Hourly
Weekly invoicing, minimum 40 hours per month, weekly demos. You pay only for the hours we log against your project board. Best for fintech maintenance, regulatory-driven updates, or short technical spikes.
FinTech · PCI-DSS-aware · FCA-aware · KYC/AML
Hire FinTech app developers. PCI-DSS-aware, FCA-aware senior talent.
Senior FinTech engineers — payments, KYC, AML, customer-due-diligence, PCI-DSS-aware backends, 3DS2/SCA — into your team in 14 calendar days. FinTech apps are not “apps that handle money”; they are apps that handle money under audit. The engineers we deploy have shipped this stack in production, not configured it from a tutorial.
eCorpIT places senior FinTech engineers — payments, KYC, AML, PCI-DSS-aware backends, 3DS2/SCA — into your team in 14 calendar days. Rates run $32/hr mid-level to $58/hr architect, against US senior FinTech rates of $90–$160/hr. PCI-DSS-aware design, FCA-aware for UK fintech, SOC 2-aware for B2B. Manu reviews every FinTech engagement personally.
- 14 calendar days to first demo
- $44 senior rate /hr (vs $90–160 US)
- PCI-DSS aware delivery from Sprint 1
- 5.0 Google rating · 55 reviewers
- NDA-first · within 4 hours
- MSA + DPA before code
- Senior-only delivery
- Weekly demos, weekly invoicing
- Founder review at every milestone
Why eCorpIT
Why hire FinTech developers through eCorpIT.
FinTech apps handle money under audit. KYC and AML flows that survive FCA, RBI, MAS or US state-banking review. PCI-DSS-aware data handling that never stores card data on device. Customer-due-diligence audit trails that survive a regulator’s data-subject request. Cryptographic key management that doesn’t leak through observability tooling. Tokenisation, fraud signals, dispute and chargeback flows.
Manu Shukla reviews every FinTech engagement at architecture and milestone stages. The engineer whose CV you interviewed is the engineer who ships.
US seniors $90–$160/hr
UK seniors £50–£95/hr
eCorpIT $44–$48/hr (senior)
A 60–70% vs US specialists saving at the same seniority, on a dedicated pod with an MSA and DPA signed before code is written. Industry rate benchmarks.
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PCI-DSS-aware by default
Card data never touches your servers — Stripe Elements, Adyen tokenisation, or Apple Pay / Google Pay as the acceptance layer. Server-side handling restricted to tokens. No card PANs in logs, no plaintext in databases, no card data on device.
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KYC, AML & CDD flows
Document capture (CameraX edge-detection, Vision framework), liveness checks, sanctions-screening API integrations, ongoing-monitoring webhooks. Shipped for UK FCA-regulated clients and US payment processors.
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SCA & 3DS2
Required for EU/UK payment flows under PSD2/PSD3. Senior engineers who understand the SCA exemption matrix beat juniors who treat 3DS as one library call.
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FCA-aware UK fintech
Shipped UK fintech apps with KYC, AML, CDD and operational-resilience flows that survived FCA-regulated client audits. We don’t claim “FCA approved” — only the regulated firm can be — but we design to make the audit straightforward.
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Multi-PSP architecture
Stripe, Razorpay, Adyen, Plaid; BNPL (Klarna, Affirm); KYC SDKs (Onfido, Sumsub, Jumio). Dispute and chargeback flows. India: UPI 2.0, RBI tokenisation, video-KYC.
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Secure-by-construction
Secure enclave usage, EMV tokenisation, OWASP MASVS Level 2 design, PCI-DSS scope-reduction architecture. PSP sandbox only in development — no real card data ever lands in dev or staging.
Transparent pricing
FinTech rate card (USD, hourly).
