We build the products fintechs run on, from payment apps, wallets, and lending platforms to trading and brokerage tools, with KYC, AML, and gateway integrations wired in from the start. We work with payments, lending, trading, and portfolio teams, including the build behind Quantflo. Money software fails on the edge cases, so we design for reconciliation, security, and the audit trail from the first sprint, not as a retrofit.
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PCI & GDPR ready • NDA on request.
Custom POS applications built for commercial POS hardware (Verifone, Ingenico, PAX, Clover, Sunmi, and similar devices). We design the application layer that runs on the device, the back-office system that manages transactions, and the cloud reporting tier. Common requests: card acceptance flows, contactless payment screens, receipt printing, inventory sync, and merchant dashboards.
We integrate apps and platforms with bank APIs, payment gateways, and account-aggregation services. Common integrations include Stripe, Razorpay, PayPal, RuPay, UPI, ACH, SEPA, Faster Payments, and direct bank corridors. We also handle transaction reconciliation, refund flows, dispute handling, and reporting feeds for your finance team.
Mobile wallets and payment apps with P2P transfers, bill pay, QR pay, cashback, and merchant acceptance. We have shipped wallets that handle utility payments, P2P money movement, and merchant payouts. Token-based architecture so the wallet stores tokens, not raw card numbers.
End-to-end lending products: KYC onboarding, document verification, alternative-data scoring inputs, loan origination, disbursement, repayment, and collection workflows. We build for licensed lenders, BNPL operators, embedded-lending products, and small-business credit platforms.
Claim intake portals, policy admin features, customer self-service portals, and quote-bind-issue flows for insurance teams. We have shipped insurance-claim products that handle document upload, claim status tracking, adjudication workflow, and customer notifications.
Bill aggregation and payment platforms for electricity, gas, water, telecom, and other recurring bills. We build the consumer-facing app or web portal, the biller integration layer, and the reconciliation back-end. Customers can pay one bill or many in a single session.
Retail trading apps with market data, order entry, portfolio views, and tax-aware reporting. We connect to broker APIs over FIX or REST. We have built equities, derivatives, and crypto front-ends. Real-time UI patterns for streaming prices are part of the standard delivery.
Self-custodial and custodial crypto wallets, exchange front-ends, and Web3 dApps. We handle key management UX, transaction signing, network switching, and gas estimation. Integrations with major chains (Ethereum, Polygon, BSC, Solana) are common.
KYC onboarding flows with document upload, OCR, liveness checks, and sanctions screening. We have shipped KYC pipelines integrated with bank APIs, third-party identity vendors, and in-house rules engines. AML transaction monitoring, suspicious activity flags, and audit trail logging are standard scope items.
We start with a working session that maps your business flow, the regulatory context you operate in, the integrations you need, and the compliance posture your auditors or regulators expect. Output: a written scope, a system diagram, a delivery timeline, and a budget range. This sets the boundary for everything that follows.
We pick the architecture that fits your scale, your hosting preferences, and your compliance needs. Sprint zero produces a working skeleton: auth, audit logging, the integration adapter pattern, and a deployable CI/CD pipeline. You can review code from week one.
Two-week sprints. Working software demoed every fortnight. Code review happens in your repo. We use feature flags so risky paths can be rolled back in minutes. Penetration tests run before major releases. Compliance items get reviewed by your team or your auditors at the milestones you set.
We do not disappear at launch. Our team supports the system in production with the uptime targets your business needs. When auditors arrive, our engineers join your calls and produce evidence on demand. When you need a new integration or a new product feature, we have the context to ship fast.
Our portfolio includes Quantflo, Quidmate, PayCare, utility payment platforms, and insurance claim products. The team has shipped wallets, lending apps, POS software, payment integrations, and KYC flows for real fintech clients. Ask us for a portfolio tour matched to your product type.
Bank API connections, payment gateway integrations (Stripe, Razorpay, PayPal, and similar), UPI and ACH and SEPA rails, KYC vendor APIs, AML screening services. We map your integration list during discovery so the build plan is realistic from day one.
