Trusted engineering for fintech innovation
We back you with engineers who’ve built the hard stuff, like high-load payment systems and modern accounting platforms. Tell us what you need and we’ll match you with people who can deliver it.
20+
Years of tech innovation
350+
Happy clients
300+
Professionals on board
100%
Compliance with regulations
99.9%
System uptime across platforms
15+
Global markets powered
Solutions for tech and business leaders
Launching a new fintech product or modernizing an established platform, you face the same reality: deadlines hold firm and mistakes grow costly. Oxagile is a fintech software development company that builds core systems, integrates PSPs, strengthens infrastructure, and handles compliance, so your pace holds and what already works stays intact.
Accelerate safely
The challenge:
Tight deadlines. Legacy constraints. Limited bandwidth. Pressure to launch.
We help you scale delivery without risking stability. Our engineers jump in fast, follow your standards, and modernize systems without disrupting your core.
Keep dev moving
The challenge:
Tech debt. Blocked releases. Test bottlenecks. Slow feedback loops.
We unblock your pipeline with fintech-savvy developers who plug into CI/CD, automate testing, clear tech debt, and keep every sprint reliably on track.
Ship results
The challenge:
Lean teams. Aggressive growth targets. Hiring freezes. Tight, shrinking budgets.
We help release pressure on your internal resources by taking over delivery, optimizing features, and improving output, so you can meet goals without increasing costs.
Senior expertise behind each project
Kiryl Surahatau
Head of JavaScript Department
Kiryl heads Oxagile’s JavaScript practice across payment systems and PSP integrations, AWS-certified in cloud architecture and AI.
Alexander Kalenik
Senior Software Engineer
A Python architect and technical leader, Alexander has built trading systems and a multi-cloud wealth management platform with ML-driven advisory insights for a US-based fintech.
Discover the capabilities behind Oxagile’s fintech engineering practice.
Custom fintech software development services
Payments
We build and integrate secure, scalable payment systems tailored to your business. Our services support global growth by streamlining PSP integrations and recurring billing. You can count on enhanced security with fraud prevention, real-time analytics, and efficient and low-maintenance infrastructure.
- PCI-compliant payment gateway development
- Intelligent routing to lower transaction costs
- Integration with PSPs and bank APIs
- Smart payment routing through orchestration layers
- Localized PSP support for international markets
- Subscription billing and recurring payment modules
- Fraud prevention, scoring, and risk management
- Real-time analytics dashboards for payment insights
- Scalable serverless infrastructure with CI/CD automation
Areas of expertise
Cooperation models
Outstaffing / team extension
Reinforce your in-house capacity with vetted specialists:
- Add developers with domain expertise in finance, payments, and compliance
- Scale teams up or down quickly as project needs change
- Bring in expert consulting to close knowledge or skill gaps
- Accelerate delivery without the burden of full onboarding
Dedicated team
Launch and scale fintech products with a managed development team:
- A cross-functional team aligned with your roadmap and KPIs
- Built for complex products and long-term initiatives
- Transparent processes and clear communication at every stage
- Continuous delivery and optimization under your strategic direction
Value delivered by Oxagile
Tech stack
Programming Languages & Frameworks
Node.js • PHP • TypeScript • Python • Java / Kotlin • Swift • Go • React / Next.js • React Native / Flutter • .NET (C#)
Architecture & Infrastructure
Microservices architecture • Monolithic architecture • Serverless infrastructure • API-first architecture
Cloud & DevOps
AWS, Google Cloud, Azure • Infrastructure as Code • GitOps & declarative delivery • Observability stack • Secrets management • Automated security & license scans • Cost-monitoring / optimization tooling
Security & Compliance
SO/IEC 27001 & SOC 2 Type II readiness • PSD2 / Open Banking & Strong Customer Authentication • AML/KYC workflows (FinCEN, FATF guidance) • OAuth 2.0 & OpenID Connect / FAPI • OWASP ASVS & Top 10 secure coding • FIPS 140-2/3 cryptographic modules
Payments & Transactions
Smart routing & payment orchestration layers • Tokenization & vaulting (PCI DSS v4 standards) • 3-D Secure 2.2 & EMVCo SRC • ISO 8583 / ISO 20022, SEPA, SWIFT messaging • Mobile wallet integrations (Apple Pay, Google Pay, Samsung Pay) • Real-time fraud scoring engines & rules • Automated reconciliation & double-entry ledgers
AI & Machine Learning
MLOps toolchain • Feature stores • Streaming / online inference • Time-series forecasting & anomaly detection • Retrieval-augmented generation (RAG) pipelines • Reinforcement learning for trading strategies • AutoML platforms • Privacy-preserving ML • Explainable AI
Analytics & Data
Data lake / lakehouse • Warehouses • Stream processing • Orchestrated ETL/ELT • Columnar formats & compression • Data catalog & governance • Data quality / observability • Differential privacy & anonymization
Containerization & Orchestration
Docker • Kubernetes • Helm & Kustomize • Kubernetes operators • Runtime security
Frequently asked questions
In finance, you must deliver fast, stay compliant, and promote reliability. From integrating payment providers to preparing for audits, every change touches sensitive systems under tight regulatory oversight. A strong technology partner with technical depth and domain understanding can make the difference. They help teams scale securely, modernize legacy systems, and meet regional compliance requirements, all without slowing down product momentum.
The latest technologies in fintech, from AI to cloud-native infrastructure, are valuable when applied with a clear goal. AI helps improve fraud detection, credit scoring, and transaction routing. Cloud platforms support scalability and cost-efficiency. We also rely on well-established tools like Node.js, Kubernetes, and microservices to build stable, secure, and adaptable systems.
The software development cost to develop fintech app solutions depends on feature complexity, compliance requirements, and tech integrations. At Oxagile, we help clients balance scope and ROI from day one.
Overall, the cost to develop fintech app solutions primarily depends on the project scope. Key factors influencing the cost include:
- Platform choice (whether the app is being developed for iOS, Android, or both)
- User experience design (the complexity of the UX/UI, such as personalization and ease of use)
- Third-party integrations (the number and complexity of integrations with services like bank APIs, payment gateways, or insurance providers)
- Custom features (special functionality including fraud detection, real-time transactions, and predictive analytics)
- Security requirements (compliance with industry standards like data encryption, multi-factor authentication, and GDPR/PCI-DSS regulations)
Accurately estimating fintech app development costs requires a thorough understanding of the desired features, security protocols, and long-term scalability needs.
A fintech software development company maintains security and scalability by leveraging cloud-based infrastructure, adopting microservices architecture, and using auto-scaling and load balancing. This allows to easily scale applications to handle higher traffic and more complex transactions.
End-to-end encryption, role-based access control, and conducting regular penetration tests helps safeguard against vulnerabilities and maintain security. Data encryption, multi-factor authentication, and secure APIs are vital to protect sensitive information.
Oxagile works with PCI DSS, PSD2, GDPR, SOC 2, and regional banking requirements, and runs security audits and compliance checks throughout development so your product stays audit-ready. If you operate in a specific jurisdiction, tell us and we’ll map the standards that apply.
Yes. Oxagile modernizes incrementally, updating systems in stages, testing against your live environment, and rolling out changes without taking your core offline. Your users keep transacting while the platform improves underneath them.
The essentials Oxagile needs are your goals, the current state of your systems, key integrations (PSPs, banking APIs, data sources), compliance scope, and timeline. Even a rough picture lets us give you a realistic estimate and a plan. Our fintech solutions software development services then scale to match what the project needs.
