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Fintech · New York

Fintech Software Development Company in New York, 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. New York runs on Eastern Time, which is 9.5 hours behind India Standard Time, so the practical daily overlap is your morning India team meeting your end of business day in NY, which we run as an async-first workflow with a fixed live window for standups and reviews.

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.

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

New York market

New York City is the second largest tech hub in the world, anchored by Wall Street fintech, Madison Avenue media and adtech, and a fast growing health tech and AI cluster. With more than 200,000 tech jobs and over 2,000 AI startups inside the city, demand for custom software, trading platforms, and consumer apps runs deep across finance, media, and retail. Geminate Solutions partners with NYC founders and product teams that need an engineering team to build and ship without the local hiring crunch.

Local signal: New York City captured 30 percent of all US fintech investment in 2024, with the sector reaching 6.71 billion USD in deal value, and the city hosts over 2,000 AI startups employing more than 40,000 AI professionals.

FinTech and financial servicesMedia, advertising and adtechHealthTech and life sciencesRetail and e-commerceAI and machine learning

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 New York 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

New York runs on Eastern Time, which is 9.5 hours behind India Standard Time, so the practical daily overlap is your morning India team meeting your end of business day in NY, which we run as an async-first workflow with a fixed live window for standups and reviews.

Your IP, your code

Every Geminate Solutions engagement is covered by a signed NDA and a clear contract assigning full IP ownership of the code to you, and all collaboration runs in fluent business English across daily standups and documentation.

Priced in USD

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

FAQ

Fintech Software Development in New York, 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 a New York team and an India based development partner?
India Standard Time is 9.5 hours ahead of New York Eastern Time, so the natural overlap is your morning against our late afternoon. We schedule live standups and demos inside that window and run the rest of the build async, which means work continues on your project after your office closes and you wake up to progress.
Is offshore software development from India more cost effective than hiring locally in New York?
New York carries some of the highest engineering salaries and office costs in the United States, so partnering with an India based team like Geminate Solutions typically gives you senior product talent at a meaningfully lower total cost. We scope the exact figure for your project on a short call so it maps to your real requirements.
How much does Fintech Software Development cost in New York?
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 USD 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 New York

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.

4.9 Top Rated PlusReply 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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