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Fintech · Melbourne

Fintech Software Development Company in Melbourne, 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. Melbourne (AEST) runs 4.5 hours ahead of India (IST), so your morning maps to our afternoon and gives a real shared window of roughly four to five working hours each day for standups, reviews and quick decisions.

Free scope and estimate in 24 hours. No pitch, no obligation. You own the code and IP, and we sign an NDA on request. Privacy Policy.

Rated 4.9 stars across 24+ client projectsYou own 100% of the code and IP. NDA on request.

Melbourne market

Melbourne is one of Australia's strongest digital economies, with Victorian technology businesses generating over 142 billion AUD in revenue in FY24 across SaaS, fintech, edtech, digital games and cyber security. The city is home to more than 25,000 tech businesses and a fast-growing startup scene, so demand for custom software, web platforms and mobile apps stays high. Geminate Solutions helps Melbourne founders and established firms ship product-grade software without the local hiring crunch.

Local signal: Victorian digital technology businesses generated over 142 billion AUD in revenue in FY24, with the state home to more than 25,000 tech businesses and over 300,000 ICT professionals.

Financial services and fintechSaaS and enterprise softwareHealthcare and healthtechEducation and edtechDigital games and media

4.9★

Client rating across 24+ projects

250K+

daily active users on apps we built

10M+

requests per minute handled

50+

products shipped worldwide

What we build

Fintech Software Development for Melbourne teams, end to end

01

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

02

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

03

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

04

Real-time trading interfaces and portfolio dashboards with regulatory reporting

05

Fraud detection and transaction monitoring with anomaly alerts

06

Integrations with payment processors including Stripe and Razorpay

Your time zone

Melbourne (AEST) runs 4.5 hours ahead of India (IST), so your morning maps to our afternoon and gives a real shared window of roughly four to five working hours each day for standups, reviews and quick decisions.

Your IP, your code

You keep full IP ownership from day one, we sign an NDA before any code or context is shared, and our team communicates in fluent business English so Melbourne stakeholders stay comfortable working offshore.

Priced in AUD

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

Compliance in Australia

How does Fintech Software Development stay compliant with Australian Privacy Act / APPs in Melbourne?

Melbourne companies build under the Australian Privacy Act 1988 and its 13 Australian Privacy Principles, overseen by the Office of the Australian Information Commissioner (OAIC). We design every fintech engagement to respect those rules from day one, not as a checklist bolted on at the end. The Notifiable Data Breaches scheme means a serious breach must be reported, so we build logging, encryption, and breach-response hooks in from the start.

Who regulates you

the Office of the Australian Information Commissioner (OAIC). recent Privacy Act reforms tighten rules on consent and overseas disclosure, which we factor into data flows and third-party services.

Where your data lives

You pick the hosting region. When residency rules or a Australia contract require it, we deploy inside your jurisdiction and you hold the cloud accounts.

What you own

100% of the source code and IP, transferred under contract, with an NDA and a data processing agreement signed before anything is shared.

Proof we can do this at scale: the products we have shipped run at 250K+ daily active users and have handled 10M+ requests per minute, across 50+ products rated 4.9 stars over 24+ client projects. Security and data handling are part of how we build, not an afterthought.

FAQ

Fintech Software Development in Melbourne, 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 do working hours line up between Melbourne and your India team?
Melbourne sits 4.5 hours ahead of our India base, which gives a genuine overlap during your morning and our afternoon. We schedule live standups and demos inside that window and handle deep build work outside it, so you wake up to progress rather than waiting on it.
Is offshore development with Geminate Solutions cheaper than hiring a local Melbourne studio?
Most Melbourne clients find an offshore product partner meaningfully more cost-effective than building a full local team, especially given the local developer shortage. We scope exact cost on a short call once we understand your product and timeline, rather than quoting a generic number.
How do you handle Australian Privacy Act / APPs and data protection for Melbourne clients?
Melbourne businesses fall under the Australian Privacy Act 1988 and its 13 Australian Privacy Principles, overseen by the Office of the Australian Information Commissioner (OAIC). The Notifiable Data Breaches scheme means a serious breach must be reported, so we build logging, encryption, and breach-response hooks in from the start. Before any data is shared we sign an NDA and a data processing agreement, and recent Privacy Act reforms tighten rules on consent and overseas disclosure, which we factor into data flows and third-party services.
Where will our data and code be hosted if we build with you from Melbourne?
You choose the region. We default to a cloud setup that satisfies Australian Privacy Act / APPs obligations, and when residency rules or a Australia contract require it, we host inside your jurisdiction. You keep full ownership of the source code, the data, and the infrastructure accounts at all times.
How much does Fintech Software Development cost in Melbourne?
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 AUD 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 Melbourne

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.

Rated 4.9 across 24+ client projectsReply within 24 hours

Prefer to talk? [email protected]

A senior engineer replies within 24 hours with a scope and estimate. Free, no pitch, no obligation. You own the code and IP, NDA on request. Privacy Policy.

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