Fintech software development
built to clear compliance.
Moving money is the easy demo. The hard part shows up later. A payment that half-settled. A ledger that does not tie out. A reconciliation run that disagrees with the bank by four cents. Fintech software development is the discipline of getting those right. We build the payments, the ledger, and the reconciliation, on a compliance posture an auditor will sign. For fintech teams, banks, and the businesses that move money through them.
Scoped estimate in 3 to 5 days. No obligation, NDA on request.
“Alex and his team built the core of our Healthcare SaaS. Their grasp of HIPAA and GDPR was crucial for our telemedicine features, and they added AI into the EMR so providers could make better data-driven calls. They know the Microsoft stack and held to WCAG 2.1 throughout. For a healthcare product that needs regulatory care and real engineering, HighCraft.io is the partner you want.”
Oleg Shumar
Owner, GetTrusted.io
Selected clients and shipped projects
Awesome Kyiv
Shelfit
Who you work with
We build the money plumbing, not the pitch deck
HighCraft is a senior team that pairs full-stack engineering with applied AI for healthcare, SaaS, and expert-led businesses. We have earned Top Rated and a 100 percent Job Success Score on Upwork, one five-star delivery at a time.
We have built the unglamorous half of payments. On a healthcare platform we built a Stripe-based invoice state machine that tracks every state a payment moves through, from sent to partially paid to disputed, and reconciles it against Stripe webhooks. We wrote the integration that syncs 23 kinds of record across upstream systems that did not agree on a single ID. That is reconciliation under real money, which is the heart of a fintech build. You work with the engineers who built it, not a sales layer in front of them.
2 weeks
idea to working prototype
End to end
prototype to production
Senior
engineers, no handoffs
The first question a fintech buyer has is whether the money is safe. The bar for card data is PCI DSS. We treat it as the floor, not the goal. We encrypt the sensitive data, keep an audit trail of every change, and design the system so card numbers never touch a server that does not need them. The point is a system that survives the audit and the angry customer, not just the happy path.
What we actually build
What fintech software has to get right
The parts that decide whether the money is correct.
Payments and billing
Card, ACH, and payment rails wired in over Stripe and the providers that fit. With the boring half handled: retries, webhooks, disputes, and refunds. A charge that succeeds is the demo. A charge that half-fails at 2am is the job.
Ledger and reconciliation
A double-entry ledger that tracks every state a payment moves through, from sent to partially paid to disputed. Reconciled against the provider, so your books and the bank agree. When they disagree, the system tells you where, not just that.
Security and compliance posture
PCI DSS scope kept small, SOC 2 controls built in, encryption and audit trails on the data that matters. We design for the audit from the first commit. Bolting compliance on at the end is how a launch date slips a quarter.
Banking and data integration
Bank, card-network, and account-data APIs like Plaid connected to your systems. We have wired together upstream systems that did not agree on a single ID and made them reconcile. That reconciliation discipline is most of the work in fintech.
When an off-the-shelf processor fits
If Stripe Billing, a standard processor, or a ledger-as-a-service covers how you move money, use it. We will say so before quoting a build. Custom fintech software earns its cost when your model does not fit the box: unusual settlement, a ledger the platforms do not handle, or a compliance bar that needs the logic in your own code. We build the parts that are yours.
100%
Job Success on Upwork
5.0
Average client rating
Top Rated
Agency on Upwork
11 yrs
Engineering leadership
HIPAA
Aligned delivery
Recognition
Awards and accreditations
Verified on Upwork and recognized by independent agency directories.
Built for the rules healthcare runs on. Practices documented, not implied.
Security & trustAI Prototype Sprint
Validate the workflow before you fund the platform.
A two-week sprint that turns a complex workflow into a working prototype, architecture direction, and a build estimate you can act on.
- Working prototype
- Workflow map
- Architecture recommendation
- AI opportunity and risk assessment
- Delivery roadmap
- Fixed or phased build estimate
Two weeks, one fixed scope. You own everything we build, whether or not you continue.
Week 1
Discover the workflow, build the spine
Week 2
AI where it pays back, then prototype + estimate
Engagement models
Four ways to engage, and a low-risk way to start
We fit the model to the project and the risk, not to our invoice. Most clients start with a two-week discovery sprint that turns the idea into a working prototype and a real estimate, then move into whichever model fits the build.
Time and materials
You pay for the hours you use, billed weekly or monthly. The right call when scope is still moving and you want to steer as you go.
Dedicated team
A senior team embedded with yours and billed monthly, scaling up or down as the roadmap changes. Built for ongoing work, not a one-off.
Fixed price
Agreed scope, agreed price, agreed date. Works when the requirements are already clear and you want certainty before you sign.
Fixed milestones
Phased delivery, paid one milestone at a time. A way to take on a larger build and de-risk it stage by stage.
What clients say
Clients trust us with messy, real-world software
From regulated healthcare workflows to payment-heavy platforms and internal business systems, the common thread is delivery that survives production.
Alex and his team built the core of our Healthcare SaaS. Their grasp of HIPAA and GDPR was crucial for our telemedicine features, and they added AI into the EMR so providers could make better data-driven calls. They know the Microsoft stack and held to WCAG 2.1 throughout. For a healthcare product that needs regulatory care and real engineering, HighCraft.io is the partner you want.
Oleg Shumar
Owner, GetTrusted.io
They were absolutely phenomenal. The team put in a lot of work to break down what was required of the project and gave an excellent presentation on the process. I highly recommend them and will be working with them again in the future.
