Fintech & Payments
Payment platforms, AI-powered fraud detection, and transaction systems. Architecture aligned with PSD2, PCI DSS, and AML/KYC requirements.
About this industry
Financial software has to be fast, resilient and auditable at the same time. We build payment platforms, transaction systems, customer portals and back office tools for fintechs, payment institutions and lenders. We design them with supervision in mind from the outset instead of retrofitting compliance later.
Our architectures are event-driven, with idempotent operations and a full audit trail, and sensitive data is tokenised. We integrate payment gateways, core banking systems, identity verification providers and PSD2 open banking. As transaction volumes grow, we add AI fraud detection that scores risk in real time.
Regulation frames every project: PSD2 for account access and strong customer authentication, AML rules for customer verification, DORA for operational resilience and oversight of ICT providers, PCI DSS for card data and GDPR for all personal data. As a technology partner we provide the documentation and processes that make audits smoother.
How we deliver
Risk & Requirements Analysis
Mapping payment flows, regulatory obligations, and gaps in current anti-fraud processes.
System Architecture
Microservices, event queues, and a secure vault for card data.
Development & Integration
Payment gateways, core banking, and ML models connected via API.
Audit & Deployment
Edge case testing, security audit, and production launch with monitoring.
Key challenges
Fraud Detection
ML scoring and behavioral analytics that flag suspicious transactions in real time.
Regulatory Compliance
PSD2, PCI DSS, AML/KYC, and automated regulatory reporting.
Payment Gateways
Multi-processor integration with transaction routing to the optimal provider.
Multi-Currency
Exchange rate handling and local payment methods in every market.
Subscriptions & Billing
Recurring payments, trial periods, and automatic retries on failed charges.
Reconciliation & Audit
Matching transactions against bank statements with a complete audit trail.
Compliance and security
PSD2
The directive governs payment services, third-party access to accounts (AIS, PIS) and strong customer authentication (SCA). We implement SCA flows, integrations with bank APIs and open banking aggregators, and management of customer consent for account data access.
DORA
The Digital Operational Resilience Act covers banks, payment institutions and insurers, among others. It requires ICT risk management, incident reporting, resilience testing and oversight of providers. We deliver the monitoring, business continuity plans and architecture documentation that regulated clients expect.
AML and KYC
Anti-money laundering rules require customer identification and verification, risk assessment, transaction monitoring and reporting of suspicious activity to the financial intelligence unit. We integrate identity verification providers, sanctions screening and monitoring rules with a full decision history.
PCI DSS
The standard applies to anyone who stores, processes or transmits payment card data. We design architectures that shrink PCI DSS scope - tokenisation, hosted payment fields and network segmentation - and prepare the documentation needed for compliance assessment.
Frequently asked questions
How much does it cost to build a fintech platform?
A first product version with KYC, payments and an admin panel usually falls within EUR 14,000 - 47,000. Enterprise systems with many banking integrations and extensive DORA requirements are more often EUR 47,000 - 140,000+. Our guide to custom software cost covers the factors that shape the budget in more detail.
Do we need a licence to launch a payment product?
That depends on your business model. Providing payment services usually requires authorisation or registration with the national regulator, but many companies start by partnering with a licensed payment institution or a banking-as-a-service provider. Licensing questions belong with a lawyer; we design an architecture that fits whichever model you choose.
How does AI help detect fraud?
Machine learning models score every transaction against behaviour patterns, device, location and customer history, catching anomalies that fixed rules miss. In practice we combine the model with rules and manual review by an analyst. Keep in mind that AI used to assess the creditworthiness of individuals is a high-risk system under the AI Act.
How do you handle DORA requirements as a supplier?
Financial institutions must oversee their ICT providers, so we prepare what they expect: architecture and dependency documentation, monitoring, logging and backups, described incident handling procedures and an exit plan. We also supply the information our clients need for contracts that must include the clauses DORA requires.
Have a project in mind?
Let's discuss your needs. Book a free consultation and learn how we can help bring your vision to life.
