How much does fintech app development cost?

Fintech applications start from $25,000 for basic payment integrations and go up to $200,000+ for full banking platforms. The cost depends on regulatory requirements, security certifications, and integration complexity.

Do you build PCI DSS compliant payment systems?

Yes, WH Studio specializes in PCI DSS compliant payment gateway development. This includes tokenized card storage, encrypted transactions, secure key management, and quarterly vulnerability scans.

Can you help with SOC 2 compliance?

Absolutely. We build fintech applications with SOC 2 controls from day one, including access management, encryption, audit logging, and monitoring. We also assist through the certification process.

What payment providers do you integrate with?

We integrate with Stripe, PayPal, Plaid, Open Banking APIs, Dwolla, and custom payment processors. We also build direct bank integrations using PSD2/Open Banking standards.

How long does fintech development take?

Basic payment integrations take 4-6 weeks. Full fintech platforms with compliance, trading, or banking features take 3-6 months depending on regulatory requirements and security certifications needed.

FinTech Development · From $25,000

Secure, compliant fintech apps — built for real money.

Payment platforms, trading systems, and banking apps engineered for PCI DSS, SOC 2, PSD2, and FCA scrutiny — with a ledger that survives audit and a codebase your next engineer can actually read.

Start Your FinTech Project View FinTech Case Studies

PCI DSS · SOC 2 · PSD2 · Open Banking

Why a specialist

Why fintech founders bring us in.

Regulatory Compliance Expertise

Deep working knowledge of FCA, PSD2, GDPR, and PCI DSS controls.
Financial apps designed to pass regulatory scrutiny on the first pass.

Security-First Architecture

Encryption at rest and in transit with disciplined key management.
Defense-in-depth against the attacks that actually hit financial systems.

High-Performance Systems

Tuned for high-frequency transactions and real-time data processing.
99.99% uptime targets with observability wired in from day one.

Engagements

FinTech development services.

Payment Platforms

Stripe, PayPal, and custom payment processing with recurring billing, subscription management, and PCI DSS Level 1 posture.

Starting at

From $25,000

Trading Platforms

Real-time trading interfaces with charting, WebSocket live data, portfolio management, and analytics that traders will actually keep open.

Starting at

From $40,000

Banking Applications

Open Banking (PSD2) integration, account aggregation, financial insights, and multi-factor plus biometric authentication.

Starting at

From $35,000

Compliance & Security

FCA and PSD2 consulting, end-to-end encryption, and independent security audits with penetration testing.

Starting at

From $10,000

Deep dive

Fintech engineering at the bar regulators actually expect.

Fintech is the most expensive category to get wrong. PCI scope creep, SOC 2 audit fatigue, and KYC vendor lock-in all compound. We build fintech with the boundary disciplines that keep audits short and burn rates predictable.

PCI scope reduction by architecture

Never let cardholder data touch your servers. Stripe Elements or Plaid Link in-browser, with tokenized references stored server-side. The single architectural decision that moves you from a PCI Level 1 audit to a SAQ-A questionnaire.

Ledger accuracy is a product

Double-entry bookkeeping at the application layer, immutable transaction log, idempotent webhooks. Most fintech bugs that reach customers are ledger drift, not UI bugs — and they erode trust in ways no apology email recovers.

KYC and fraud as composable layers

Persona or Onfido for identity, Stripe Radar or Sift for fraud, with abstraction layers so you can switch vendors when one prices you out at scale. We've migrated KYC providers mid-flight twice in the last 18 months — only possible because the original architecture treated them as swappable.

FAQs