FINTECH · INDIA

Fintech Software Development Company in India

Birtik Tech builds fintech products for Indian and global financial services teams - payment platforms, lending stacks, neobanking apps, wealth-tech dashboards, and KYC/AML automation. We ship with audit logging, transaction integrity, and security review baked in from day one.

COMPLIANCE & STANDARDS WE BUILD TO
PCI-DSS patternsRBI guidelines (digital lending, PA/PG)DPDP ActSEBI guidelinesAML / KYC
FINTECH · CHALLENGES

What we hear from fintech teams

The recurring problems we have heard across discovery calls with fintech clients - and where good software actually moves the needle.

Speed vs. security trade-off

Founders need to ship fast, but cutting corners on audit logging, idempotency, or reconciliation almost always costs more to fix than it saved.

Regulatory layering

RBI digital-lending rules, SEBI investment guidelines, and PCI-DSS for payments stack on top of each other. Architecture has to absorb all three.

Reconciliation pain

Mismatched ledgers between banks, gateways, and internal systems is the most common fintech operational issue. It needs first-class tooling.

Identity, fraud, AML

KYC, sanctions screening, and fraud signals have to be in the request path - not in a back-office spreadsheet.

WHAT WE BUILD

Fintech software we ship every quarter

Production builds we have shipped - each tuned to the operating model of an Indian fintech business.

Payment platforms

Payment-gateway integrations, payment-aggregator products, subscription billing, and recurring-payment infrastructure.

Lending stacks

Origination, KYC, underwriting, disbursal, and collections - modular so each lender plugs in their own scoring logic.

Neobanking & wallets

Customer-facing apps for prepaid wallets, BAAS-powered neobanks, and corporate-spend management products.

Wealth-tech dashboards

Investor onboarding, portfolio analytics, and reporting tools for RIAs, brokers, and PMS firms.

STACK

A modern, fit-for-purpose technology stack

Node.js / GoPostgreSQL + event sourcingKafka / Redis StreamsAWS / GCPOAuth2 + step-up auth
Explore our full technology stack
FAQ

Frequently asked questions

The questions fintech founders and operators ask before getting started.

A focused digital-lending, payments, or wealth-tech MVP in India typically lands between ₹15–35 lakh. Full neobanking platforms, broker / RIA tech, and multi-product fintech suites run ₹40 lakh to ₹1.5 crore depending on regulatory scope, integration depth, and ledger complexity. We share a written, milestone-based estimate once RBI / SEBI scope and gateway integrations are mapped.
We design fintech systems to PCI-DSS patterns from day one - card-data tokenisation, vaulting via PCI-certified gateways (Razorpay, PayU, Stripe), segmented PCI environments, audit logging, key rotation via AWS KMS or HSM, and least-privilege access. Final PCI certification depends on operational policies and annual audits; we make the engineering foundation auditable and ready for an external QSA review.
Yes. We have shipped lending products aligned with RBI's digital-lending norms - LSP / regulated-entity separation, clear borrower disclosures, KFS generation, cooling-off periods, grievance redressal flows, and audit-trail capture. For broker / RIA / PMS tech we work to SEBI patterns including KYC, suitability assessments, and reporting hooks.
Yes. We have integrated UPI (via PSP partners like Razorpay UPI, PayU, and direct UPI 2.0 where licensed), NPCI rails (NACH, AePS, IMPS), Aadhaar-based eKYC and e-Sign, Account Aggregator (AA) framework, CKYC, and most Indian banking and card gateways into production fintech systems.
Every fintech build ships with a double-entry ledger, idempotent transaction APIs (so retries never double-debit), automated reconciliation against bank and gateway statements, and ops dashboards that surface breaks the moment they appear - not at end-of-day batch. Reconciliation is treated as a first-class system, not a spreadsheet after the fact.
Two-person code review on every fintech PR, automated SAST and dependency scanning in CI (Snyk, Semgrep, Dependabot), threat-modelling at design time, secrets scanning, and an external penetration test before launch for any production fintech product. Quarterly security audits and bug-bounty integration are available on retainer.
A focused digital-lending MVP, payments product, or wealth-tech app typically takes 18–28 weeks given the compliance, ledger, and integration scope. Full neobanking platforms and multi-product fintech suites run 9–15 months. We work in 2-week sprints with regulatory checkpoints baked into the plan so compliance never becomes a launch-week surprise.

Build a fintech product that ships clean

Share your idea, regulatory context, or stuck project. We respond with a written discovery plan within one business day.

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