Financial software has no room for small errors. A duplicated payment, a missing ledger entry or a leaked card number costs money, customers and regulator trust.
Codersarts fintech software development builds, secures and supports payment, wallet, lending and banking products, with accurate money movement and compliance controls designed in.
What Is Fintech Software Development?
Fintech software development is building software that moves, stores, lends, invests or manages money. It covers payments, digital wallets, lending, banking integrations, identity verification, fraud prevention, trading, insurance and accounting, and must meet security standards such as PCI DSS and regulations such as KYC and AML rules.
We're engineers, not lawyers or licensed financial institutions. We build the product and its controls, and integrate with licensed banks and providers where your model needs them.
Who We Work With
Fintech startups building their first product
Banks and NBFCs modernizing customer apps
SaaS and marketplaces adding payments, payouts or embedded finance
Lenders, insurers and brokers digitizing journeys
Accounting and payroll software companies
What We Build
Payments and Payouts
Card, UPI, wallet and bank payments, split payments, payouts and reconciliation.
Digital Wallets
Stored balances, peer transfers, top-ups and cards through licensed partners.
Lending Platforms
Loan applications, credit decisions, disbursal, repayments and collections.
Onboarding and KYC
Identity verification, document checks, sanctions screening and risk scoring.
Banking Integrations
Open banking, account aggregation and banking-as-a-service APIs.
Fraud and Risk
Rules and machine learning to catch suspicious activity. See AI development.
Trading, Insurance and Accounting
Investment apps, policy and claims systems, invoicing and accounting tools.
Explore Our Fintech Solutions
Each solution has its own page with scope, pricing, timelines and examples.
Payment gateway integration: cards, UPI, wallets and payouts.
Digital wallet development: balances, transfers and top-ups.
Lending platform development: applications, decisions, disbursal and repayments.
KYC and AML verification: identity checks and screening at onboarding.
PCI DSS-compliant app development: card data security built in.
Open banking API integration: account data and bank payments.
AI fraud detection: real-time rules and risk scores.
Trading and investment platforms: market data, orders and portfolios.
Insurance software: quoting, policies and claims.
Accounting and invoicing software: invoices, tax and accounting sync.
Fintech MVP development: a focused first version with partners.
Fintech app maintenance: patching, monitoring and reconciliation.
The Problems We Fix Most Often
Duplicate or missing payments — Usual cause: No idempotency or webhooks; Where to start: Webhook fixes
Balances don't match the provider — Usual cause: No ledger or reconciliation; Where to start: Ledger and schema redesign
Failed a bank or partner security review — Usual cause: No evidence of controls; Where to start: Compliance readiness
Card data in your systems — Usual cause: Direct card handling; Where to start: PCI DSS compliance
App slows during sales or salary days — Usual cause: Not built for peaks; Where to start: Load test
Security and Compliance Built In
Card data: tokenized payments so card numbers stay with PCI-certified providers.
Access control: MFA, roles, least privilege and approvals for sensitive actions.
Audit trails: immutable records of transactions and admin actions.
Encryption and secrets: encryption in transit and at rest, keys in managed vaults.
Testing: security scans in every release and penetration testing before launch.
Learn more about PCI DSS compliance, penetration testing and SOC 2 and ISO 27001 readiness.
Regulations at a Glance
PCI DSS — Where: Global; What it means for your software: Security requirements for systems that store, process or transmit card data
KYC and AML rules — Where: Most countries; What it means for your software: Verify customers and monitor for money laundering
PSD2 and open banking — Where: EU and UK; What it means for your software: Strong customer authentication and regulated access to bank data
RBI guidelines — Where: India; What it means for your software: Rules for payment aggregators, prepaid instruments and digital lending
GDPR and DPDP Act — Where: EU, UK and India; What it means for your software: Personal data protection and consent
Which rules apply depends on your product, licenses and markets. Confirm with your compliance advisers; we build to the requirements you agree.
Getting Money Movement Right
The hardest part of fintech isn't the screens; it's making every transaction correct, once, and traceable. We build:
Double-entry ledgers as the source of truth for balances
Idempotent payment and payout handling, so retries never duplicate
Daily reconciliation against provider and bank reports
Alerts on mismatches, failed payouts and unusual activity
Ways to Start
Stripe payment integration — Best for: Adding payments to your product; From: $199
Razorpay payment integration — Best for: Accepting UPI and Indian payments; From: $199
OWASP Top 10 security check — Best for: A security baseline before a partner review; From: $199
Paid discovery sprint — Best for: Scoping a new fintech product; From: Fixed price
Retainer — Best for: Ongoing development and support; From: Monthly
A focused fintech MVP typically costs $40,000 to $120,000, depending on integrations, compliance and platforms. We fix the price after discovery.
How We Work
Discover. Product, money flows, partners and regulations.
Design. Architecture, ledger, data model and controls.
Build. Weekly releases with security checks.
Integrate. Payment, banking, KYC and partner APIs.
Verify. Reconciliation tests, security testing and evidence.
Support. Monitoring, fixes and updates.
Example Engagement: Marketplace Payouts That Finally Reconciled
An illustrative example based on the pattern we see most often. Client details are kept confidential.
The situation: A services marketplace paid hundreds of sellers weekly, but payouts sometimes doubled or failed silently, and finance spent days reconciling spreadsheets.
What we did:
Built a double-entry ledger for orders, fees and payouts
Made payouts idempotent and added webhook verification
Automated daily reconciliation with alerts on mismatches
The result: Duplicate payouts stopped, reconciliation became a daily report instead of a weekly project, and the marketplace passed its payment partner's review.
Why Codersarts for Fintech
Payments, security, cloud and AI engineers in one team
Money movement designed for correctness, not just the happy path
Fixed-price tasks for small jobs, so you can start without a large contract
Plain-language documentation for partner and bank reviews
You own all code, data and accounts
Frequently Asked Questions
What does fintech software development include?
Building and maintaining software for financial products, such as payments, digital wallets, lending, banking integrations, KYC, fraud detection, trading and insurance, with security, compliance controls and reliable money movement.
Can you build PCI DSS-compliant software?
We build the technical controls PCI DSS requires and design systems to keep card data out of your environment where possible, using tokenized payment providers. Formal assessment is done by a Qualified Security Assessor or through a self-assessment questionnaire.
Do we need a license to launch a fintech product?
Many fintech products, such as wallets, lending and money transfer, need licenses or a licensed banking partner, depending on your country. Your legal advisers confirm what applies; we build to those requirements and integrate with licensed partners.
Which payment and banking providers do you integrate?
Stripe, Razorpay, PayPal, Adyen, Checkout.com, Plaid, TrueLayer, Setu and other providers with APIs, plus banking-as-a-service platforms.
How much does fintech software development cost?
Small fixed-price tasks start at $29. A focused fintech MVP typically costs $40,000 to $120,000, depending on integrations, compliance and platforms.
How do you keep money movement accurate?
With double-entry ledgers, idempotent payment handling, reconciliation against provider reports and alerts on mismatches.
Can you take over an existing fintech app?
Yes. We start with a security and code review, document the system and then take over fixes and improvements.
Related Problems
Data leak in app: what to do after exposure.
Failed a security audit: passing the next review.
Need SOC 2 or ISO 27001: certifications partners ask for.
App crashes under traffic: sales and salary-day peaks.
Build Financial Software Customers Can Trust
Tell us about your product, money flows and partners. We'll recommend the right first step, often a fixed-price task you can start this week.