Fintech Software Development Services
Fintech software your
compliance team
Fintech software your
compliance team
doesn't
have to rewrite.
Payment infrastructure, SaaS products, and enterprise financial platforms built with PCI-DSS, SOC 2, and GDPR compliance as architecture requirements — not afterthoughts.
PCI-DSS L1
SOC 2 Type II
GDPR
PSD2
Open Banking
FFIEC
Stripe / Plaid APIs
Tokenization
Payment Volume$2.4T+12%Open Banking APIs7,200livePCI Compliance Fines$100Kavg penaltyFintech Market$340B2024API-first Fintechs83%of launchesData Breach Cost$4.45Mavg 2023Payment Volume$2.4T+12%Open Banking APIs7,200livePCI Compliance Fines$100Kavg penaltyFintech Market$340B2024API-first Fintechs83%of launchesData Breach Cost$4.45Mavg 2023
Hero · Fintech engineering team at large monitor wall, payment dashboard data
Replace with fintech engineering team, large monitor wall with payment dashboard, natural overhead light, wide angle · 1600×900
Why Fintech Builds Break
The compliance gap shows up
The compliance gap shows up
in production. Not in the spec.
68%
of fintech startups miss first compliance audit
PCI-DSS and SOC 2 requirements were not in scope at the architecture stage. They were retrofitted six months later at three times the cost.
$4.4M
avg cost of a financial sector data breach (2023)
Encryption at rest, tokenization, and access control are architecture decisions. They cannot be appended to a system that wasn't designed for them.
14mo
avg time to rebuild a legacy payment system
Payment rails built in 2014 cannot support real-time settlement, open banking APIs, or embedded finance without a ground-up architectural rethink.
What fintech CTOs say at sprint 8
"We built fast. Now we need six months to add two-factor auth because the session layer was never designed for it."
Composite quote from fintech customer relationship management onboarding calls
Security and compliance requirements land in scope before the data model is written
Payment systems designed for the transaction volumes you will have in year three, not year one
No surprise refactors when your auditor arrives
Pain · Fintech developer reviewing compliance audit failure report, stressed focus
Replace with fintech developer reviewing compliance audit results, warm screen glow, side angle, stressed concentration · 800×1000
Your Architecture Readiness
Is your fintech platform
Is your fintech platform
built for scale and audit?
Select the items your current system already handles. Your score tells you where the architecture gaps are before your next compliance review or funding round.
0
/ 100
Start selecting to assess your platform
RiskyNeeds workProduction-ready
Architecture is production-ready
Your platform already meets the baseline. A fintech code audit can surface the remaining edge cases before your next compliance review.
Book a Fintech Architecture ReviewSecurity and Compliance
Encryption at rest and in transit (AES-256, TLS 1.3)
+8 pts
PCI-DSS scope isolation and cardholder data environment
+10 pts
Role-based access control with audit log on all data
operations
+7 pts
Payment Infrastructure
Payment tokenization (Stripe, Braintree, or equivalent
vault)
+9 pts
Idempotent transaction logic preventing double charges
+8 pts
Reconciliation system with automatic discrepancy
detection
+6 pts
API and Integration Architecture
OAuth 2.0 or OIDC authentication on all API endpoints
+9 pts
Rate limiting and fraud detection on payment and auth
flows
+7 pts
Webhook delivery with signature verification and retry
queues
+6 pts
Reliability and Operations
99.9%+ SLA with health checks, alerting, and on-call
runbooks
+8 pts
Disaster recovery with tested failover and RTO under 4
hours
+7 pts
Immutable audit logs with tamper-evident storage
+5 pts
Compliance gap impact
Score 0-40High-risk — pre-Series A architectures typically land
here
Score 41-70PCI audit will surface 4-8 remediation findings
Score 71-100Enterprise-ready — institutional clients can
onboard
Security Posture Overview
PCI Status
Compliant
SOC 2
Type II
Encryption
AES-256
Uptime
99.97%
Vulnerability Scan
No critical findings96/100
What We Build
Five fintech service lines.
Five fintech service lines.
One engineering standard.
