Custom FinTech Software Development Services That Hold Up Under Audit

We build systems designed to meet PCI DSS requirements, but compliance is assessed against your organisation, not ours. In practice our first move is to shrink your scope — tokenising card data with your acquirer or a vault so raw PAN never touches your servers. Where card data must be handled, we implement the required encryption, segmentation, logging and access controls, and support your QSA through assessment.

Yes, and it is a large share of what we do. We work with file-based, SOAP and REST cores, including ones that only post in overnight batches. The usual pattern is an integration layer that normalises the core's interface and, where customers expect real-time balances, a shadow ledger that reconciles against the core on every cycle rather than replacing it.

Every money-moving endpoint takes an idempotency key, and the result of the first successful call is stored and replayed for repeats within the window. Ledger postings are append-only and constrained so the same external reference cannot post twice. Webhooks are verified, deduplicated by event ID and processed in an order-tolerant way, since providers do not guarantee delivery order.

Automated jobs pull settlement and statement files from each processor, bank and network, normalise them, and match them against internal postings on amount, reference and date window. Anything unmatched lands in a break queue with an ageing view, assignable to a finance user. Nobody should be doing this in a spreadsheet past pilot stage.

We design onboarding as a configurable flow rather than a fixed one, so the document types, verification providers, screening lists and data retention rules can differ per market without forking the codebase. We integrate the identity and screening vendors you or your compliance advisers select; choosing the licensed provider remains your call.

A single well-scoped module — a lending origination flow, a payment rail integration, a reconciliation engine — is typically a few months. A full platform with a ledger, multiple integrations and a compliance surface runs considerably longer and is best delivered in phases, with the money path live and proven before the wider product is built around it.

Both, though the engagements look different. Startups usually need a small senior team to get a defensible first version live without accumulating ledger debt. Institutions usually need modernisation work alongside a system that cannot be switched off, which means dual-running and careful migration sequencing.

You do. Repositories, infrastructure accounts and documentation are yours from the start, not handed over at the end. We keep architecture decision records so the reasoning behind each significant choice is readable by whoever maintains the system next, including your own team if you take it in-house.