet-specific capabilities including prepaid card programme management and crypto wallet architecture.

Investment platform software covering portfolio management interfaces, trading execution workflows, order management systems (OMS) with FIX protocol connectivity for institutional order routing, position tracking, real-time P&L calculations mark-to-market, and performance reporting against benchmark indices. Brokerage back-office workflows include account onboarding with FINRA KYC/AML (Rule 2090 Know Your Customer, Rule 4512 customer account information), margin account management with real-time margin calculations, corporate actions processing (dividends, splits, mergers), and regulatory reporting via 1099-B and trade confirmation generation.

Robo-advisor components are built as modular services: risk questionnaire with scoring algorithms that map to model portfolio allocations, model portfolio construction from ETF universe with drift threshold monitoring, automated rebalancing triggered by threshold breach or on schedule, and tax-loss harvesting logic that identifies harvesting opportunities while respecting wash-sale rules (30-day wash period). Model portfolio weights and ETF selections are configurable by the product team without developer changes.

Market data integration covers real-time quote feeds (Polygon.io, IEX Cloud) and reference data (CUSIP, ISIN mapping, corporate action feeds from Bloomberg or Refinitiv). DR/RTO/RPO planning for trading infrastructure is treated as a first-class design requirement: trading systems need clear recovery time objectives given the financial and regulatory consequences of extended downtime during market hours.

API platforms that expose financial capabilities to third-party developers and partner organisations: account aggregation APIs (read-only access to balance and transaction history), payment initiation APIs compliant with PSD2 and the FDX (Financial Data Exchange) API standard used in North America, transaction data APIs with filtering and categorisation, and identity verification APIs that wrap Jumio or Onfido for downstream applications. API management is built with OAuth 2.0 authorisation, scoped access tokens per integration, rate limiting per client ID, usage metering for per-call billing, and auto-generated OpenAPI documentation published to a developer portal.

Open banking integration uses Plaid for US/Canada bank connectivity (covering 12,000+ institutions), TrueLayer for UK and European bank connections (PSD2 AISP/PISP), and Tink for broader European coverage where TrueLayer's coverage has gaps. Finicity (Mastercard Open Banking) is an alternative for US lenders needing income and asset verification optimised for mortgage underwriting use cases. MX is used for data enrichment and categorisation pipelines where raw transaction data needs merchant name normalisation and spending category assignment.

BaaS platform integration connects fintech products to underlying banking infrastructure -- Unit, Treasury Prime, Synctera, or Column Bank for US account and card issuance -- so the product team builds the customer experience while the BaaS provider handles the charter, FDIC pass-through insurance, and core banking compliance. FCA regulatory reporting in the UK and SEC reporting for registered investment advisers are both designed into the data model at the start rather than retrofitted.