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
What it costs
Quoted in 48 hours
Itemised and fixed against a written scope, after one 30-minute call
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?
It depends on how many user roles the system needs, how many of your existing systems it has to integrate with, and whether existing data has to be migrated. We work that out on a 30-minute call and send an itemised fixed quote within 48 hours.
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