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Fintech launches don’t slip because of bad code — they slip when PCI DSS is treated as an add-on and KYC as a feature checkbox. As a PCI DSS compliant app development partner, we engineer encryption, stateful KYC/AML, fraud monitoring, and audit architecture from the first sprint — across mobile banking app development, payments, lending, trading, and neobank development — with 1,200+ apps shipped and US-governed contracts through our Delaware entity.
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Fintech apps carry responsibilities other apps don’t — and the projects that miss their launch windows almost always share the same root causes.
20–40%
of total fintech build cost is compliance work — it can’t be value-engineered away
Industry analyses, 2026
3–6 mo
go-live delay caused by a poorly scoped KYC/identity layer
Fintech delivery studies
900%+
growth in deepfake fraud attacks in 2025 — liveness checks are now table stakes
Industry reporting
4%
of global revenue — the ceiling for GDPR non-compliance penalties
EU enforcement
FAILURE PATTERN 01
PCI DSS is structural engineering, not an add-on. Teams that discover mid-build that card-data scope forces architectural rework lose months and budget — the single most common fintech launch killer.
FAILURE PATTERN 02
A boolean “is_verified” flag instead of a stateful KYC lifecycle — pending, verified, re-verification, expiry, remediation — works in demos and collapses under real regulatory review. Your KYC flow determines your time-to-revenue.
FAILURE PATTERN 03
Payment rails, banking APIs, KYC providers, and fraud engines each add real engineering and testing effort. Apps that enumerate integrations during discovery ship on time; those that don’t, don’t.
End-to-end fintech engineering — mobile banking, digital wallets, lending, trading, and neobanks — architected compliant from the very first sprint.
Account management, transaction history, bill pay, and core-banking integration with biometric authentication, KYC/AML onboarding, and open banking API integration — bank-grade security on iOS, Android, and Flutter.
P2P transfers, QR and NFC payments, multi-currency wallets, split payments, and merchant dashboards — built on PCI DSS-scoped architecture with tokenized card vaulting and fraud detection software rules.
Digital loan origination, credit-scoring engines, bank-statement analysis via Plaid-style APIs, automated underwriting workflows, disbursement, and collections — with the audit trails lending regulation demands.
Portfolio tracking, real-time market data feeds, order execution, watchlists, and robo-advisory app development components — engineered for the latency, accuracy, and regulatory reporting investment products require.
Full digital banking platforms on banking-as-a-service integration rails — account opening with stateful KYC, card issuing, transaction feeds, budgeting tools, and admin back-office, with BaaS partners chosen to avoid long-term lock-in.
Budgeting, expense categorization, savings goals, bank-account aggregation via open banking, and spending insights — the engagement layer that keeps users opening your app daily.
Policy issuance, quote engines, claims processing with document intelligence, underwriting logic, and agent portals — modernizing insurance workflows end to end. Custom software
Fraud scoring, document intelligence for statements and KYC docs, fintech chatbot development with compliant escalation, and spending insights — on controlled pipelines proven across our 3 live AI products. GenAI
Customer lifecycle management built for regulated finance — KYC status tracking, compliance case queues, regulator reporting streams, and retention analytics — CRM that speaks AML, not just sales. Automation
From regulatory scoping to launch — a fixed-price, milestone-based process built for PCI DSS compliance, KYC/AML architecture, and rails you can trust.
We document every obligation that applies — PCI DSS scope, KYC/AML requirements, GDPR exposure, jurisdiction specifics — and enumerate every integration before writing a single line of code.
A written scope document: features, compliance requirements, integration points, and a fixed-price proposal within 24 hours.
We design the encryption model, tokenization strategy, stateful KYC lifecycle, audit-log schema, and fraud-rule framework — deciding how the system talks to payment rails and banking APIs.
An architecture document, data flow diagrams, and compliance documentation — in writing, before any development starts.
Two-week sprints with daily standups and live demos, security scans in CI/CD, dual review on money-movement code, and synthetic data in staging — never live financial data.
A staging build every sprint, direct engineer access, and weekly written progress reports.
Payment gateways, banking APIs, KYC providers, and fraud engines integrated and sandbox-tested, load testing at your projected transaction volumes, and penetration-test preparation.
A test report, security audit, and completed compliance documentation your team can review before go-live.
We handle store submission for finance-app review categories, deploy with transaction monitoring live from day one, and configure fraud-rule alerting before real money moves.
A live production system with monitoring dashboards, rollback plan, and a 30-day post-launch stabilization window.
Regulations and fraud patterns evolve. We handle PCI recertification support, KYC/AML rule changes by jurisdiction, and plan capacity as your transaction volume grows.
A 12-month SLA with defined response times, monthly compliance health reports, and an optional retainer for new features.
The banking, payments, security, and compliance stack powering PCI DSS-compliant fintech builds — from KYC/AML integration to real-time fraud-scoring pipelines.
US-market fintech builds run $60K–$500K+, with compliance consuming 20–40% of budgets — often as unplanned scope. Our fixed prices below include compliance architecture from sprint one, contracted through our Delaware entity.
