Secure Payment Processing
PCI-compliant payment flows with Stripe, multiple payment methods, and fraud detection.
INDUSTRY PRODUCT GUIDE
Fintech
Secure financial apps that users trust with their money
$305B by 2025Fintech Market
4.4B globallyDigital Payment Users
78% of adultsMobile Banking Adoption
OPERATING REALITY
What the product
has to account for.
Launch secure financial applications with payment processing, banking integrations, and regulatory compliance.
01 / Constraint
PCI DSS compliance for payment handling
02 / Constraint
Banking API integrations (Plaid, Stripe)
03 / Constraint
Fraud detection and prevention
04 / Constraint
Complex regulatory requirements
PRODUCT CAPABILITIES
The workflows that
carry the experience.
These are common requirements, not a fixed package. The exact release depends on the users, data, and operating environment.
Bank Account Linking
Plaid integration for account verification, balance checks, and transaction history.
Financial Dashboard
Real-time portfolio tracking, transaction categorization, and spending analytics.
KYC/AML Verification
Identity verification flows with document upload and automated verification.
TRUST AND COMPLIANCE
Requirements belong in the architecture.
Compliance is not a badge added at the end. It changes data handling, permissions, infrastructure, and delivery evidence from the beginning.
PCI DSSSOC 2GDPRState Money Transmitter Licenses
ENGINEERING CONSIDERATIONS
Decisions with downstream consequences.
- 01Never store raw card data
- 02Tokenization for sensitive financial data
- 03Multi-factor authentication
- 04Real-time fraud monitoring
COMMON PRODUCT SHAPES
What fintech software can become.
Payment appsInvestment platformsExpense trackersLending platformsCrypto wallets
QUESTIONS
Scope, risk, and delivery.
Do you handle PCI compliance?+
We use Stripe and similar PCI-compliant payment processors, which means sensitive card data never touches your servers. This significantly reduces compliance burden.
Can you integrate with banks?+
Yes, we integrate with Plaid for account linking, MX for data aggregation, and various banking APIs. Specific integrations depend on your use case.
What about regulatory requirements?+
We build the technical infrastructure. Regulatory licensing (money transmitter licenses, etc.) is typically handled by your legal team, but we can recommend compliance partners.
OTHER DOMAINS
Different context, related decisions.
DISCUSS YOUR APP
Design around the domain
from the first decision.
Share the users, workflow, constraints, and existing systems. We will shape the product around what the work actually requires.
Discuss your app