Digital Wallets & Payment Apps
P2P transfers, QR payments, bill pay, and card management with sub-second transaction processing. PCI DSS scope is minimized by design to cut your audit cost and risk.
Industry Solutions
Fintech Software Development
Payment, lending, and wealth platforms built to PCI DSS and SOC 2 standards, with the audit trail designed in rather than added later.
In fintech, a single security lapse or hour of downtime destroys years of trust. Devlex Infotech engineers payment apps, neobanking platforms, and lending systems with security architecture reviewed at every sprint — encryption, fraud controls, and regulatory reporting are core design inputs, not afterthoughts.
We build for banks, NBFCs, and payment startups, where a ledger that does not balance is a business problem rather than a bug ticket. Our work targets PCI DSS, PSD2, and ISO 27001 requirements, and we expect client-commissioned penetration testing before release — it is easier to design for than to argue with.
PCI DSSAligned Payment Flows
14-20 wksTypical First Release
From $35Advanced Feature Work
What We Build
Fintech Software Solution We Deliver
Neobanking Platforms
Full digital banking stacks with KYC onboarding, account management, and card issuing via BaaS providers. Launch a branded bank experience in months, not years.
Lending & Loan Origination
Digital loan journeys from application to disbursal with credit bureau integration and automated underwriting rules. Clients cut loan approval times from days to under 30 minutes.
Wealth & Investment Apps
Trading, robo-advisory, and portfolio tracking apps with real-time market data feeds and goal-based planning. Built for the regulatory reporting your license demands.
Insurtech Solutions
Policy management, instant quote engines, and AI-assisted claims processing for insurers and brokers. Straight-through processing reduces claim settlement time by up to 60%.
Fraud Detection & Risk Engines
ML-based transaction scoring, velocity checks, and device fingerprinting that flag fraud in real time. Tunable rules keep false positives low so good customers are never blocked.
Key Features
Features That Set Your Platform Apart
- Instant P2P Transfers
- KYC & AML Onboarding
- Card Issuing & Management
- Real-time Fraud Alerts
- Recurring Payments & Mandates
- Multi-currency Accounts
- Credit Scoring Dashboards
- Biometric Authentication
- Transaction Analytics
- Regulatory Reporting
Compliance First
Built To Meet Industry Standards
PCI DSSPSD2SOC 2ISO 27001GDPRKYC/AML
Who We Serve
Built For Every Player In The Ecosystem
From early-stage startups to established enterprises, we tailor solutions to your scale.
- Banks & credit unions
- NBFCs & digital lenders
- Payment service providers
- Wealthtech startups
- Insurance companies
- Remittance companies
- Crypto & blockchain ventures
- Accounting & tax platforms
Technologies
Stack We Rely On
Modern, battle-tested technologies chosen for reliability and scale.
- Node.js
- Java (Spring Boot)
- React
- Kotlin
- Swift
- PostgreSQL
- Kafka
- AWS
Success Story
PaySwift — Building the Everyday Wallet for Southeast Asia's Mobile-first Millions
This is a reference build: what we design and construct when a payments company needs a consumer wallet. The requirements repeat across markets — peer-to-peer transfers, QR merchan…
4 modulesWallet, P2P, QR, Bill Pay
PCI DSSAligned Payment Flows
From $35Advanced Feature Work
0Years of Experience
0Projects Delivered
0Global Clients
0In-house Experts
0Countries Served
0Code Ownership
How We Work
What You Get In Writing
Terms that go into every agreement we sign. See all client commitments.
A Written Price Before Work Starts
Every job gets a scope and a number in writing first — a fixed price for defined work, or an hourly rate with a capped estimate. If scope changes, we re-quote before we build, not after.
You Own the Code
Source code, designs, and data are yours. We work in your repository where possible, hand over full documentation, and transfer everything at the end. No license fees, no hostage situations.
NDA Before You Share Anything
We sign your NDA — or send ours — before the first technical conversation. Your idea, your data, and your customer information stay confidential during and after the engagement.
FAQ
Fintech Software Solution — FAQs
Everything you need to know before starting your project. Still have questions? Talk to our team.
A wallet or payments MVP typically runs $40,000-$80,000; a neobanking or lending platform with KYC, compliance, and admin tooling ranges $80,000-$180,000. Security and compliance work is itemized in the quote, never bolted on later.
A compliant MVP usually takes 4-6 months including security audits and sandbox-to-production payment gateway migration. We sequence regulatory dependencies early so licensing never blocks your launch date.
We tokenize card data through certified processors so sensitive data never touches your servers, encrypt everything at rest and in transit, and run static analysis plus third-party penetration tests before release. SOC 2-aligned processes govern our entire delivery pipeline.
Yes — we have integrated Stripe, Plaid, Razorpay, Wise, Visa and Mastercard APIs, plus core banking systems and credit bureaus like Experian and CIBIL. Open banking (PSD2) integrations are a core competency.
We offer monitoring with SLA-backed response times for critical incidents, plus scheduled security reviews. Uptime targets are agreed with you and written into the SLA, then reported against monthly — we would rather commit to a number in your contract than publish one in a brochure.
Ship a Fintech Product Regulators and Users Both Trust
Book a free architecture and compliance consultation with our fintech leads — NDA signed before the first call.