FinTech Software That Meets Compliance From Day One
Custom payment platforms, lending apps, investment tools, and banking integrations— built for compliance, security, and scale. PCI-DSS ready. SOC 2 architecture. Audit-ready from launch.
$50M+
Transaction volume processed
100%
Audit pass rate
4-10 weeks
Typical timeline
0
Security incidents
Sound Familiar?
Building fintech is hard. Compliance is a maze, integrations are fragile, and security can't be an afterthought.
Regulatory Complexity Killing Your Speed
PCI-DSS, SOC 2, KYC/AML, state money transmitter laws—the compliance maze is endless. You're spending more time on audits than building product. One misstep and you're facing regulators, not customers.
Security Requirements Are Non-Negotiable
You're handling people's money. A single breach destroys trust permanently. Generic development teams don't understand the stakes. You need encryption, audit trails, and secure infrastructure from day one.
Banking API Integration Hell
Plaid, Stripe, Dwolla, credit bureaus, core banking systems—every integration has its own quirks, rate limits, and failure modes. You're spending weeks on what should take days, and edge cases keep breaking prod.
Scaling Transaction Volume
Your MVP handled 100 transactions per day. Now you need 10,000. Your architecture wasn't built for this. Latency is climbing, jobs are timing out, and you're patching instead of building.
What the Right Development Partner Delivers
Ship faster, stay compliant, and scale without rewriting. Build financial infrastructure that works.
Launch Faster, Stay Compliant
Compliance built into the architecture from day one. No last-minute scrambles before audits. Ship features while your competitors are still filling out questionnaires.
Security That Scales With You
Enterprise-grade security from the start. Encryption, access controls, audit logging—all the boxes checked before you handle your first dollar.
Integrations That Just Work
Clean API connections to Plaid, Stripe, banking systems, and credit bureaus. Built to handle edge cases, rate limits, and failures gracefully.
Architecture That Scales
Handle 10x transaction volume without rewriting your platform. Built for growth from the first commit.
What We Build
Full-stack fintech development—from payment rails to compliance dashboards.
Payment Platforms
Custom payment processing, merchant dashboards, payout systems, and transaction monitoring. Built for PCI-DSS compliance from the ground up.
Lending & Credit Applications
Loan origination systems, underwriting workflows, credit decisioning, and servicing platforms. Integrate with credit bureaus and banking APIs.
Investment & Wealth Tools
Portfolio management, robo-advisory platforms, trading interfaces, and performance reporting. SEC compliance considerations built in.
Banking Integrations
Core banking connections, open banking APIs, account aggregation, and real-time balance checks. Plaid, MX, Yodlee, and direct bank integrations.
Compliance Dashboards
KYC/AML workflows, transaction monitoring, suspicious activity reports, and audit trail management. Stay ahead of regulators, not scrambling to catch up.
Digital Wallets & Neobank Platforms
Card issuance, virtual accounts, P2P transfers, and mobile banking experiences. Modern financial services infrastructure.
Built for Audits, Not Scrambles
Compliance isn't a checkbox at the end—it's how we architect from day one. When regulators come knocking, you're ready.
PCI-DSS Compliance
Payment card data handled correctly from day one. Secure storage, transmission, and processing that passes audits.
SOC 2 Type II Ready
Security controls, availability, and confidentiality baked into architecture. Audit-ready documentation included.
KYC/AML Integration
Identity verification, watchlist screening, and customer due diligence workflows. Integrate with Persona, Alloy, or your preferred provider.
State Money Transmitter
Architecture that supports multi-state licensing requirements. Proper handling of custodial vs. non-custodial models.
Audit Trail Everything
Complete logging of every transaction, access, and change. When regulators ask, you have answers.
Data Encryption
AES-256 encryption at rest, TLS 1.3 in transit. Tokenization for sensitive financial data. Key management done right.
Integrations We Know
We've integrated with these providers before. We know the APIs, the edge cases, and the gotchas.
Plaid
Account linking, balance checks, transaction history, identity verification
Stripe
Payment processing, Connect for marketplaces, Treasury for banking-as-a-service
Dwolla
ACH transfers, instant payments, mass payouts
Banking APIs
Core banking integrations, FIS, Fiserv, Jack Henry, and modern BaaS providers
Credit Bureaus
Experian, Equifax, TransUnion for credit checks and soft pulls
KYC Providers
Persona, Alloy, Jumio, Onfido for identity verification and compliance
FinTech Products We Build
From neobanks to lending platforms—we've built across the fintech stack.
Neobanks & Digital Banks
Full digital banking experiences with card issuance, deposits, transfers, and bill pay. BaaS partner integration.
Account opening, card management, P2P transfers, savings tools
Payment Companies
Merchant onboarding, payment processing, and settlement. Multi-acquirer architectures for redundancy.
Checkout flows, merchant dashboards, payout systems, dispute management
Lending Platforms
Consumer lending, business loans, BNPL, and factoring. From application to servicing.
Loan origination, credit decisioning, servicing portals, collections
Investment Platforms
Brokerage, robo-advisors, and alternative investment platforms. Custodian integrations and compliance.
Portfolio management, trading, performance reporting, tax documents
B2B Financial Tools
Treasury management, AP/AR automation, and corporate card programs. Enterprise-grade security.