PCI DSS compliance-first architecture, rail integration fluency, guardrail-controlled AI, and full code ownership — the substance behind every build.
PCI scope, stateful KYC, audit trails, and fraud rules designed before feature code — documented for your compliance review, and immune to the mid-build rework spiral.
Stripe, Adyen, Plaid, open banking, BaaS platforms, Onfido, Jumio, Sift — enumerated in discovery, sandbox-tested early, so integration surprises don’t eat your launch window.
US fintech builds run $60K–$500K+. Our Delaware-contracted, Ahmedabad-engineered model delivers the same compliant scope at a fraction — fixed price, compliance itemized.
Three live AI products of our own mean fraud scoring, KYC document intelligence, and support bots come with tested controls — no-training tiers, human review, full audit logs.
Delaware LLC contracts under US-governed law, W-9, milestone billing — vendor onboarding your legal and compliance teams can process without offshore-contract friction.
Repos with history, your cloud and payment-provider accounts, complete architecture and compliance documentation — a clean asset for due diligence when you raise or exit.
From neobanks and digital lenders to trading platforms and insurers — we build PCI DSS and KYC/AML compliant software shaped around each segment’s regulatory reality.
Social Media & Content
On-Demand Application
Local Business & Directory
Automotive & Fleet Management
Real Estate
Education
Healthcare & Fitness
Ecommerce & Shopping
Banking & Finance
Food & Restaurant
Media & Social
Hotel Booking
Sports & Fantasy Gaming
From PCI DSS scoping to KYC integration — here’s what fintech teams say after choosing our fintech app development company.
We needed audio/video calls for patient consultations, live streaming for health seminars, and an Instagram-style photo/video feed for our medical community. Primocys delivered every feature, production-ready and on schedule. Their deep understanding of healthcare workflows stood out — they didn’t just build features, they built the right experience. Patient engagement and retention have grown significantly since launch.
Primocys developed my mobile application from scratch, handling everything from initial design to final deployment. They managed the entire project, demonstrating great flexibility by incorporating all my feedback and retakes. Beyond development, they successfully guided me through the App Store and Google Play submission process and are currently managing the app’s ongoing maintenance.
Our B2B and B2C platform helps Nigerian manufacturers sell at wholesale prices and suppliers offer competitive retail pricing, with a strong focus on Made in Africa products and easy local and international distribution. The app has received excellent user reviews for its design and unique features. Communication with the Primocys team was smooth in an agile setup, even beyond office hours when needed. Their mobile app development expertise is excellent—highly professional and reliable.
We hired Primocys to develop a highly complex and specialized mobile application, and they delivered outstanding results. The app includes advanced features such as timeline mixers, classifieds, payments, advertisements, GPS functionality, and more. Their technical skills, timely delivery, availability, and the personal attention Arpan Sagar brings to each project truly stand out. The team stays focused and committed from start to finish—an excellent experience overall.
The dating app was delivered successfully and approved by both Apple App Store and Google Play. Our users are highly impressed with the design, UI, and overall functionality. The project was well planned with clear milestones, and all modules were delivered on time. The team is talented, patient, and flexible, accommodating multiple scope revisions as requirements evolved. Their 24/7 development and support availability made the entire process smooth and reliable.
Great team with excellent communication and a strong commitment to on-time delivery. They developed a fully customized mobile app for both Android and iOS, perfectly matching our requirements. The entire process was smooth and professional, with clear updates at every stage. They are reliable, skilled, and very easy to work with. We’re continuing our partnership on more projects, and choosing them has been one of the best business decisions I’ve made.
Book a free consultation — we’ll map your regulatory scope, enumerate every integration, and deliver a fixed-price proposal, compliance itemized, in 24 hours.
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Hear from our clients and why 1200+ businesses trust Primocys
"Our B2B and B2C platform helps Nigerian manufacturers sell at wholesale prices and suppliers offer competitive retail pricing, with a strong focus on Made in Africa products and easy local and international distribution. The app has received excellent user reviews for its design and unique features. Communication with the Primocys team was smooth in an agile setup, even beyond office hours when needed. Their mobile app development expertise is excellent—highly professional and reliable."
"The dating app was delivered successfully and approved by both Apple App Store and Google Play. Our users are highly impressed with the design, UI, and overall functionality. The project was well planned with clear milestones, and all modules were delivered on time. The team is talented, patient, and flexible, accommodating multiple scope revisions as requirements evolved. Their 24/7 development and support availability made the entire process smooth and reliable."
" We hired Primocys to develop a highly complex and specialized mobile application, and they delivered outstanding results. The app includes advanced features such as timeline mixers, classifieds, payments, advertisements, GPS functionality, and more. Their technical skills, timely delivery, availability, and the personal attention Arpan Sagar brings to each project truly stand out. The team stays focused and committed from start to finish—an excellent experience overall."
" Great team with excellent communication and a strong commitment to on-time delivery. They developed a fully customized mobile app for both Android and iOS, perfectly matching our requirements. The entire process was smooth and professional, with clear updates at every stage. They are reliable, skilled, and very easy to work with. We’re continuing our partnership on more projects, and choosing them has been one of the best business decisions I’ve made."
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