We work to PCI integration scope-reduction practices, GDPR and DPDP Act data-handling rules, and KYC and AML procedural requirements your business needs to satisfy. We do not certify your platform for you; we build it so your audit team has the evidence they need.
All employed full-time by ScalaCode, not freelancers. Mid-level engineers from $13 per hour. Senior engineers from $18 per hour. Tech leads from $23 per hour. Time-zone overlap of 4 to 6 hours with US East Coast and full overlap with UK and EU working days.
Payment vendors change. KYC vendors change. Bank corridors change. We design the integration layer with a clean adapter pattern so swapping a vendor takes weeks, not a full rebuild. This pattern has saved real client work when vendor pricing or coverage shifted.
Dedicated-team engagements bill monthly. Scale up, scale down, or end the engagement at any month boundary with one month notice. Source code and documentation stay up to date so transitions to another team are clean.
Best for a defined deliverable. POS app port to a new device. KYC flow connected to a new vendor. Payment gateway integration. Scope, timeline, and price locked at the start.
Pod of 3 to 12 engineers led by a senior tech lead. Monthly billing, one-month notice. Mix of back-end, front-end or mobile, QA, and a half-time integration lead. Best for end-to-end product builds and ongoing platform work.
Plug specific roles into your in-house team. Mid-level engineers from $13 per hour. Senior from $18 per hour. Tech leads from $23 per hour. Two-week trial-to-hire option available.
If you are uncertain whether to rebuild, extend, or integrate, start with a 2-week paid sprint. Output: a written architecture plan with specific actions, timeline, and budget. Most clients use it to validate scope before committing to a larger build.
| Option | Strength | Where it tends to break |
|---|---|---|
| In-house build | Full ownership, deep institutional knowledge | Senior fintech engineers cost $180,000-plus in the US. Hiring 6 of them takes 9 months. Many fintech founders run out of runway before the team is fully staffed. |
| Freelance marketplaces (Toptal, Upwork) | Fast to onboard, hourly billing | Hard to evidence access controls when auditors ask. Engineers leave mid-project. Integration ownership is fragmented. |
| Big-4 consultancies (Accenture, Deloitte, IBM) | Brand cover for board conversations | $250 per hour blended rate. Six-month discovery phases. Total cost typically 4 to 6 times higher than ScalaCode for the same output. |
| ScalaCode | India-based senior engineers, real fintech portfolio, integration-first delivery | Time-zone overlap with US East is 4 to 6 hours, not 8. We handle this with async-first practices and overlap shifts. UK and EU clients get full live overlap. |
POS software running on commercial POS hardware. Payment gateway integrations into apps and platforms. Wallet apps with merchant acceptance. Cross-border payments, recurring billing, and payout reconciliation.
Consumer lending apps, SMB lending products, BNPL operators, embedded-lending products in marketplaces, and credit-builder apps. KYC, alternative-data scoring inputs, and collection workflows are common scope items.
Mobile wallets with P2P transfers, bill pay, and merchant payments. Personal finance apps with budgeting, account aggregation, and savings goals.
Insurance claim portals, policy admin features, customer self-service portals, and quote-bind-issue flows. We have shipped products that handle claim intake, document upload, and adjudication workflows.
Retail trading apps, broker front-ends, portfolio dashboards, watchlist and alerts, and tax-aware reporting. Multi-asset coverage including equities, derivatives, and crypto. We connect to broker APIs over FIX or REST so order flow stays inside your existing licensed infrastructure.
Bill aggregation and payment platforms for electricity, gas, water, and telecom. Both consumer-facing apps and biller-side integration layers.
$13/hr
$13 - $15/hr
$18 - $20/hr
$23 - $25/hr
$1,200 - $1,500/month
$1,800 - $2,200/month
$2,600 - $3,000/month
$3,200 - $4,000/month
2 weeks
$8,000 - $15,000
POS app port, KYC flow, payment gateway integration
$15,000 - $60,000
wallet, lending app, claim portal
$60,000 - $200,000
$200,000 - $500,000
I looked around at several developers to compare costs, but they didn’t fit within my budget. Finally, I reached out to a company in India called ScalaCode. We set up several online meetings over a couple of weeks and came up with an app that did exactly what I wanted within my budget. I can confidently say that ScalaCode has been an excellent choice for me.
