FinTech Software That's Built for Regulators, Not Just Investors.
Payment systems, banking apps, lending platforms, and trading tools — built with the security architecture, compliance controls, and audit trails that financial software actually requires. Not retrofitted after a regulator asks about them.
The Real Problem
The Problem With Building FinTech the Normal Way
Most software agencies build fintech products the same way they build everything else. Clean UI, working features, reasonable test coverage. Hand it over, move on.
That works fine until a compliance audit asks where the transaction logs are. Or until a penetration tester finds that your API endpoints don't enforce rate limiting. Or until your payment gateway integration fails silently and money moves to the wrong account with no alert triggered. Or until you try to raise a Series A and the due diligence team asks for your SOC 2 report.
Financial software isn't just software. It's software that handles money — subject to a different standard of correctness. A bug in a productivity app costs a user some time. A bug in a payment system costs someone money — possibly a lot of it, possibly in ways that take months to unwind.
Security, compliance, and auditability aren't features you add to a fintech product. They're foundational decisions made in the first two weeks of architecture.
What We Build
FinTech Software Development Services
From payment infrastructure to full lending platforms — covering every layer that financial software demands.
Payment System Development
Payment processing, settlement, reconciliation, refund handling, dispute management — built with proper idempotency, transaction atomicity, and audit logging so every rupee, pound, or dollar is accounted for. We integrate with Razorpay, Stripe, PayU, Cashfree, PayPal, and Adyen — and handle the edge cases that don't show up in the documentation.
Digital Banking & Neobank Apps
Account management, transfers, statements, card management, and notifications — built with proper encryption at rest and in transit, session management, and multi-factor authentication. Core banking integrations via Setu, Finicity, Plaid, and Banking Circle where applicable.
Lending & Credit Platform Development
Loan origination workflows, credit scoring integrations, KYC and document verification, disbursement automation, EMI scheduling, and collections management. Built to handle the states that exist between 'approved' and 'repaid' — because that's where most of the complexity actually lives.
Trading & Investment Platforms
Order management, real-time market data feeds, portfolio tracking, P&L calculation, and reporting — built for the latency and correctness requirements that financial markets demand. Broker API integrations (Zerodha Kite, Upstox, IBKR, Alpaca) for execution. Risk controls built into the system, not bolted on.
KYC & Compliance Infrastructure
Identity verification, document OCR, face match, AML screening, and sanctions list checking — integrated into your onboarding flow rather than treated as an afterthought. We connect with Digio, Signzy, Onfido, Jumio, and CKYC, and build the internal workflows for review, rejection, re-submission, and record keeping that regulators will want to see.
Wealth Management & Personal Finance Apps
Goal-based investing tools, portfolio dashboards, financial planning calculators, and investment recommendation engines — built with proper data security for the personally sensitive financial information they handle. MF and stock data integrations via BSE StarMF, MFCentral, or broker APIs.
Payment Gateway & API Development
Building a payment gateway or financial API product? We handle the infrastructure: payment routing logic, merchant onboarding, fee calculation, payout scheduling, webhook delivery with retry logic, and the developer-facing API documentation that determines whether your product gets adopted or abandoned. PCI-DSS scope management included.
Why OrchiX
What Financial Software Requires That Most Agencies Don't Think About
Working in fintech means accepting that the normal bar for software quality isn't high enough.
Every transaction needs an audit trail.
Financial systems need to answer 'what happened and when' for every significant event — not just for debugging, but for regulatory compliance and dispute resolution. We instrument event logging into the data model from the start. Into the core transaction flow, not as a logging service that might miss events.
Idempotency is non-negotiable in payment flows.
Network failures in payment systems don't mean the transaction didn't go through — they mean you don't know. Without idempotency keys and proper duplicate detection, retries create double charges. We design payment flows to handle network uncertainty correctly, which is one of those things that sounds simple and isn't.
Security architecture before features.
Encryption at rest and in transit, proper secret management (no hardcoded API keys), rate limiting on all endpoints, token expiry, session invalidation, and input validation on every API surface. We treat these as baseline requirements, not optional hardening.
Compliance isn't a checkbox — it's architecture.
PCI-DSS scope reduction, data residency requirements, GDPR-appropriate data handling, RBI data localisation, KYC record retention — these affect your database design, your infrastructure choices, your logging strategy, and your vendor selection. We design for the regulatory environment your product operates in.
Failure modes need explicit design.
What happens when a payment gateway times out at 2am? What happens when a KYC provider is down during peak onboarding hours? What happens when a market data feed goes stale? Financial products need explicit, tested answers to these questions — not 'we'll handle it if it comes up.'
Technology
Technology & Financial Integrations We Work With
We don't lock into a single vendor or framework. We match the stack to your use case, latency requirements, and regulatory environment.
