Industry
Fintech software and payment apps built to be trusted
We build the apps, ledgers, and onboarding flows that let your customers move money with confidence. You launch faster on proven providers, and your own product stays secure, tested, and ready for an audit.
- 1,200+ clients helped
- Building since 2010
- 15 services, one team
- 50+ technologies
At a glance
What we build
We build payment apps, digital wallets, lending and investment platforms, onboarding, and back-office tools for fintech companies.
Problems we solve
Fintech teams must move fast while handling money, identity checks, and audits, and one mistake costs trust.
Who we serve
Fintech startups, payment companies, lenders, investment platforms, and banks launching digital products.
How to choose
Start with a focused first product on proven payment and identity providers, then build the parts that make you different.
What is different
Why fintech needs a different kind of engineering
A bug in most apps is an inconvenience. In fintech it can send money to the wrong place or freeze someone's salary. Your software has to be correct under load, explain every number, and survive a regulator asking how a balance was calculated.
Speed still matters, because competitors launch every month. We get you to market quickly by building on established payment, banking, and identity providers, and we spend our effort on the experience and logic that are truly yours.
Every money movement goes through a ledger, every rule is tested, and every change is logged.
We work well with small product teams. We can own the whole build, or join your engineers to add a product line, strengthen testing, or rebuild a weak part of the platform without slowing your roadmap.
Typical projects
Fintech and payments projects, costs, and timelines
These ranges cover most fintech builds we are asked to quote.
| Project | What it includes | Typical cost | Typical timeline from approved scope |
|---|---|---|---|
| Payment or wallet first version | Accounts, payments, ledger, and onboarding on proven providers | $20,000 to $36,000 | 6 to 8 weeks |
| Merchant and payout platform | Checkout, invoicing, split payments, and payouts | $24,000 to $48,000 | 6 to 10 weeks |
| Lending platform | Applications, decisions, repayments, and collections | $32,000 to $64,000 | 2 to 3 months |
| Investment or banking-grade app | Portfolios or accounts, statements, controls, and reporting | $48,000 to $120,000+ | 3 to 4 months |
Every project is quoted in writing after a short call. The top of each range covers larger builds and more integrations. The timeline starts once the scope is approved and we have what we need from you.
How we deliver
How we build a fintech product
A focused first version usually reaches real customers in six to ten weeks, with tests and controls in place from the first release.
Define the money flows
We map how money, data, and approvals move, and which provider handles each step.
What it produces
- Flow diagrams
- Provider choices
Design for trust
We design onboarding and payments so customers always know what happened and what comes next.
What it produces
- Prototype
- Copy for key moments
Build with a ledger and tests
Every movement is recorded in a ledger and covered by automated tests before release.
What it produces
- Ledger
- Test suite
Prepare for audit
We document controls, access, and logs so your compliance review starts from evidence.
What it produces
- Control notes
- Audit logs
Technical depth
Technical notes for fintech
What your engineering or compliance lead will ask about ledgers, providers, and security.
- Balances are derived from an append-only ledger, never edited in place.
- Daily reconciliation compares the ledger with provider reports and flags differences.
- Card data stays with certified providers such as Stripe, so your own system never stores it.
- Sign-in uses strong authentication, and sensitive actions need a second step.
What we build
Fintech products we build
We build on licensed payment, banking, and identity providers, then design the experience and logic that make your product worth choosing.
Payment apps and wallets
Send, receive, and store money, with cards, transfers, and instant notifications.
Customer onboarding
Identity verification and checks that approve good customers in minutes and flag risky ones.
Lending platforms
Applications, decisions, repayments, and collections, with the rules your credit team sets.
Investment and savings apps
Portfolios, goals, recurring deposits, and clear statements people actually read.
Merchant and payout tools
Checkout, invoicing, split payments, and payouts for platforms that pay other people.
Back-office consoles
Support, refunds, disputes, and reporting for your operations and compliance teams.
Selected work
Fintech and Payments projects we have delivered
What clients say
Teams like yours, in their own words
Luis from DECHY helped us fix how technicians close visits on-site. They can add photos and parts before leaving the property, and I no longer get a pile of paperwork at night.
Sofia AlvarezField Service Operations ManagerSummit Property MaintenanceHome and Field Services We can finally see who has access and who approved it. The old spreadsheet was always behind.
Andre WilsonIT Operations ManagerMeridian Business ServicesProfessional Services After a staff member left, we weren't confident we'd closed every account. Daniel at DECHY helped us spot gaps we hadn't considered, and now we feel much more confident about offboarding.
Hannah FosterIT and Security ManagerNorthstar Business GroupProfessional Services
Common questions
Questions about fintech development
How much does a fintech app cost?
A focused first product usually costs $20,000 to $48,000 and takes 6 to 10 weeks. Lending or investment platforms with many rules cost more.
Do you handle licensing?
No. Licensing is a legal matter for you and your advisers. We build the product and the controls your compliance team needs.
Which payment and identity providers do you use?
We choose by market and product, from providers such as Stripe, Adyen, and established identity check services.
Can you add features to our existing app?
Yes. We often join fintech teams to build a new product line, improve onboarding, or strengthen testing.
How do you keep money movements correct?
Every movement goes through a ledger with automated tests and daily reconciliation, so errors surface early.
Can you build a first version to show investors?
Yes. We often build a focused first version on real providers, so you can demo live transactions and collect feedback before raising or scaling.
Have a different question?
Tell us what you are weighing up and we will answer it plainly.
Ask a questionAlready a client? Email support@dechytech.com
What you get
What fintech teams get from us
Speed
- A first product in weeks.
- Proven providers instead of rebuilding rails.
Trust
- Clear money movement for customers.
- A ledger that reconciles.
Control
- Fraud rules and limits you can tune.
- Full audit trails.
Scale
- Architecture that grows with volume.
- Monitoring from day one.
Tell us what your product moves
Describe the money flows and the customers you serve. We reply with a plan, a price range, and a timeline.