Payment rails, gateway integration, and reconciliation systems for platforms processing from $10K to $10M per month. Stripe, Braintree, Adyen, and custom ACH/SEPA implementations.
Subscription billing with proration, upgrades, and
dunning
Real-time transaction monitoring and fraud
scoring
Multi-currency settlement and FX conversion
Tokenization vault with card-on-file
management
Today's Volume$0
0%
Success
0
Txns
0.02%
Fraud
TXN-20481$1,240.00success
TXN-20480$88.50success
TXN-20479$3,500.00processing
Multi-tenant financial SaaS platforms: lending portals, wealth management dashboards, insurance aggregators, and business-to-business spend management tools. Architecture that supports per-tenant data isolation and white-label configurations.
Tenant-isolated data architecture
Usage-based and seat billing models
Financial reporting and PDF generation
Plaid, MX, and Open Banking connectors
Consumer wallets, neobank companions, investment apps, and P2P transfer platforms for iOS and Android. Biometric auth, in-app card management, and real-time balance with push notification rules.
Biometric auth (Face ID, fingerprint)
Apple Pay and Google Pay integration
Transaction history with search and
categorization
KYC/AML onboarding flows
Strangler-fig modernization for payment systems built pre-2015. Parallel-run migration strategy: new infrastructure handles increasing traffic while legacy processes the remainder. No big-bang cutover.
Zero-downtime migration with traffic splitting
API wrapper over legacy core banking
Data migration with full reconciliation
validation
Compliance audit trail for migrated records
PSD2-compliant Open Banking APIs, Plaid and MX bank account aggregation, embedded finance infrastructure for non-financial SaaS products adding payment capabilities. Full OpenAPI documentation.
PSD2 / Open Banking API endpoints
Plaid, MX, and Yodlee integrations
SWIFT / SEPA / ACH payment rails
Sandbox environments with test data
Client Proof
Payment platform with Stripe, PayPal,
Payment platform with Stripe, PayPal,
subscriptions, and
fraud prevention.
Case Study · Fintech product team reviewing live payment processing dashboard
Real client result
Replace with fintech product team reviewing payment dashboard, natural office light · 1200×400
Client
USA School System Platform
Educational Payment Platform
StripePayPal.NET + PHP
A custom platform consolidating school management, donation processing, and ecommerce into one compliant financial hub.
The Problem
The organization needed to consolidate school management, donation processing, and ecommerce into a single platform while ensuring secure payments, accurate data handling, and scalability. Existing systems lacked integration, automation, and consistent user experience across financial channels.
No unified payment layer. Manual reconciliation across 3 systems. No fraud prevention or tokenization.
The Result
$0K
reported monthly platform growth with Stripe + PayPal subscriptions, recurring payments, encryption, tokenization, and fraud prevention
Stripe and PayPal integrated with full tokenization
Subscriptions, recurring payments, and multi-transaction types
Encryption, tokenization, and fraud prevention throughout
Why Redefine
What compliance-ready fintech
What compliance-ready fintech
engineering actually includes.
Most agencies treat compliance as a checklist after delivery. These are our architecture standards — applied before the first pull request.
| Capability | Typical agency | Redefine | Delivery stage |
|---|---|---|---|
| Security Architecture | |||
| Encryption at rest (AES-256) | Architecture sprint | ||
| Payment tokenization (no raw PANs stored) | Architecture sprint | ||
| Immutable audit logs with tamper detection | Sprint 2 | ||
| Payment Engineering | |||
| Idempotent transaction processing | Core build | ||
| Automated reconciliation with alerts on discrepancy | Sprint 3 | ||
| Fraud scoring on transaction events | Core build | ||
| Delivery Standards | |||
| Architecture documented before coding begins | Sprint 1 | ||
| Compliance audit trail in deliverables | Handoff | ||
Included as standard
Sometimes included, often separate scope
Typically not included
Questions
What fintech teams ask before committing to a build partner.
Compliance, IP, security standards, and timeline are the real blockers. Here is what you need to know upfront.
Pricing approach
Scoped before work starts. No commitment to receive a proposal.
