Build Fintech ProductsThat Scale and Comply

Launch payment platforms, neobanks, and card programs with 200+ engineers who've built systems processing €10B+ annually. PSD2, MiCAR, and PCI DSS compliance engineered from day one.

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Why Payments and Banking Software Is Hard to Get Right

Building fintech products requires deep domain expertise. Generic dev shops miss the nuances that make or break compliance and scalability.

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Regulatory Complexity Keeps Growing

PSD2, PSD3, MiCAR, FCA requirements, and EMI licensing all add layers across markets. We architect compliance into your system from day one.

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Integration Sprawl Slows Delivery

Card schemes, payment rails, core banking APIs, and KYC/AML providers all have their own certification paths. We've completed 50+ and know the shortcuts.

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Time-to-Market Pressure Is Relentless

Investors and boards expect launches in months, rather than years. Our pre-built fintech accelerators and proven delivery frameworks compress timelines by up to 40%.

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Senior Fintech Engineers Are Scarce

Finding developers who understand PCI DSS, Visa/Mastercard scheme rules, and SEPA payment rails is a different game. 80% of our team works exclusively in fintech.

Our Fintech Software Development Services

End-to-end engineering for payment companies, digital banks, and financial institutions, from architecture to production.

Payment Platform Development

PSP/acquiring platforms, payment orchestration, multi-rail routing (SEPA, Faster Payments, SWIFT), and merchant onboarding with scheme certification.

PSP/acquiring platforms, payment orchestration, multi-rail routing (SEPA, Faster Payments, SWIFT), and merchant onboarding with scheme certification.

Neobank & Digital Banking

Core banking architecture, account management, transaction processing, and mobile apps. EMI/PI infrastructure with built-in KYC, AML, and SCA flows.

Core banking architecture, account management, transaction processing, and mobile apps. EMI/PI infrastructure with built-in KYC, AML, and SCA flows.

Card Issuing Programs

Card issuing platforms, prepaid and credit programs, BIN sponsorship integration, and Visa/Mastercard certification. Launched in as little as 6 months.

Card issuing platforms, prepaid and credit programs, BIN sponsorship integration, and Visa/Mastercard certification. Launched in as little as 6 months.

BaaS & White-Label Platforms

BaaS infrastructure with customizable white label cores. Deploy branded neobank apps, digital wallets, or PFM platforms on a reliable foundation.

BaaS infrastructure with customizable white label cores. Deploy branded neobank apps, digital wallets, or PFM platforms on a reliable foundation.

Compliance & Security Engineering

PCI DSS–compliant architecture, PSD2/PSD3 SCA, GDPR-ready data handling, ISO 27001 best practices, and OWASP-aligned protection for financial systems.

PCI DSS–compliant architecture, PSD2/PSD3 SCA, GDPR-ready data handling, ISO 27001 best practices, and OWASP-aligned protection for financial systems.

Crypto & DeFi Infrastructure

Exchange platforms, digital asset custody, smart contract development, and MiCAR-compliant crypto service architecture for licensed CASP operations.

Exchange platforms, digital asset custody, smart contract development, and MiCAR-compliant crypto service architecture for licensed CASP operations.

From Architecture to Production in Sprints

01

Discovery & Architecture

Identify regulatory needs, outline the technical framework, and assess practical viability.

02

MVP & Core Build

Deliver a working product with core payment and banking flows in just three to four months.

03

Integrations & Compliance

Link payment systems, card networks, and KYC/AML processes while securing necessary certifications.

04

Launch & Certification

Production deployment, scheme certification, regulatory sign-off, go-live.

05

Scale & Optimise

Fine-tuning performance, adding new features, launching in fresh markets, and providing continuous support.

Fintech Domain Expertise Built Over 11 Years

Every capability comes from actual project experience, not theoretical knowledge alone.

PSD2/PSD3 & Open Banking

Article 97 SCA flows, consent management, TPP connectivity, PIS/AIS integrations.

Article 97 SCA flows, consent management, TPP connectivity, PIS/AIS integrations.

Visa & Mastercard Scheme Certification

Card program setup, BIN management, scheme-compliant processing, certification guidance.

Card program setup, BIN management, scheme-compliant processing, certification guidance.

Multi-Rail Payment Routing

SEPA, Faster Payments, SWIFT, A2A transfers, smart payment orchestration.

SEPA, Faster Payments, SWIFT, A2A transfers, smart payment orchestration.

KYC, AML & Transaction Monitoring

Identity verification, sanctions screening, risk scoring, regulatory reporting pipelines.

Identity verification, sanctions screening, risk scoring, regulatory reporting pipelines.

MiCAR & Crypto Compliance

Custody architecture, CASP licensing prep, digital asset management systems.

Custody architecture, CASP licensing prep, digital asset management systems.

Fintech Companies That Choose Kindgeek

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Advant

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Decta

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payabl.

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JAJA

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HyperJar

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IFG

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G2G

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Tempo

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EasyMoney

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Diaspora

Finvoice.svg

Finvoice

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Asoko Insight

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YouCapital

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STCpay

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Greenvest

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BioPay

A Tech Stack Built for Scale and Regulatory Complexity

Our architectural choices are guided by the needs of fintech: security, auditability, and high availability.

Backend

Java · .NET · Node.js · Python

Java · .NET · Node.js · Python

Frontend

React · Angular · React Native · Flutter

React · Angular · React Native · Flutter

Cloud

AWS · Azure · GCP · Kubernetes

AWS · Azure · GCP · Kubernetes

Data

PostgreSQL · MongoDB · Redis · Kafka

PostgreSQL · MongoDB · Redis · Kafka

Payment Rails

SEPA · Faster Payments · SWIFT · A2A

SEPA · Faster Payments · SWIFT · A2A

Card Schemes

Visa · Mastercard · AmEx · UnionPay

Visa · Mastercard · AmEx · UnionPay

Security

PCI DSS · ISO 27001 · SOC 2 · OWASP

PCI DSS · ISO 27001 · SOC 2 · OWASP

Compliance

PSD2/PSD3 · MiCAR · GDPR · FCA

PSD2/PSD3 · MiCAR · GDPR · FCA

Identity & Access

Keycloak · OAuth 2.0 · OpenID Connect · SAML

Keycloak · OAuth 2.0 · OpenID Connect · SAML

More Than a Decade of Fintech Delivery

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Thekla Paschali

CTO, payabl.

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Chris Lowrie

COO, HyperJar Limited

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David Ramsay

Head of Engineering, COO Decta UK

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Amaar Khan

Product Owner, Jaja Finance

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James Vogel

Owner, Digitech Venture Capital Fund

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Matt Derrick

CEO, CipherLab

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Vishnu Kumar

Chief Financial Engineer, The Interface Financial Group

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Build your fintech product with engineers fluent in payment solutions

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