Cash management, invoice financing, expense management, virtual cards
Cross-Border & FX
International transfers, currency conversion, and multi-currency wallets. SWIFT, local rails, and crypto on/off ramps.
FX quotes, remittance, multi-currency accounts, correspondent banking
Why FinTech Teams Choose PSV
Not every dev shop understands financial services. We do.
We've Built Fintech Before
Not our first payment platform, lending app, or banking integration. We know what regulators look for, where APIs break, and how to build for scale from day one.
Compliance Is Architecture, Not Afterthought
We design for PCI-DSS, SOC 2, and KYC/AML from the first line of code. No 'we'll add security later' hand-waving. Your auditors will thank you.
Fixed Pricing, Clear Deliverables
You know exactly what you're paying before we start. No hourly billing that balloons when integrations get tricky. Fintech is complex enough without budget surprises.
You Own Everything
The code is yours. No per-transaction fees, no vendor lock-in. Host it anywhere. Your financial infrastructure, your control.
FinTech-Experienced vs. Generic Dev Shops
Financial software isn't like building a CRUD app. Experience matters.
| Consideration | Generic Dev Shop | FinTech-Experienced |
|---|---|---|
| Compliance Understanding | You explain PCI-DSS to them | We've built for PCI, SOC 2, KYC before |
| Security Architecture | Added after MVP is 'done' | Designed in from first commit |
| Banking API Experience | First time using Plaid's docs | Know the edge cases and gotchas |
| Scalability | Rewrite at 1,000 users | Architecture scales to millions |
| Audit Readiness | Scramble when auditors call | Documentation and controls from day one |
| Ongoing Support | Hand off and disappear | Maintenance plans for regulated software |
How We Work
A process built for fintech's unique requirements—compliance, security, and speed to market.
Discovery & Compliance Assessment
1-2 weeks
We learn your product vision, regulatory requirements, and integration needs. What licenses do you have or need? Which compliance frameworks apply? What are the security requirements?
Technical spec + compliance architecture + integration plan
Security-First Design
1-2 weeks
Architecture designed for compliance from the start—not bolted on later. Data flows, encryption strategy, access controls, and audit logging planned before we write code.
System design + security controls + fixed-price proposal
Build with Weekly Demos
4-8 weeks
Development in weekly sprints with working software every Friday. You see progress, test features, and course-correct before anything is finalized.
Working software in secure staging environment
Security Testing & Compliance Validation
1-2 weeks
Penetration testing, vulnerability scanning, and compliance documentation. We help you prepare for audits, not just pass them.
Security assessment + compliance documentation
Launch & Monitoring
1 week + ongoing
Production deployment with monitoring, alerting, and incident response. 30 days of bug fixes included. Ongoing maintenance plans available.
Live system + runbooks + support handoff
Fixed Price. Compliance-Ready. Audit-Proof.
Before we write code, you'll know exactly what you're getting, what it costs, and when it ships. Security and compliance from day one— not retrofitted before your first audit.
Built for Regulated Industries
Compliance isn't an afterthought
Frequently Asked Questions
The questions every fintech founder asks about custom development
How much does custom fintech software cost?
Most fintech projects range from $50,000 to $200,000 depending on complexity and compliance requirements. A simple payment integration might be $50K; a full lending platform with credit bureau integrations and compliance workflows could be $150K+. We provide fixed quotes after discovery.
Do you help with regulatory compliance?
We build software that meets compliance requirements—PCI-DSS, SOC 2, KYC/AML workflows. We don't provide legal or regulatory advice (you need lawyers and compliance consultants for that), but we ensure the technical architecture supports your compliance needs.
What banking and payment APIs do you work with?
We have experience with Plaid, Stripe, Dwolla, MX, Yodlee, Unit, Treasury Prime, Synapse (Lineage), and direct integrations with major core banking systems. If it has an API, we can integrate with it.
How do you handle PCI-DSS compliance?
We never store raw card numbers in your systems—we use tokenization through PCI-compliant processors like Stripe. For platforms that require more direct card handling, we design architectures that minimize PCI scope while meeting your business needs.
Can you build on top of Banking-as-a-Service providers?
Yes. We've integrated with Unit, Treasury Prime, Synapse/Lineage, Moov, and others. BaaS accelerates time-to-market significantly for banking features, and we can help you evaluate which provider fits your use case.
How long does fintech development take?
Timeline depends heavily on scope and compliance requirements. A focused payment integration might be 4-6 weeks; a full lending platform is typically 10-16 weeks. We provide realistic timelines after understanding your specific requirements.
What about ongoing maintenance and compliance updates?
Fintech software needs ongoing attention—security patches, compliance updates, and API changes from partners. We offer maintenance plans starting at $5,000/month that include monitoring, updates, and support. Or we can hand off to your team with full documentation.
We're pre-seed. Is custom development right for us?
Maybe. If you're validating product-market fit, you might start with no-code tools and off-the-shelf solutions. Once you have traction and need to scale or differentiate, custom development makes sense. We're happy to have an honest conversation about timing.
Ready to Build Your FinTech Product?
Book a free discovery call. We'll learn about your product, compliance requirements, and integration needs—then give you a clear picture of timeline, cost, and architecture.
No sales pitch. Just a straightforward conversation about your fintech product.