Payment Gateways
Razorpay, Stripe, PayU, Cashfree, Paytm, Adyen, PayPal, Braintree, Airwallex
Banking & Open Banking APIs
Setu, Finbox, Plaid, Finicity, Yodlee, Banking Circle, RBI NACH
KYC & Verification
Digio, Signzy, Onfido, Jumio, IDfy, CKYC Registry, VideoKYC providers
Capital Markets
Zerodha Kite Connect, Upstox API, IBKR TWS, Alpaca, BSE StarMF, NSE APIs
Card Issuance
M2P Fintech, Zeta, GPS (Global Processing Services), Marqeta
AML & Compliance
Refinitiv World-Check, ComplyAdvantage, ACTICO
Infrastructure
AWS (with GovCloud for data residency), Microsoft Azure, Google Cloud
Backend
Python (FastAPI / Django), Node.js, Go — chosen based on latency requirements
Databases
PostgreSQL, TimescaleDB (time-series financial data), Redis, ClickHouse
Security
HashiCorp Vault, AWS Secrets Manager, OWASP-aligned API security
Compliance
Compliance We Design For
Compliance in fintech is jurisdiction-specific. We're software engineers, not lawyers — we build the technical infrastructure that supports compliance. We work alongside your legal and compliance team.
India
RBI guidelines for payment aggregators and digital lending, SEBI regulations for investment platforms, IRDAI for insurance tech, PPI licence requirements, NACH and eNACH integration, CKYC and VideoKYC requirements, UPI integration via payment gateways.
UK & Europe
FCA regulated activity considerations, GDPR data handling requirements, PSD2 and open banking compliance, MiFID II reporting requirements for trading platforms, DORA readiness for financial institutions.
United States
PCI-DSS scope management for card processing, FinCEN BSA/AML considerations, SEC reporting API requirements, state money transmitter licence awareness.
International
FATF AML guidelines, SWIFT integration, cross-border payment compliance, sanctions screening requirements.
In Practice
FinTech Products We've Built
Concrete examples — so you can see what production-grade fintech software actually looks like before we scope yours.
Digital Lending Platform
Full loan origination flow — borrower onboarding with VideoKYC, credit bureau integration (CIBIL, Experian), automated underwriting rules engine, digital loan agreement with eSign, Razorpay disbursement, EMI scheduling, and automated payment reminders via SMS and WhatsApp. Went from wireframes to live borrowers in 14 weeks.
B2B Payment Reconciliation Tool
Finance teams spending 15+ hours weekly reconciling payments across three bank accounts and two payment gateways. We built an automated reconciliation engine that pulls transaction data via banking APIs, matches against invoices in their ERP, flags exceptions, and generates a daily report. Reconciliation time: 15 hours to 25 minutes per week.
Retail Trading Platform
Web and mobile trading platform with Zerodha Kite Connect integration for order execution, real-time market data via WebSocket feeds, portfolio P&L calculation, options chain viewer, and GTT order support. Risk controls — position limits, exposure warnings, margin checks — built into the order flow, not the UI.
Neobank Onboarding & Account Management
KYC onboarding with Aadhaar eKYC and VideoKYC fallback, virtual account issuance via M2P, UPI registration, transaction history, and statement generation. Full audit log of every state change in the account lifecycle. RBI-compliant data handling throughout.
FAQ
Questions About FinTech Development
We understand the technical requirements that flow from Indian financial regulations — data localisation, KYC record retention, audit logging, NACH integration requirements. We're not a compliance consultancy and we don't give regulatory advice. For regulatory interpretation, you need a qualified compliance officer or legal team alongside the engineering work — and we're used to working with them.
Yes. We've integrated with BaaS providers including M2P, Zeta, and similar platforms. BaaS significantly reduces the regulatory surface area for most fintech products — you get the financial infrastructure without needing a banking licence. We'll help you evaluate which BaaS provider fits your product and build on top of their APIs.
We design payment flows to minimise PCI-DSS scope — typically by tokenising card data at the point of capture using the gateway's hosted fields or SDK, so raw card numbers never touch our servers. For products that require more extensive PCI scope, we document the cardholder data environment, implement the required controls, and produce the evidence needed for your QSA assessment. We don't do QSA assessments ourselves.
A focused fintech MVP — one core workflow with proper security and basic compliance infrastructure — typically takes 12–16 weeks. More complex products (full lending platforms, trading systems with real-time data) take 20–36 weeks. The compliance and security requirements that distinguish fintech from general software add time upfront and save significant time and cost later.
Fintech MVP builds typically run $50,000–$120,000 depending on scope and compliance requirements. Full platforms run $120,000–$400,000+. The range is wide because the compliance surface area varies significantly by product type and jurisdiction. We scope properly before committing to numbers.
Yes, before any detailed discussion of your product. Financial product ideas and architecture are legitimately sensitive. Standard NDA is available for signature before scoping conversations.