Fintech software that handles money with precision
Financial technology demands the highest standards of security, compliance, and reliability. We build payment systems, banking platforms, and trading applications that process transactions accurately and protect sensitive financial data.
Fintech development challenges we solve
Regulatory Compliance
Financial applications must comply with PCI DSS, KYC/AML regulations, and regional financial authority requirements. Non-compliance can result in license revocation.
Transaction Security
Every transaction must be encrypted, authenticated, and auditable. Financial systems are prime targets for fraud and cyberattacks.
Sub-Second Processing
Payment processing, trading systems, and real-time analytics demand sub-second response times under high concurrency loads.
Our fintech development services
Payment Processing Systems
PCI DSS-compliant payment gateways, multi-currency support, automated reconciliation, and fraud detection systems.
Banking & Wallet Applications
Digital banking platforms with account management, fund transfers, bill payments, and biometric authentication.
Trading & Investment Platforms
Real-time trading interfaces, portfolio management dashboards, and automated reporting for regulatory compliance.
Technologies we use for fintech
What we have built
Developed a cryptocurrency trading platform with real-time order matching, wallet management, and KYC verification — processing thousands of transactions daily.
How much does fintech software cost?
| Project Type | Cost Range | Timeline |
|---|---|---|
| MVP / Simple App | $40,000-$80,000 | 10-14 weeks |
| Mid-Complexity Platform | $80,000-$200,000 | 14-24 weeks |
| Enterprise System | $200,000-$400,000 | 6-10 months |
Fintech compliance and security standards
PCI DSS Level 1 compliance for payment card data handling
KYC/AML verification workflows with Onfido, Jumio, and sanctions screening
AES-256 encryption for financial data at rest and TLS 1.3 in transit
SOC 2 Type II audit-ready infrastructure and access controls
Real-time fraud detection with transaction monitoring and anomaly alerts
Comprehensive audit trails meeting financial regulator requirements globally
How to hire fintech developers
Financial Domain Assessment
We analyze your fintech requirements — payment flows, regulatory landscape, security needs, and integration points with banks or payment processors.
Compliance-Ready Team Assembly
Matched developers with PCI DSS, KYC/AML, and financial systems experience. Every engineer understands transaction security and audit requirements.
Paid Trial Week
Your team works on your actual fintech project. Verify their understanding of payment flows, security protocols, and financial data handling firsthand.
Build & Scale
Month-to-month engagement. Add security specialists, DevOps engineers, or QA as your financial platform scales to more users and transaction volume.
Enterprise Payment Platform — Thousands of Daily Transactions
Developed a cryptocurrency trading platform with real-time order matching, multi-currency wallets, and automated KYC verification. The system processes thousands of transactions daily with sub-second settlement.
1000s of daily transactionsGeminate Solutions builds custom fintech software for payment companies, neobanks, trading platforms, and financial startups globally. Our PCI DSS-compliant development covers payment gateways, digital wallets, KYC/AML integrations, and real-time trading systems. With dedicated teams from $3,000/month, we deliver secure financial applications with end-to-end encryption, fraud detection, and regulatory compliance built into every sprint.
Common questions about fintech development
Can you build PCI DSS-compliant payment systems?
Yes. We implement PCI DSS requirements including tokenization, encryption, secure key management, and audit logging. We work with payment processors like Stripe and Razorpay.
Do you have experience with KYC/AML integration?
Yes. We have integrated KYC verification workflows using services like Onfido and Jumio, and implemented AML screening using standard sanctions databases.
How do you handle financial data security?
We implement end-to-end encryption, role-based access control, comprehensive audit trails, and deploy on SOC 2-compliant infrastructure. Security is embedded in our development process.
How much does fintech software development cost?
A fintech MVP typically costs $40,000-$80,000 and takes 10-14 weeks. Mid-complexity platforms with multi-currency support and KYC run $80,000-$200,000. Enterprise banking systems range $200,000-$400,000. Compliance requirements add 20-30% to base development costs.
Do you have PCI DSS and KYC compliance experience?
Yes. We have built PCI DSS Level 1 compliant payment systems, integrated KYC providers like Onfido and Jumio, and implemented AML screening with sanctions databases. Our team understands the full regulatory stack for financial software.
Can I hire fintech-experienced developers per month?
Yes. Dedicated fintech developers start at $3,500/month. You get engineers who understand payment flows, transaction security, and financial compliance. Every engagement starts with a paid trial week to verify domain knowledge.
How long does it take to build a payment platform?
A basic payment gateway MVP takes 10-14 weeks. Adding multi-currency support, recurring billing, and fraud detection extends to 14-24 weeks. Full banking platforms with KYC/AML and regulatory reporting take 6-10 months.
What tech stack do you use for fintech projects?
We use React and Next.js for dashboards, Node.js or Java with Spring Boot for transaction processing, PostgreSQL for financial data, Redis for caching, and AWS with Kubernetes for scalable infrastructure. Stripe and Razorpay for payment processing.
Why Choose Geminate for Fintech
Typical investment: $30,000 - $250,000
Built cryptocurrency trading platforms processing thousands of daily transactions
PCI DSS and KYC/AML compliance experience with Stripe, Razorpay, and custom payment systems
Dedicated teams from $3,000/month — 60% less than local agencies
50+ products shipped worldwide including payment gateways and banking applications
Ready to build your fintech product?
Get matched with developers who have fintech domain experience. Start with a paid trial week.