Ruddy McKenzie
Founder of RM EPOSStakeholders are impressed with ScalaCode deliverables. The mobile app has been accepted on both Google Play and App Store. Moreover, we are impressed with the team’s range of abilities from design and development to database and app creation. Overall, the engagement has been a success.
James Ellis
Owner, Artist-Tipping PlatformScalaCode provides great results, uplifting the collaborative experience with their impressive project management style. The team always delivers as expected, which is manifested by the length of the ongoing relationship with us. Overall, their services have been impressive.
Jaa St. Julien
Pres. & Chief Strategy Officer - St. Julien CommunicationsStakeholders are impressed with ScalaCode deliverables. The mobile app has been accepted on both Google Play and App Store. Moreover, we are impressed with the team’s range of abilities from design and development to database and app creation. Overall, the engagement has been a success.
Manuel
CEO, 4SaleThe application was basically built from scratch, and was complicated, as the software was to be integrated with a certain Medical EHR software. As the CEO of SHG, I was very pleased with the services, expertise, and support we received from ScalaCode, from the beginning directly through the first LIVE implementation.
Stephen Holmes
CEO, Steve Homes GroupThe iOS and Android apps exceeded the expectations of the internal team. ScalaCode crafts high-quality products that are easy to use and fit the requirements of the client. The team is technically experienced, hard-working, and knowledgeable.
Carolyn Dare
Director, Empowered AchieverI needed a reliable team on-hand, and ScalaCode delivered. Their excellent availability and project oversight made a big impact.
Faid Lalji
Learn ArenaOur XR project had unique hurdles, but ScalaCode grasped it fast and delivered beyond expectations with excellent collaboration.
Alessandro
CEO / Founder (XR Company)We build POS software on existing POS devices, bank and payment gateway integrations, wallet apps, lending and loan-origination apps, insurance claim portals, utility payment platforms, trading apps, crypto wallets, and KYC and AML workflows. We do not build core banking platforms or full neo-bank cores from scratch. We integrate with the systems you already have or are about to license.
A single integration or feature ships in 4 to 12 weeks. A wallet, lending app, or claim portal MVP runs 12 to 24 weeks. A multi-product platform with several integrations runs 6 to 12 months. Discovery and scoping take 1 to 3 weeks before the build starts.
A 2-week discovery sprint runs $8,000 to $15,000. A single-feature build runs $15,000 to $60,000. A mid-sized fintech product runs $60,000 to $200,000. A multi-product platform runs $200,000 to $500,000. Dedicated-team engagements bill monthly at $8,000 to $60,000 per month depending on team size and seniority.
We have shipped integrations with major payment gateways (Stripe, Razorpay, PayPal, and similar), bank rails (UPI, ACH, SEPA, Faster Payments), account aggregation services, and KYC and AML vendors. During discovery we confirm exact vendor list with you and design the adapter layer so swapping vendors later is straightforward.
We build to PCI integration scope-reduction practices, GDPR and DPDP Act data-handling rules, and KYC and AML procedural requirements. We do not certify your platform for you. We deliver the system so your audit team and your regulators see the evidence they need. We have shipped projects where PCI tokenization, KYC document handling, and AML transaction logging were core requirements.
Yes. We build the software layer that runs on Verifone, Ingenico, PAX, Clover, Sunmi, and similar commercial POS hardware. We do not make the hardware. Typical projects include payment acceptance flows, contactless screens, receipt printing, inventory sync with cloud back-office, and merchant dashboards.
NDAs are signed before the first scoping call. The MSA assigns all source code and IP to you on delivery. You own the repository from day one. We can deploy in your cloud account so your code never leaves your perimeter.
We do project rescue work. We start with a 2-week diagnostic sprint where we audit your code, your architecture, your team velocity, and your blockers. The output is a written recovery plan with specific actions, timeline, and budget. About 30 percent of our new clients arrive in this exact situation.
Everything we asked for was done quickly and efficiently. ScalaCode solved problems without delays or excuses.
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