Kayode Leonard
Founder, Project Wolf
Really enjoyed working with HighCraft.io. They are true professionals that know how to get things done. They were hardworking and skillful, exactly what we were looking for.
Maxim Grossman
Executive, Enigmex Technologies
HighCraft team did a great job creating a brand new site for my company, and I am loving it. It is exactly what I wanted and the team were true professionals and very nice to work with.
Alina Virstiuk
Founder, AwesomeKyiv
What we do
Three ways we turn complex workflows into working software
Start with a prototype, add AI where it creates leverage, or build the full production platform.
Working prototypes
A working prototype built around the real edge cases, so you can validate scope before funding a full build. The cheapest way to find the edge case nobody mentioned.
AI-enabled features
AI inside the product you already run: intake, search, summarization, classification, recommendations, or workflow assistance, with evaluation and guardrails. Built so a real user opens it twice.
Production platforms
Custom platforms built for real users: integrations, permissions, billing, audit trails, and maintenance. HIPAA-aware where it has to be.
Free vendor-risk check
Before you build, check the risk first.
Answer a few plain-English questions and get a vendor-risk read on ownership, proof of work, data exposure, and handover gaps before you fund the build.
- Takes about 3 minutes
- Built for vendor decisions
The page shows the first risk instantly. Email sends the full report.
Related work
What connects to a fintech build
The systems around the money.
Selected work
Software that works, in production
Our clients get to focus on their business, instead of babysitting the stack that holds it together. Client cases below are anonymized where compliance demands; the rest ship under their own names.
How we build
How we build AI workflows that stay controllable
Agentic does not have to mean opaque. We put the controls where the risk is: permissions, approvals, and audit around every AI-assisted step.
Frontend
The product your users and staff actually work in.
API
Typed contracts and validation at the boundary.
Workflow engine
The deterministic spine: states, rules, and handoffs.
Agentic workflow layer
Inspects context, suggests next steps, and triggers tools, with human approval where it matters.
AI / LLM services
Models behind evaluation and fallback logic, not raw and unchecked output.
Integrations
EMR, Stripe, CRM, scheduling, and internal APIs.
Audit, monitoring, permissions
Every AI-assisted step logged, observable, and role-gated.
Controls, not black boxes
- Human approval for sensitive actions
- Tool calls scoped by permissions
- Audit logs for every AI-assisted step
- Evaluation and fallback logic, not raw model output
- Role-based access throughout
- Observability in production
- Integration with EMR, Stripe, CRM, scheduling, or internal APIs
FAQ
Hiring a fintech software development team
What buyers ask before they start.
What is included in fintech software development?
Payments and billing, a ledger, reconciliation, and the security and compliance posture that holds it together. It also covers the banking and data integrations the product runs on. The common thread is correctness under money: the numbers have to tie out and survive an audit, not just look right in a demo.
How do you handle security and compliance, like PCI DSS and SOC 2?
We design for it from the first commit instead of bolting it on. We keep PCI DSS scope small so card numbers never touch a server that does not need them, build the SOC 2 controls in, and encrypt the sensitive data with an audit trail on every change. The goal is a system that clears the audit, not a checklist filled in the week before.
Can you integrate payment rails and banking APIs, like Stripe, ACH, and Plaid?
Yes, and that integration is usually the spine of the build. We connect Stripe, card and ACH rails, and account-data APIs like Plaid to your systems, with the retries, webhooks, and dispute handling that real money needs. The messy part is making providers that were never meant to agree reconcile against one set of books.
Do you build the ledger and reconciliation?
Yes, and it is the part most teams underestimate. We build a double-entry ledger that tracks every state a payment moves through and reconciles it against the provider, so your books and the bank agree. When they disagree, the system points at the exact entry, because a reconciliation run that only says "off by four cents" is not done.
What fintech experience do you bring?
We have built payments and reconciliation under real money. On a healthcare platform we shipped a Stripe-based invoice state machine that tracks a payment from sent to partially paid to disputed and reconciles it against Stripe webhooks. We also wrote integration that syncs 23 kinds of record across systems that did not share an ID. That reconciliation discipline is the heart of a fintech build, and we bring it to yours.
What drives the price of a fintech build?
Send the money flows and the systems they touch, and we reply with a scoped estimate, usually within 3 to 5 business days. Price tracks the number of rails and integrations, the ledger complexity, and how high the compliance bar is. You can work hourly, fixed price, or as a dedicated team.
When are you not the right fit?
If Stripe Billing or a standard processor already moves your money cleanly, use it, and we will say so. We are also the wrong call for a one-off finance report. We earn our cost when the model does not fit the box: unusual settlement, a ledger the platforms do not handle, or a compliance bar that has to live in your own code.
Start a project
Tell us about your project
Send the shape of the problem, even if the requirements are still blurry. We reply with a scoped estimate, usually within 3 to 5 business days. No obligation, NDA on request.
- A senior engineer reads every brief, not a sales rep.
- If an off-the-shelf tool fits better, we will tell you.
- NDA on request before you share anything sensitive.
Prefer email? Write to business@highcraft.io
Rather talk it through? Book a 30-minute estimate review
“They were absolutely phenomenal. The team put in a lot of work to break down what was required of the project and gave an excellent presentation on the process. I highly recommend them and will be working with them again in the future.”
Kayode Leonard
Founder, Project Wolf