The global fintech market reached $460.76 billion in 2026, and 75% of financial institutions now cite speed-to-market as mission-critical. Epicsoft Technologies delivers custom fintech solutions that accelerate time-to-market, reduce development costs 40–50%, and achieve production-grade reliability. Payment processing, lending platforms, fraud detection, blockchain integration, regulatory compliance. 10+ years, 200+ fintech projects, 50+ financial institutions. API-ready, 99.9% uptime.
Most software projects fail from poor management, not poor code — 31% of software projects are cancelled before completion, and over half exceed their original budgets. Custom fintech software development solves this: we design solutions aligned to your exact requirements (payments, lending, fraud detection, compliance), integrate with legacy systems (core banking, CRM), and ensure regulatory compliance (PSD2, GDPR, SOC 2, PCI-DSS).
Typical engagement: $150K–$500K (fixed scope), 4–8 months, production-ready fintech system with APIs, security audit, and 6-month post-launch support. Epicsoft runs real project management, not project administration: dedicated delivery leads, two-week sprint demos, transparent risk registers, direct access to engineers writing your code. That discipline is why healthcare, fintech, and e-commerce companies trust us for projects their previous vendors couldn’t finish.
Payment systems, lending platforms, fraud detection, digital wallets live in production across 50+ financial institutions. 4–8 month delivery, 98% success rate, zero production failures in 2 years.
PCI-DSS Level 1, SOC 2 Type II, ISO 27001 certified. Stripe-certified developers, AWS Financial Specialists, blockchain auditors on staff. Zero breaches, zero data loss across 200+ fintech projects.
Built fintech infrastructure for banks, fintechs, investment firms. Early adopters of payment APIs, blockchain, AI fraud detection. Survived PSD2, Open Banking, GDPR Phase 2 regulatory shifts — all systems stayed compliant.
Custom fintech dev: $150K–$500K. In-house teams: $500K–$2M/year. Typical outcome: 40–50% savings, 3–6 month faster time-to-market, 99.9% uptime SLA.
Traditional customer support models cost $60K–$100K per agent annually (salary, benefits, training, overhead). AI-powered chatbots answer 60–80% of customer inquiries instantly without human intervention: account balance inquiries, transaction history, fee explanations, password resets, dispute initiation, complaint filing. Financial institutions deploying chatbots report: customer satisfaction +30–40%, support cost per inquiry down 70–85%, response time <1 second (vs. 5–15 min human average). IVA/chatbot market for fintech: $8.2B by 2028 (growing 25% CAGR).
Intelligent Virtual Assistant capabilities:
Typical IVA/chatbot outcome: First-contact resolution 65–78% (vs. 40–50% human). Cost per inquiry $0.50–$2 (vs. $15–$30). Response time <1 second (vs. 5–15 min). Satisfaction +30–40%.
Pricing: IVA development $150K–$350K (simple bot to full banking integration). Monthly $2K–$5K (volume-based).
Payment processing dominates 33.9% of fintech market share (largest segment). Off-the-shelf payment gateways (Stripe, Square) impose rigid workflows, limited customization, and high transaction fees (2.9% + $0.30 per transaction). Custom payment processing solutions built by Epicsoft integrate your exact business logic: custom fee structures, real-time fraud checks, multi-currency settlement, instant payouts. Outcome: 15–25% lower transaction costs, faster settlement (same-day vs. 3-day), customer retention improvement 20–30%.
Payment processing solutions we build:
Example: B2B marketplace processing $10M/month in transactions. Off-the-shelf gateway cost: $290K/year (2.9% + fixed fees). Custom payment solution cost: $250K/year (1.8% + custom fees). Annual savings: $40K. Payoff period: 18 months (then pure savings).
Pricing: Payment processing solution $200K–$400K. Hosting/maintenance $2K–$5K/month.
Blockchain adoption has shifted from experimental pilots to production deployments: trade finance, cross-border payments, digital asset custody, settlement automation. Central banks launched CBDC programs (creating institutional demand). Smart contracts automate loan agreements, insurance claims, securities transfers without manual intervention. Regulatory frameworks maturing (US stablecoin rules clarified Q2 2026). Financial institutions adopting blockchain now gain competitive advantage in speed (settlement: weeks → minutes), transparency (audit trail immutable), and cost reduction (remove intermediaries).
Blockchain fintech solutions we build:
Compliance: Blockchain solutions undergo SOC 2 audit, regulatory review, and documentation for compliance files.
Pricing: Blockchain solution development $250K–$600K (depends on complexity: simple integration vs. full dapp). Ongoing maintenance $5K–$15K/month.
Fraud detection dominates 45.28% of fintech market (largest segment by far). Traditional rules-based fraud detection catches 60–70% of fraud; generates 30% false positives (customer friction). AI/ML fraud detection catches 95%+ of fraud with <5% false positives: machine learning models analyze transaction patterns, identify anomalies, and flag suspicious behavior in real-time. Financial institutions investing in AI fraud detection reduce fraud loss 75–85%, improve customer experience (fewer false declines), and gain regulatory favor (demonstrated fraud prevention effort).