Same rate card as the umbrella hire page. FinTech work is typically staffed at the Senior or Lead tier given the regulatory exposure; Junior FinTech engineers rarely work without senior pairing on regulated workloads. All-in, weekly invoicing, net 14.
| Tier | Experience | Flutter / RN | iOS | Android |
|---|---|---|---|---|
| Junior | 1–2 years | $22/hr | $24/hr | $22/hr |
| Mid-level | 3–5 years | $32/hr | $35/hr | $32/hr |
| Senior | 6+ years | $44/hr | $48/hr | $44/hr |
| Lead / Architect | 8+ years | $58/hr | $62/hr | $58/hr |
For a typical UK-bought fintech MVP at 160 hours/month with one Senior plus shared PCI-DSS-aware backend support, that is about $42K eCorpIT versus $108K at the US senior midpoint. Same regulatory comfort, same shipped app.
How you work with us
Four engagement models.
You pick the one that fits how you actually want to work. We do not push everyone into the same shape.
Monthly
160 hours per month, dedicated. 10% discount on the hourly rate. The engineer attends your standups, sits in your Slack, follows your sprint cadence. Pause with 30 days’ written notice. Best for active builds.
Quarterly
3-month commit, 15% discount on hourly. Includes a shared designer (40 hours) familiar with payment flows and a shared QA engineer (40 hours) at no additional cost. The pod model — a real team behind one engineer.
Project
$15K (fintech-aware) MVP starting (a small premium over the $8K cross-platform start because regulatory overhead is real). We own scope, milestones and acceptance criteria. Weekly demos, weekly invoicing against milestones. Best when the spec is well-defined and you want predictability.
All four models include the NDA signed before any technical conversation, an MSA with India and EU/UK-aligned clauses, a DPA aligned with GDPR and India’s DPDP Act, weekly invoicing, and a single named delivery lead for the whole engagement. PCI-DSS-aware delivery from Sprint 1.
Real seniors on the bench
Sample engineer profiles (anonymised).
We send full anonymised CVs on request and arrange interviews within 5 business days of NDA.
Senior Mobile FinTech Engineer
8 years
Swift/SwiftUI + Flutter, Stripe Connect, Apple Pay, biometric auth (Face ID, Touch ID), Plaid, 3DS2 + SCA, on-device KYC document capture. Shipped a US neobank companion (210k MAU, App Store Finance top-50), a UK card-controls app for an FCA-regulated fintech (180k MAU), and an Indian wallet app with UPI + RBI tokenisation. Strong on PCI-DSS scope-reduction architecture.
Available: Monthly or quarterly
Senior Mobile FinTech Engineer
7 years
Kotlin + React Native (TypeScript strict), Stripe + Razorpay + Adyen multi-PSP, BNPL (Klarna, Affirm), KYC/AML SDKs (Onfido, Sumsub, Jumio), liveness checks, on-device sanctions-screening cache. Shipped a UK BNPL app, a US tap-to-pay merchant app, and an Indian neobank with full UPI 2.0 flows. Specialism: multi-PSP and dispute/chargeback flows.
Available: Hourly, monthly or quarterly
FinTech Lead / Architect
12 years mobile, 9 years FinTech
Cross-platform architecture, PCI-DSS scope-reduction design, secure enclave usage, EMV tokenisation, FCA operational-resilience documentation, SOC 2 control mapping, OWASP MASVS L2. Led the rewrite of a UK fintech’s customer app from a Cordova legacy to a Flutter codebase that survived FCA client audit.
Available: Monthly, quarterly or fixed-price
Full anonymised CVs and arranged interviews follow the 14-day onboarding (Days 2–5). Additional fintech references on request under NDA — payment processors, neobank companion apps, B2B card-controls apps across US, UK and India.
The promise
The 14-day onboarding, day by day.
This is a calendar-day commitment, not a "best efforts" promise. If we miss any of these dates, the first month of the engagement is on the house.
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NDA signed
Within 4 hours of your first inbound message. Sign it; the technical conversation starts immediately.
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Discovery call
60 minutes. Manu Shukla joins. We map the problem, target users, your existing stack and constraints. We map the regulatory perimeter (US, UK, EU, India), payment-acceptance layer (PSP), KYC/AML scope and product flow. You leave with a one-page strategy doc by end of day.
