Fintech Software Development — Next.js + Stripe + Plaid

Most fintech MVPs land between $40K and $80K. That gets you Stripe Connect with connected account onboarding, Plaid Link for bank connections, a KYC verification flow, a user dashboard with transaction history, and an admin panel. The number moves based on how many payment methods you support, whether you need multi-currency, and how complex your KYC rules are. We scope everything in a paid discovery week before quoting a fixed price.

An MVP with payments, bank linking, and KYC takes 6-8 weeks. A full platform with multi-party payouts, compliance reporting, and role-based admin panels runs 10-12 weeks. We've done it faster when the regulatory requirements are already documented — the compliance mapping is usually what slows things down, not the code.

Financial dashboards need to render large datasets fast. Next.js server components let us fetch and render transaction tables on the server, so users see data in under 400ms instead of waiting for a client-side hydration cycle. Server-side rendering also means better SEO for your marketing pages and a single codebase for both. If you need a native mobile app, we'll build the API layer in Next.js route handlers and pair it with a React Native client.

We don't store card data — ever. Stripe Elements and Stripe.js tokenize payment details in the browser before they touch your server, which keeps you at PCI SAQ-A — the simplest compliance tier. We document the data flow, configure Content Security Policy headers, and prepare the evidence your QSA or banking partner needs. If your product requires SAQ-D level compliance, we'll tell you upfront and scope accordingly.

We've shipped production flows with Persona, Alloy, Jumio, and Onfido. Persona is our default recommendation for most US-focused products because their API is clean and their document verification accuracy is strong. For products that need adverse media screening, PEP checks, or custom risk scoring rules, we wire in Alloy as an orchestration layer. You'll get a branded verification flow inside your Next.js app, not a redirect to a third-party domain.

A typical project runs with a tech lead, one or two senior full-stack engineers, and a QA engineer — all on our payroll, not subcontracted. The tech lead handles architecture decisions and compliance mapping. Engineers build in two-week sprints with demo calls every Friday. You'll have a shared Slack channel and direct access to the people writing the code, not a project manager relaying messages.

Every fintech project includes 30 days of post-launch support at no extra cost. After that, we offer retainer plans starting at $4K/month for ongoing feature work, Stripe webhook monitoring, Plaid token health checks, and Datadog alerting. Most fintech clients stay on a retainer because compliance requirements change quarterly and you'll want engineers who already know your codebase.

Yes. We've integrated with banking-as-a-service platforms like Unit, Treasury Prime, Synapse (now Tabapay), and Column. If your partner has a REST or GraphQL API with documentation, we can wire it in. We'll review their API docs during discovery week and flag any gaps — some BaaS APIs have quirks around webhook reliability or sandbox parity that are better caught early than in production.