Fraud detection & AML solutions we build:
Example: Payment processor handling $100M/month. Fraud rate 0.3% = $300K monthly fraud loss. AI fraud detection reduces to 0.05% = $50K monthly fraud loss. Monthly savings: $250K. Annual savings: $3M. System cost: $300K. Payoff: <2 months.
Pricing: Fraud detection solution development $150K–$350K. Monthly fees $2K–$8K (depends on transaction volume).
Banking as a Service (BaaS) is the fastest-growing fintech segment: non-financial companies (e-commerce, gig platforms, marketplaces) embed banking directly into their apps without building infrastructure. Embedded finance market projected $7.2T by 2030 (surpassing top 30 banks combined). BaaS enables: instant accounts, seamless payments, lending to end-users, all without regulatory overhead (partner with licensed bank). Examples: Uber integrating payouts, DoorDash lending to drivers, Shopify lending to merchants.
BaaS platform capabilities:
BaaS revenue model: Charge per API call, per account, or per transaction. Typical: $0.01–$0.10 per transaction, $10–$50/account/month.
Pricing: BaaS platform development $400K–$1M+. Ongoing platform costs $10K–$30K/month.
APIs enable modular fintech ecosystems: financial institutions, fintech platforms, and third-party services connect seamlessly without proprietary integrations. Open Banking regulation (UK, EU, US) requires data sharing through APIs. API-first architecture allows: faster product development (plug-in payment gateways, lending APIs, fraud detection), cost reduction (avoid rebuilding), scalability (horizontally scale services), and partner ecosystem growth (third-party developers build on your platform).
API & Open Banking solutions we build:
Example: Fintech company wants third-party developers building on their platform. API-first architecture enables: 100+ third-party integrations within 6 months, $5M+ new revenue from platform ecosystem. Initial API build: $200K. Ongoing: $5K–$10K/month.
Pricing: API platform development $200K–$500K. Maintenance/infrastructure $5K–$15K/month.
Regulatory fines averaged $100M–$500M+ across major fintech incidents (2024–2026). Compliance requires: KYC (know your customer), AML (anti-money laundering), sanctions screening, transaction monitoring, reporting (SAR/CTR). Manual compliance is error-prone; automated compliance built by Epicsoft catches risks instantly, maintains audit trail, and demonstrates compliance to regulators.
RegTech solutions we build:
Regulatory frameworks: PSD2, Open Banking, GDPR, CCPA, FinCEN, OFAC, FCA, SEC, NIST Cybersecurity Framework, ISO 27001, SOC 2.
Pricing: Compliance solution development $200K–$500K. Monthly monitoring/support $3K–$10K.
Fintech software development: $150K–$500K (depends on complexity and timeline). Simple payment integration: $100K. Complex lending platform: $500K+. Lending platform development: $300K–$750K. Fraud detection: $150K–$350K. BaaS platform: $400K–$1M+. API platform: $200K–$500K. Maintenance/hosting: $3K–$15K/month. Fixed-scope proposals after free fintech consultation.
Typical fintech project: 4–8 months (discovery + development + testing + launch). Simple payment solutions: 2–4 months. Complex lending/BaaS platforms: 8–12 months. Post-launch support: 6 months included.
PCI-DSS Level 1, SOC 2 Type II, ISO 27001 certified. Zero breaches across 200+ fintech projects. Zero data loss. All solutions undergo penetration testing and security audit before launch. Compliance with PSD2, Open Banking, GDPR, CCPA, KYC/AML automated.
Yes. We integrate with Stripe, PayPal, Adyen, Square, Wise, and custom payment processors. API-first architecture ensures clean integrations without legacy code dependencies.
Yes. Stablecoin/CBDC, smart contracts, DeFi protocols, NFT platforms, digital asset custody. All blockchain solutions undergo regulatory review and SOC 2 audit.
Yes. KYC automation, AML/CFT monitoring, sanctions screening, reporting automation, GDPR/CCPA compliance. Compliance solutions designed to meet PSD2, Open Banking, FinCEN, OFAC, FCA, SEC requirements.
We build AI-powered fraud detection (ML models catching 95%+ of fraud with <5% false positives). Real-time transaction monitoring, behavioral biometrics, account takeover detection, chargeback prevention. Typical ROI: fraud reduction 75–85%, payoff period <6 months.
We offer custom development (build your fintech solution) and ongoing managed services (24/7 monitoring, maintenance, updates, scaling). Managed services: $3K–$15K/month depending on complexity.
Cloud-first architecture (AWS, Azure, Google Cloud) with Kubernetes orchestration. Load testing before launch. Auto-scaling policies to handle 10× traffic spikes. Monitoring dashboard showing real-time performance. Typically achieve 99.9% uptime SLA.
10+ years, 200+ fintech projects across 50+ financial institutions. Stripe-certified developers, AWS Financial Services specialists, blockchain auditors. Team trained on latest fintech trends (AI fraud detection, embedded finance, open banking, CBDCs).
