💳 FinTech Development · India & GCC

FinTech Software Built for India & GCC Markets

From payment gateway integrations to full loan origination systems — we engineer secure, compliant, high-performance financial technology for banks, NBFCs, and FinTech startups.

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What We Build

End-to-End FinTech Capabilities

Deep specialisation across the full financial technology stack — from front-end customer-facing portals to backend transaction engines and compliance tooling.

💳

Payment Gateway Integration

Full-stack payment flow setup including checkout UI, server-side webhooks, reconciliation dashboards, refund workflows, and GST-compliant invoice generation.

Razorpay PayU Cashfree Stripe MENA PayTabs KNET
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Loan Origination Systems

Custom LOS platforms for NBFCs and lending startups — borrower onboarding, KYC automation, credit bureau API integration (CIBIL, Experian), underwriting workflows, and disbursement tracking.

CIBIL API eKYC eSign Disbursement
📊

Financial Dashboards & Portals

Real-time analytics dashboards for fintech operators — transaction monitoring, fraud flag systems, revenue reporting, user-level spending analytics, and custom alerting.

Real-time Multi-currency Chargebacks
📱

Digital Wallet & UPI Products

Wallet infrastructure with balance management, P2P transfers, merchant QR flows, UPI deep-links, and auto-debit mandates. Built on RBI-compliant architecture for India.

UPI NACH e-Mandate QR Payments
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Compliance & Security Layer

PCI-DSS compliant architecture, data encryption at rest and in transit, RBI data localisation compliance, SAMA framework adherence for Saudi Arabia, and VAPT-ready codebases.

PCI-DSS RBI Compliant SAMA Ready
🔄

Subscription & Billing Engines

Recurring billing systems for SaaS and subscription businesses — plan management, proration, dunning flows, invoice automation, and multi-currency support across India and GCC.

Recurring Dunning Proration
Market Expertise

Built for Two of the World's Fastest-Growing Financial Markets

Deep understanding of local payment rails, regulatory frameworks, and user behaviour in both India and the GCC.

🇮🇳 India — UPI & Beyond

  • UPI, NACH, IMPS, NEFT integrations
  • Razorpay, Cashfree, PayU, Instamojo
  • CIBIL & Experian credit bureau APIs
  • RBI data localisation compliance
  • GST-compliant invoice generation
  • NBFC & lending platform architecture
  • Aadhaar eKYC & DigiLocker integration

🌍 GCC — Multi-market Finance

  • PayTabs, Stripe MENA, Telr, Tap Payments
  • KNET (Kuwait), Mada (Saudi Arabia)
  • Tabby & Tamara BNPL integration
  • Multi-currency (AED, SAR, KWD, QAR)
  • SAMA framework & CBUAE compliance
  • Arabic RTL payment flow UI
  • VAT-compliant invoice systems
How We Work

Our FinTech Development Process

A structured 4-phase approach that de-risks FinTech development — no surprises, full compliance from day one.

1

Discovery & Compliance Mapping

We map your regulatory obligations (RBI, SAMA, CBUAE), define the data architecture, select the right payment rails, and finalise the technical specification before writing a line of code.

2

Security-First Architecture

We design with PCI-DSS scope reduction in mind — tokenisation, encrypted data stores, least-privilege access, and audit logging built into the foundation, not bolted on later.

3

Agile Build with Weekly Demos

Two-week sprints with live working demos every Friday. You see real progress on actual infrastructure — not mockups or presentations.

4

Go-live, Testing & Handover

Full UAT, load testing, security review, payment gateway certification, and a complete handover package including runbooks and a 3-month post-launch support window.

Common Questions

FinTech Development FAQs

Which payment gateways do you integrate for India?
We integrate Razorpay, PayU, Cashfree, CCAvenue, and Instamojo for India — covering UPI, net banking, credit/debit cards, and EMI. All integrations include GST-compliant invoicing and webhook-based reconciliation.
Which payment gateways do you integrate for GCC?
PayTabs, Stripe MENA, Telr, Tabby (BNPL), Tamara, and KNET for Kuwait. All GCC integrations support multi-currency, Arabic RTL checkout UI, and are PCI-DSS compliant.
Can you build a loan origination system from scratch?
Yes. We build end-to-end LOS platforms including borrower onboarding, credit bureau API integration (CIBIL, Experian), underwriting workflow engines, e-signature, and disbursement tracking. Typical delivery is 10–14 weeks.
Do your products comply with RBI and SAMA regulations?
We build with compliance as a first-class concern — RBI data localisation, PPI norms for India; SAMA framework and CBUAE guidelines for Saudi Arabia and UAE. We work alongside your legal team and can produce architecture documentation for regulatory submissions.
How long does FinTech development take?
Payment gateway integration: 1–2 weeks. Subscription billing engine: 3–5 weeks. Full LOS or digital wallet: 8–16 weeks. We work in two-week sprints with weekly demos throughout.
What tech stack do you use for FinTech?
Backend: Node.js or Python for transaction-critical services; PostgreSQL with encrypted columns for financial data; Redis for session and rate-limiting. Frontend: Next.js / React. Infrastructure: AWS or GCP with multi-AZ deployment for high availability.

Ready to Build Your FinTech Product?

Tell us what you're building — payment gateway, lending platform, or digital wallet. We'll scope it, price it, and deliver it on time.

Get a Free FinTech Consultation