Fintech app development company for payments, banking and lending
Kwebby builds secure web and mobile apps for fintech founders: payments, digital wallets, lending, budgeting and investing products. You get a fixed quote, milestone previews and 100% ownership of the code.
Calls in US hours: Mon–Fri, 9 AM – 6 PM ET
Starting price
50% off first projectfrom$7,999
The $7,999 starting price covers a fintech MVP with secure login, one core money flow such as payments or bank linking, an admin panel and audit logs.
- Typical timeline
- 10–20 weeks
- Payments
- 10% · 40% · 50%
- Code ownership
- 100% yours
- 1,200+ jobs done
- Cheapest industry rates
- Faster delivery
- You own 100% of the code
What you get
Fintech built for results
Payments and wallets
Card payments, payouts, stored balances and transfers through Stripe or other payment providers.
Bank account linking
Connect bank accounts, verify balances and pull transactions with Plaid or similar open banking APIs.
KYC and identity checks
Identity verification and watchlist screening through KYC providers such as Persona or Alloy.
Lending flows
Loan applications, document upload, decision rules and repayment schedules.
Security by default
Multi-factor login, encryption in transit and at rest, role-based access and audit logs.
Admin and compliance dashboards
Review flagged users, export reports and track every account change.
How it works
Three steps from call to launch
- 1
Free call and fixed quote
Book a free call during US hours (Mon–Fri, 9 AM – 6 PM ET). Kwebby maps your money flows, partners and security needs, then sends a fixed quote with milestones.
- 2
Build in sandbox milestones
You pay 10% to start. Kwebby builds against sandbox accounts from Stripe, Plaid and your KYC provider, and you test each milestone in the client portal before approval. The 40% payment is due at the midway milestone.
- 3
Production launch and handover
Kwebby switches integrations to production, launches the app and hands over the code, infrastructure and documentation. You pay the final 50% on delivery and own 100% of the code.
Proof
1,200+ jobs done for clients across the US and worldwide
Ask for examples from your industry on the free call. We share live sites, app store links and references that match your project.
What a fintech app development company builds
A fintech app development company builds software that moves, stores or tracks money. Kwebby builds payment apps, digital wallets, lending platforms, budgeting tools, investing dashboards and back-office tools for finance teams.
Fintech apps carry more risk than typical apps. A bug can send money to the wrong place, and a weak login can expose financial data. Kwebby designs each money flow, permission and audit trail before any code is written.
Most fintech founders start with one core flow, such as sending payments or linking bank accounts, and add products after launch. Kwebby scopes that first flow into a fixed quote.
Security and compliance foundations
Kwebby builds every fintech app on the security basics that auditors and partners expect to see. These controls protect users and prepare your app for partner reviews.
Kwebby is not an auditor and does not certify compliance. Your compliance counsel and auditors confirm your obligations for PCI DSS, SOC 2, KYC and AML rules, and Kwebby builds the app to match their requirements.
- Multi-factor authentication and device checks
- Encryption in transit with TLS and at rest with managed keys
- Card data handled by PCI DSS-compliant processors, never stored on your servers
- Role-based access for staff and admins
- Tamper-evident audit logs for money movements and account changes
- Rate limits, fraud rules and alerts for unusual activity
Payments, banking and identity integrations
Most fintech apps run on established partners instead of building financial infrastructure from scratch. Kwebby connects your app to these providers through their official APIs and tests every flow in sandbox mode first.
Many fintech products work through a licensed partner bank or a banking-as-a-service provider. Kwebby builds the app to meet each partner's technical and review requirements.
- Stripe for card payments, subscriptions, payouts and connected accounts
- Plaid for bank account linking, balances and transaction data
- KYC providers such as Persona or Alloy for identity checks
- Banking-as-a-service partners for accounts and cards
- Accounting tools such as QuickBooks for reconciliation
Start with a fintech MVP
A fintech MVP tests whether users trust your product with their money. It includes secure login, one core money flow, an admin panel and the audit trail your partners need.
Kwebby recommends launching in one market with one product line first. Each new product, such as cards, credit or investing, then adds to a proven foundation.
The MVP uses production-grade code, encrypted data and real sandbox-to-production integrations. Version two builds on it instead of replacing it.
What fintech app development costs
Kwebby fintech projects start at $7,999 for an MVP with secure login, one core money flow, an admin panel and audit logs. The price grows with each integration, user type and compliance requirement.
A budgeting app with Plaid costs less than a lending platform with underwriting rules, document checks and repayment schedules. Kwebby lists every feature and integration in your fixed quote.
Payments follow the 10/40/50 split: 10% to start, 40% at the midway milestone and 50% on delivery. Providers such as Stripe, Plaid and KYC services bill their fees to your accounts directly.
Tech we use
Frequently asked questions
How much does it cost to build a fintech app?
Kwebby fintech apps start at $7,999 for an MVP with secure login, one core money flow, an admin panel and audit logs. More integrations, user types and compliance features add to the price. You get a fixed quote after a free call.
How long does fintech app development take?
Most fintech MVPs take 10–20 weeks. Partner onboarding with banks, KYC providers and payment processors can add time, so Kwebby plans those steps from the start.
Does Kwebby handle PCI DSS compliance?
Kwebby builds on PCI DSS-compliant payment processors such as Stripe, so raw card numbers never touch your servers. This keeps your PCI scope small. Your compliance advisor confirms your final obligations.
Do I need a bank partner or a license?
It depends on your product and where you operate. Many fintech apps work through a licensed partner bank or a banking-as-a-service provider. Your legal counsel confirms licensing needs, and Kwebby builds the app to match your partner's requirements.
Which integrations do you support?
Kwebby integrates Stripe, Plaid, KYC providers such as Persona and Alloy, banking-as-a-service platforms and accounting tools such as QuickBooks. Kwebby can add any provider with a documented API.
Will you sign an NDA before we share details?
Yes. The first call can stay high level, and Kwebby can sign your NDA before you share confidential product or partner details.
Do I own the code?
Yes. You own 100% of the code, infrastructure and data. Kwebby deploys to cloud accounts in your name and hands over the repository and documentation at delivery.
Get a fixed quote in one business day
Tell us what you need. You get a fixed price, a milestone plan and a client portal to follow the work. Pay 10% to start, 40% at the midpoint and 50% on delivery.
Calls in US hours: Mon–Fri, 9 AM – 6 PM ET