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FINTECH SOFTWARE DEVELOPMENT

Fintech Software Development Services

A fintech product is a set of money movements that must always add up. We build payment, lending, wallet and investing software around a correct ledger, tested integrations and auditable security, then put a product people enjoy using on top.

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BONUS Free: Fintech architecture checklist — the ledger, integration and security decisions we review before writing code for a fintech product.

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In short: Northell Design provides fintech software development services: we engineer payment, lending, wallet and investing platforms, from architecture and integrations to secure releases, for startups and financial institutions.
CAPABILITIES

What Fintech Software Development Covers

Ledger & transaction engines

Double-entry ledgers, balances, holds and reconciliation that stay correct under retries and partial failures.

Payments & payouts

Card, bank transfer and local payment methods through processors, with webhooks, refunds and disputes handled.

Lending & credit workflows

Applications, scoring integrations, offers, repayment schedules and collections.

Open banking & data

Account aggregation, transaction categorisation and affordability checks through regulated providers.

FIT CHECK

Built for Specific Buyers, Not Everyone

Funded fintech startups

Need a senior team to build the regulated core of the product correctly the first time.

Financial institutions

Adding a digital product line without waiting for an internal platform roadmap.

Companies embedding finance

Adding payments, lending or wallets to an existing platform or marketplace.

If you only need a simple checkout on a website, a hosted payment page from your processor is cheaper than custom fintech engineering.

PROCESS

From Kickoff to Launch

01

Money-flow discovery

Every flow of funds, partner and failure case mapped before estimates.

→ Flow map + scope
02

Architecture & security design

Ledger model, idempotency, secrets, encryption and access control agreed.

→ Architecture document
03

Sandbox build

Features built against partner sandboxes with automated reconciliation tests.

→ Tested release candidate
04

Go-live & operations

Penetration test support, monitoring, alerting and on-call handover.

→ Production platform
STACK

Technologies We Use

Frontend & mobile
ReactNext.jsTypeScriptReact NativeFlutterSwiftKotlin
Backend
Node.jsJavaPythonPostgreSQLKafka
Fintech APIs
StripePlaid / open bankingAdyenKYC providers (Onfido, Sumsub)
Infrastructure
AWSDockerKubernetesTerraformCI/CD
STANDARDS

Compliance and Standards We Build To

PCI DSS

Card data handled by PCI-compliant processors and tokenised, so your platform stays out of scope wherever possible.

PSD2 / open banking

Strong customer authentication and account access through regulated aggregators and bank APIs.

KYC / AML

Identity verification, sanctions screening and transaction monitoring through specialist providers, with audit trails.

SOC 2 / GDPR-ready engineering

Encryption, access control, logging and data retention designed in from the first sprint.

CASE STUDIES

Related Work

FAQ

Common Questions About Fintech Software Development

What does Northell Design include in fintech software development?

Architecture, ledger and transaction design, payment and banking integrations, KYC and onboarding, customer apps, back office, security engineering, testing against partner sandboxes, and support after launch. Product design is included when you need it.

How does Northell Design keep financial data secure?

Card data stays with PCI-compliant processors and is tokenised. Everything else is encrypted in transit and at rest, secrets are managed outside the code, access is role-based and logged, and we support your penetration tests and security reviews before go-live.

Can Northell Design take over an existing fintech codebase?

Yes. We start with a code, ledger and integration review to find where balances or reconciliation can drift and where security is weak, fix the risky parts first, then continue feature work.

Which payment and banking providers can you integrate?

Processors such as Stripe and Adyen, open banking aggregators, card issuing and banking-as-a-service platforms, KYC providers and accounting systems. We confirm each provider's API and licensing constraints during discovery.

How do you prevent balance and reconciliation errors?

With a double-entry ledger, idempotent APIs, webhook replay handling and automated reconciliation against partner reports, so every discrepancy is detected and explained rather than silently absorbed.

Do you help with regulatory approval?

We don't provide legal advice or licences, but we design the system so your compliance team can evidence controls: audit logs, access reviews, data retention and change history.

How is a fintech development project priced?

After a scoping call we propose either a fixed-scope first release or a dedicated team, depending on how settled the requirements are. We don't publish one price because partner and regulatory scope change it significantly.

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