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Fintech
Fintech platforms built for real financial scale.
We build production fintech software — payment apps, digital wallets, lending platforms, and investment dashboards. Security-first, compliance-aware, and built to handle the complexity that off-the-shelf solutions can't.
Every Layer Of a modern fintech platform
From patient-facing booking apps to clinic admin tools — we engineer the full healthcare stack.
Payment apps & digital wallets
Mobile-first payment applications with P2P transfers, digital wallet management, top-up flows, transaction history, and multi-currency support — built with PCI DSS-aware architecture from day one.
Lending & credit platforms
Loan origination, credit scoring integrations, repayment scheduling, borrower portals, and lender dashboards — engineered for the compliance and audit requirements of lending products.
Investment & trading dashboards
Portfolio management interfaces, real-time market data visualisations, trade execution flows, and reporting dashboards — built for retail investors and institutional clients alike.
Invoice & expense management
B2B financial management tools — invoice creation and tracking, expense categorisation, approval workflows, multi-currency reconciliation, and accounting integrations.
Payment gateway integration
Stripe, Razorpay, PayPal, Braintree, SEPA, and open banking API integrations — with webhook handling, retry logic, refund flows, and full payment reconciliation built in.
Financial analytics & reporting
Transaction reporting, revenue analytics, fraud monitoring dashboards, and regulatory reporting tools — giving your compliance and finance teams the data they need in real time.
Payment complexity, solved from day one
Fintech products live or die on trust. We engineer payment flows, audit trails, and access controls that make compliance a feature, not an afterthought.
Security-first, compliance-aware fintech engineering
- Fintech products fail in production when security and compliance are added late. We engineer them in from the start: PCI DSS-aware payment flows, encrypted data storage, role-based access controls, and audit trails that satisfy regulatory requirements without slowing the product down.
- Across our projects we have integrated Stripe, Razorpay, Apple Pay, Google Pay, and SEPA — with webhook handling, reconciliation flows, and refund logic engineered to handle real-world edge cases, not just happy paths.
Built for how financial products actually works
Financial products fail when engineering teams treat payments as a simple API call. We engineer the edge cases — failed payments, disputes, reconciliation, compliance — before they become production incidents.
Security from the architecture up
Encryption at rest and in transit, tokenised payment data, role-based access, and session management designed to pass security audits not just development checklists.
Payment reconciliation & reporting
Automated matching of payment gateway events to internal transaction records with daily reconciliation reports, exception flagging, and audit-ready ledger exports for your finance team.
Multi-currency & cross-border
Display prices in local currencies, process payments in multiple currencies, handle FX conversion, and settle in your base currency with full transparency at every step of the flow.
Compliance & audit trail
Every financial action payment, refund, approval, access event is logged with timestamp, actor, and state. Audit trails that satisfy GDPR, PSD2, FCA, and AML requirements.
What every platform we build includes:
Payment gateway integration
Stripe · Razorpay · Apple Pay · Google Pay
PCI DSS-aware architecture
Tokenised · encrypted · no raw card storage
Financial analytics dashboard
Transactions · revenue · reconciliation
Real-time payment webhooks
Confirmations · failures · refunds · disputes
Cloud infrastructure
Scalable · reliable · yours to own
Proven technology for production fintech platforms
Who We Work With
Built for fintech teams at every stage
Fintech startups
You have a financial product idea a payment app, a lending platform, a budgeting tool. We bring the security architecture, payment expertise, and full-stack depth to build it right from day one
Businesses adding payment features
Your existing product needs to accept payments, issue invoices, or manage subscriptions. We integrate Stripe, Razorpay, or your chosen gateway cleanly into your current architecture.
Cross-border & multi-currency platforms
You operate across markets and need multi-currency pricing, localised payment methods, and cross-border settlement. We build the financial plumbing that makes this seamless for users.
B2B financial management tools
Invoice management, expense tracking, financial reporting, payroll tools — B2B financial products that help businesses manage their money. We know the workflows and the compliance requirements.
Frequently Asked Questions
We build with PCI DSS compliance in mind from the start — using Stripe’s tokenisation so raw card data never touches your servers, implementing encrypted data storage, and following Stripe’s recommended integration patterns. For full PCI DSS Level 1 certification, we work alongside your compliance team.
Stripe, Razorpay, PayPal, Braintree, Apple Pay, Google Pay, SEPA (for EU), and open banking APIs. We can also integrate with regional gateways for specific markets. If it has an API, we can integrate it.
Yes. We handle currency display, FX conversion logic, multi-currency checkout, and settlement in your base currency — with full transparency at each step.
Failed payment retries, webhook event handling, reconciliation against gateway statements, and exception flagging are all engineered in — not bolted on after launch. We build the financial operations tooling your team needs to manage payments at scale without manual intervention.
A focused payment app or digital wallet typically takes 14–18 weeks. A more complex lending platform, investment dashboard, or multi-currency B2B tool is 20–30 weeks depending on compliance requirements. We scope clearly in discovery.
Need more help?
Our Support team is here for you.
We Build Software Across Industries
Appgenix delivers custom software, mobile apps, and AI solutions for businesses in every sector.
AI Software
LMS platforms, adaptive learning software, and institutional management systems.
Healthcare
HIPAA-compliant platforms, telemedicine infrastructure, and patient-first digital experiences.
Education
LMS platforms, adaptive learning software, and institutional management systems.
Retail & E-Commerce
Omnichannel retail systems, inventory management, and personalized shopping engines.
Logistics & Delivery
Route optimization, fleet tracking, and supply chain visibility platforms.
Real Estate
PropTech solutions for property management, virtual tours, and investment analysis tools.
Let’s build something great together!
Expert Guidance
From industry experts
Tailored Solutions
For your business needs
On-Time Delivery
Your success, our priority