SaaS Development · FinTech & BFSI
SaaS Development for FinTech — PCI-DSS-Aware Multi-Tenant Platforms
FinTech SaaS demands compliance posture before pilot. We design tokenised payment flows, scoped-down PCI footprint, RBI-aligned data localisation and immutable audit logs into the architecture — not bolted on for the first audit.
The problem
Most FinTech SaaS founders discover too late that PCI-DSS scope, RBI digital-lending guidelines, KYC flows and tokenised card storage shape every other architectural decision. We make these decisions visible on day one and design around them.
Our approach
PCI-DSS scope minimisation
Tokenised PSP flows (Razorpay, Stripe, Cashfree), no PAN in our database, segregated networks for any cardholder data, and audit-log immutability — the controls auditors actually check.
KYC built modular
Aadhaar / DigiLocker / PAN / Video KYC flows are pluggable. Switch providers without rewriting the user journey.
Data localisation for India
RBI master direction on data residency drives region choice — ap-south-1 for India workloads, with cross-region replication for DR.
Features we routinely ship
- Multi-tenant onboarding with Aadhaar + Video KYC
- Tokenised card and UPI flows
- Recurring payments + NACH eMandates
- Loan origination and credit-bureau pulls
- Wealth dashboards with portfolio analytics
- Real-time fraud rules engine
- Audit-log immutability
- Multi-currency wallets
- Subscription billing for B2B FinTech SaaS
- Settlement reconciliation
Compliance considerations
Pricing and timeline
Price range
$50,000 – $150,000
USD, fixed-cost after written scope
Timeline
16 – 24 weeks
From scoping to production
FAQ
How long does saas development for FinTech & BFSI take?
16 – 24 weeks. We share a fixed timeline after a 30-minute scoping call.
How much does it cost?
Most engagements range from $50,000 to $150,000. Final fixed-cost quote is provided after written scope.
Have you shipped this combination before?
We have delivered targeted projects in this combination. Public case studies and references are available on a 30-minute call.
What compliance considerations apply?
Key considerations: PCI-DSS scope reduction, RBI digital lending guidelines, Data localisation, ISO 27001. We design for these from week one rather than retrofitting at audit time.
Building saas development for FinTech & BFSI?
Tell us your scope. We'll come back with a fixed-cost proposal and a delivery plan within 48 hours — staffed with engineers who ship this combination in production.
Get a proposal