Fintech Software Development for Payments, Lending and Wallets

A single payment or KYC integration usually costs ₹90,000–2.5 lakh (about $1,350–3,600). A focused fintech MVP such as a lending portal or wallet usually falls between ₹3.5 and 9 lakh (about $5,200–13,500). Larger platforms with multiple integrations and mobile apps cost more. We give a fixed quote after a short discovery call, so you know the number before any work begins.

We design with those requirements in mind: storing payment data in India where RBI localisation applies, never storing raw card data so your PCI DSS scope stays small, encrypting sensitive fields and keeping audit logs. We also help with documentation your auditors request. Licences and final regulatory sign-off remain your responsibility or your regulated partner's; we are an engineering team, not a compliance firm.

Yes. UPI is usually integrated through a payment aggregator such as Razorpay, Cashfree or PayU, which gives you intent flows, collect requests, dynamic QR codes and UPI AutoPay mandates for recurring payments. Direct NPCI connectivity needs a sponsor bank relationship, which is uncommon for early-stage products. We will recommend the simplest route for your volume and use case.

Yes. For US, UK, Canadian and Australian products we typically use Stripe, Plaid, TrueLayer or similar providers, and design with UK GDPR, US state privacy laws, PIPEDA or the Australian Privacy Act in mind. We work in your time zone for key meetings, invoice in USD or GBP, and sign an NDA and IP assignment before starting.

You do. The code lives in your GitHub, GitLab or Bitbucket repository from the first commit, and infrastructure runs in your own cloud account. On final payment, all intellectual property is assigned to you in writing. You are free to hire another team or bring development in-house at any point.

We use encryption in transit and at rest, secrets management rather than hard-coded keys, least-privilege access, two-factor authentication for admin users, rate limiting and detailed audit logs. Money-moving logic gets automated tests, and we run dependency and configuration checks before launch. If you commission an external penetration test, we fix the findings as part of the project.

A clickable prototype can be ready in two to three weeks. A working MVP with real sandbox payments and KYC generally takes 10 to 16 weeks. We help you cut scope sensibly: build the one flow that proves the business, and leave nice-to-have features for after your pilot or funding round.

Every project includes 30 days of bug fixes. After that, you can choose a monthly support plan covering monitoring, security updates, provider API changes and a set number of development hours. Extended-hours or on-call coverage is available as a paid option for products that need it.