Fintech · Sydney

Fintech Software Development Company in Sydney, 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. Sydney (AEST) is 4.5 hours ahead of India (IST), so your morning overlaps our afternoon and leaves a real four to five hour daily window for live calls, reviews and sign-off before we carry the build forward.

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

Sydney market

Sydney is Australia's largest startup ecosystem and accounted for roughly 46 percent of all national startup funding in 2025, anchored by a fintech sector that ranks among the world's top ten. With global players like Google, Microsoft and AWS expanding local cloud and data infrastructure, demand for custom software, APIs and mobile apps keeps climbing faster than local hiring can fill it. Geminate Solutions partners with Sydney startups and scale-ups to build and ship product without waiting on a tight talent market.

Local signal: Sydney is Australia's largest startup ecosystem and accounted for around 46 percent of all national startup funding in 2025, with the country raising 5.4 billion AUD across 390 deals that year.

Fintech and financial servicesSaaS and B2B softwareE-commerce and retail techCloud and data infrastructureProptech and insurtech

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 Sydney 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

Sydney (AEST) is 4.5 hours ahead of India (IST), so your morning overlaps our afternoon and leaves a real four to five hour daily window for live calls, reviews and sign-off before we carry the build forward.

Your IP, your code

Your IP is contractually yours from the first commit, we work under NDA, and our English-fluent team is used to operating as the remote product arm for Sydney companies that have never offshored before.

Priced in AUD

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

FAQ

Fintech Software Development in Sydney, 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.

What does a normal working day look like across Sydney and India hours?

Sydney runs 4.5 hours ahead of our India team, so we hold live standups and demos during your morning, which is our afternoon, and use the rest of the day for focused development. The overlap is partial but reliable, so you get same-day responses on anything that needs a decision.

Does offshore development with Geminate Solutions work out cheaper than a Sydney agency?

Sydney's developer market is competitive and expensive, so an offshore product partner typically lowers your build cost while keeping quality high. We size the exact cost on a discovery call against your scope and milestones instead of publishing a fixed figure.

How much does Fintech Software Development cost in Sydney?

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 Sydney

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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Prefer to talk? [email protected]