Fintech · Toronto

Fintech Software Development Company in Toronto, 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. Toronto (EST) is 10.5 hours behind India (IST), so the live overlap is limited to your early morning and our evening, which is why we run an async-first workflow backed by a dedicated project manager who keeps your day moving even while our main build hours are offline for you.

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

Toronto market

Toronto is Canada's largest tech talent market and ranked third in North America in CBRE's 2025 Scoring Tech Talent report, behind only the San Francisco Bay Area and Seattle. With over 3,000 active startups, a deep base in fintech, AI and healthtech, and tech hiring that surged about 22 percent year over year in 2025, demand for custom software and mobile apps far outpaces local supply. Geminate Solutions gives Toronto founders and enterprises a dependable remote product team to build and ship without the local hiring squeeze.

Local signal: Toronto ranked third in North America in CBRE's 2025 Scoring Tech Talent report and added 42,900 tech jobs between 2021 and 2024, the most of any Canadian market.

Financial services and fintechArtificial intelligence and dataHealthtechE-commerce and retail techSaaS and enterprise software

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 Toronto 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

Toronto (EST) is 10.5 hours behind India (IST), so the live overlap is limited to your early morning and our evening, which is why we run an async-first workflow backed by a dedicated project manager who keeps your day moving even while our main build hours are offline for you.

Your IP, your code

Your IP belongs to you from day one, we operate under NDA, and our English-fluent team is structured around async communication and a dedicated PM so Toronto clients stay in control despite the time difference.

Priced in CAD

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

FAQ

Fintech Software Development in Toronto, 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 you handle the big time gap between Toronto and India?

We are honest that the live overlap is short, mostly your early morning and our evening, so we run an async-first process. A dedicated project manager owns daily updates, written handoffs and a fixed live call window, which means you get clear progress every morning rather than chasing replies across time zones.

Is offshore development with Geminate Solutions cheaper than hiring developers in Toronto?

Toronto's developer market is the most competitive in Canada, so an offshore product partner generally lowers your build cost while still delivering senior-level work. We confirm the exact cost on a discovery call tied to your scope and timeline instead of quoting a flat figure.

How much does Fintech Software Development cost in Toronto?

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 CAD 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 Toronto

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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