Fintech · London

Fintech Software Development Company in London, built to ship.

Money software fails loudly. A single mishandled transaction or a KYC gap can stall an entire neobank, so we treat payment, banking, and trading products as systems where correctness and traceability matter more than speed alone. As a build partner to payment companies, neobanks, and financial startups, our team ships PCI DSS-compliant gateways, digital wallets, and KYC and AML workflows with fraud detection wired into every release. The records hold up under scrutiny. London (GMT, or BST in summer) sits 5.5 hours behind India (IST), which is the most convenient overlap of any major Western market because your morning is our afternoon and the two working days share a large chunk of live, productive hours.

4.9 Top Rated Plus on UpworkYou own 100% of the code and IP. NDA on request.

London market

London is Europe's leading technology hub and ranked third globally in Startup Genome's 2025 ecosystem report, with UK tech raising 12 billion USD in the first nine months of 2025. Its fintech sector is the strongest in Europe and second only to the United States, which keeps demand high for custom software, payment platforms, dashboards and mobile apps. Geminate Solutions acts as the remote product and engineering arm for London founders and businesses that need to move quickly without overstretching local hiring budgets.

Local signal: The UK tech ecosystem recorded 12 billion USD in funding in the first nine months of 2025, with London's fintech sector confirmed as the number one fintech hub in Europe and second globally.

Fintech and paymentsEnterprise software and SaaSMedia and entertainmentHealthtech and life sciencesE-commerce and retail

4.9★

Top Rated Plus on Upwork

250K+

daily active users on apps we built

10M+

requests per minute handled

50+

products shipped worldwide

What we build

Fintech Software Development for London teams, end to end

PCI DSS-compliant payment gateways with multi-currency support and automated reconciliation

Digital banking and wallet apps for account management, transfers, and bill payments

KYC and AML verification flows using providers such as Onfido and Jumio with sanctions screening

Real-time trading interfaces and portfolio dashboards with regulatory reporting

Fraud detection and transaction monitoring with anomaly alerts

Integrations with payment processors including Stripe and Razorpay

Your time zone

London (GMT, or BST in summer) sits 5.5 hours behind India (IST), which is the most convenient overlap of any major Western market because your morning is our afternoon and the two working days share a large chunk of live, productive hours.

Your IP, your code

You retain full IP ownership, we sign an NDA up front, and our English-fluent team is set up to work to UK contract and GDPR expectations so London clients can offshore with confidence.

Priced in GBP

Transparent, milestone-based, scoped on a free call. No hidden costs and no lock-in.

FAQ

Fintech Software Development in London, answered

Can you build PCI DSS-compliant payment systems?

Tokenization, encryption, secure key management, and full transaction logging are the PCI DSS controls we apply across the payment flow. Our team integrates established processors such as Stripe and Razorpay so card data is handled inside a compliant boundary and never lands somewhere it should not.

Do you handle KYC and AML in fintech software development?

Onboarding is where KYC lives, so we build verification straight into it using services like Onfido and Jumio, then layer AML screening against standard sanctions databases. The workflows produce the records financial regulators expect to see.

How do you secure transactions and financial data?

Every transaction is encrypted, authenticated, and recorded. We use AES-256 for data at rest and TLS 1.3 in transit, scope each user to the permissions their role needs, and add real-time fraud monitoring so anomalies surface as they happen. The infrastructure is built to clear a SOC 2 assessment.

How much of the working day do London and India actually share?

London is 5.5 hours behind our India team, which gives one of the best overlaps we work with. Your full morning is our afternoon, so live calls, code reviews and approvals happen in real time without anyone working unsociable hours.

Is offshore development with Geminate Solutions more cost-effective than a London agency?

London carries some of the highest developer rates in Europe, so an offshore product partner usually reduces your build cost substantially while keeping delivery quality high. We scope the exact cost on a call once we understand your product, rather than listing a headline rate.

How much does Fintech Software Development cost in London?

Every fintech project is scoped on a free call rather than sold as a fixed package, and most engagements start with a paid pilot sprint so you see the work before you commit. You get a clear number in GBP before anything starts.

Do we own the code?

Yes, completely. The code, the project, and the content are handed to you. You hold the keys, not us. We sign an NDA before you share anything.

How long does it take?

Most builds go live in two to four weeks. Larger products with a custom backend or migration take longer, and you get a firm timeline before any work begins.

Start in London

Get a free project estimate

Tell us what you want to build. A senior engineer sends a clear scope and estimate within 24 hours. No pitch, no obligation.

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