A fintech discovery sprint delivers a full security architecture document and compliance requirements matrix. See every line item before signing.
Yes, with scope isolation as the default approach. We never
store raw PANs. Tokenization vaults (Stripe, Braintree, or
custom HSM-backed) handle cardholder data so your system
scope is minimized from day one. We document the cardholder
data environment boundary in the architecture sprint, before
any code is written. The resulting documentation is the
starting point for your QSA relationship.
SOC 2 Trust Service Criteria are mapped to architecture
decisions in the discovery sprint. Audit logging, access
control, availability monitoring, and change management
processes are designed in from the start. We deliver a
controls documentation package at handoff: what was
implemented, where, and why — written for the auditor, not
just the engineering team. This reduces your Type II
preparation time from months to weeks.
You own everything. Code is committed to your repository
throughout the engagement. The payment integration
credentials, webhook signing secrets, and API keys are yours
from day one. Architecture documentation, security runbooks,
and audit trail documentation all transfer to your team at
handoff. No Redefine dependency to operate the system or
pass a compliance review after the project closes. This is
not negotiable — it is a delivery requirement on every
fintech project.
Discovery and architecture sprint: 2 weeks. Payment
integration with basic subscription billing: 8 to 12 weeks.
Full consumer fintech app with KYC, wallet, and push
notifications: 16 to 24 weeks. Enterprise financial SaaS
with multi-tenancy, reporting, and compliance documentation:
20 to 32 weeks. Legacy payment modernization with
parallel-run migration: 12 to 20 weeks depending on data
volume. Every project begins with a sprint plan showing
week-by-week deliverables and compliance milestones.
Yes, using a strangler-fig approach with traffic splitting.
New infrastructure handles a growing percentage of
transactions while the legacy system processes the
remainder. Both run in parallel during verification.
Reconciliation validates consistency before the cutover
percentage increases. We never flip a switch. The final
cutover is a deliberate, monitored action with automated
rollback if any metric falls below threshold. The OTT media
case in our
Python development services
page shows a zero-downtime migration under live load at
scale.
Right Match?
Select what describes your fintech build.
We are honest about fit. Fintech projects with unrealistic compliance timelines or budget constraints are the ones that fail in audit. We say so upfront.
Match score0 of 6 selected
Not sure? Tell us your situation and we will tell you directly if we are the right partner for your compliance requirements and timeline.
Building a platform that will process real payments or hold user financial data
PCI-DSS, SOC 2, and GDPR requirements apply from the first line of architecture.
Need to pass a compliance audit in the next 12 months
Architecture designed for audit means your QSA review starts with documentation, not remediation.
SaaS fintech product targeting institutional or enterprise customers
Multi-tenancy, data isolation, SOC 2, and dedicated reporting are table stakes for institutional procurement.
Existing payment system that needs to be modernized without taking the platform offline
Strangler-fig migration with parallel-run verification and automated rollback.
Probably not the right match if:
You need a payment integration added to an existing ecommerce site in under 2 weeks
Shopify and WooCommerce have pre-built integrations that are faster and cheaper for this scope.
Total project budget under $15,000
A production-ready compliant financial platform requires real architecture time. We cannot compress below the minimum.
Start Here
Tell us what you are building. We scope the compliant architecture.
No commitment. No pitch. A scoped proposal with compliance requirements and line-item pricing arrives in 3 business days.
01
Submit your brief
Describe the platform, the compliance requirements, and what is currently broken. 3 minutes.
02
Technical call within 48 hours
With a fintech architect. We ask about payment volume, compliance requirements, and integration surface.
03
Scoped proposal in 3 days
Architecture approach, compliance matrix, sprint plan, and line-item pricing.
04
Sprint 1 within 1 week of sign-off
Architecture sprint delivers security design and data model before a line of payment code is written.
Form
No commitment. No pitch. · Call within 48 hours · Proposal in 3 days
48 hours
Technical call
3 days
Scoped proposal
44+
Fintech platforms
100%
IP ownership
Brief received.
A fintech architect will review your platform requirements and send a scoped proposal with compliance matrix within 3 business days.