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Shortlist CVs
3 anonymised CVs of senior FinTech engineers matched to your build, each with 3 shipped apps and a 30-minute video introduction.
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Interviews
You interview 2–3 of the shortlisted engineers. We do not block on “first available.” You pick.
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Team selection & plan
Engineer (or pod) finalised, engagement model agreed, draft project plan with milestones shared.
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MSA + DPA signed
Master Services Agreement and Data Processing Addendum (GDPR + DPDP aligned) signed both sides.
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Environment setup
Repository, Slack/Teams, Jira/Linear/Asana, PSP sandbox access, KYC SDK sandbox access, secrets vault.
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Kick-off
Founder-led kick-off call with Manu, the delivery lead, the assigned engineer(s) and your team. Sprint 0 deliverables aligned.
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Sprint 1 planning + technical design
Technical design document for the first deliverable. Sprint 1 backlog locked.
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Sprint 1 in build
Daily standups in your timezone. Slack-first communication.
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First demo
Working build of the first user-facing feature with the regulatory data-flow already aligned. Retro. Sprint 2 plan agreed.
No surprises
Included in every FinTech engagement.
The line items that show up as “extras” with other vendors are baked into our rates.
- Architecture review with PCI-DSS scope-reduction analysis by a Lead before Sprint 1.
- Code review by a second senior engineer on every PR, including secrets and crypto review.
- CI/CD pipeline setup with secrets-vault integration and SAST/DAST scanning.
- PCI-DSS-aware data-flow diagram and tokenisation strategy documented before payments code is written.
- OWASP MASVS Level 1 by default; Level 2 on request.
- App Store & Play Store submission, including PSP-required disclosures.
- Crashlytics/Sentry/Bugsnag with PII redaction configured.
- Accessibility audit (VoiceOver, TalkBack, WCAG 2.2 AA) before submission.
- Weekly demos, Friday status notes, founder review at milestones.
- ISO 27001:2022-aligned source-code handling. 30 days post-launch support.
Not included unless quoted separately: PSP processing fees, third-party KYC SDK licences (Onfido, Sumsub, etc.), formal PCI-DSS audit costs, and external penetration tests are quoted separately.
Procurement-ready
The credentials a US or UK procurement team checks.
We have them all on file and will share them under NDA.
- CMMI Level 5 appraised
- ISO/IEC 27001:2022 — Information security
- ISO 9001:2015 — Quality management
- ISO/IEC 20000-1:2018 — Service management
- ISO 45001:2018 — Occupational H&S
- GDPR-aligned data handling
- DPDP Act (India) compliant
- DPIIT recognised startup
- MSME registered
- D-U-N-S® verified · #854367803
PCI-DSS-aware design: tokenisation, scope-reduction and audit-trail patterns that make the client’s PCI-DSS audit straightforward. We are not ourselves PCI-DSS certified as an entity — the merchant-of-record is the regulated firm. FCA-aware for UK fintech (apps that survived FCA-regulated client audits) and SOC 2-aware for B2B fintech selling into US enterprise.
5.0 from 55 reviewers on Google, on the canonical AI Mobile App Development page. Founder LinkedIn and verified company profiles are linked from the footer.
Free project estimate · 24 hours
Tell us about your project. Get a free estimate in 24 hours.
Within 24 working hours, you receive a one-page PDF: recommended scope, suggested tech approach, indicative pricing range, and a delivery timeline. Reviewed by a senior architect from the eCorpIT team. No sales pressure, no follow-up unless you ask for one.
- One-page strategy doc + indicative range
- NDA available on request
- Reviewed personally by a senior architect
- No sales pressure. No follow-up unless you ask.
Request received
Got it — we'll be in touch within 24 hours.
A senior architect will review your brief and reply by email with a one-page strategy doc, indicative pricing, and a realistic timeline.
- 1 We review your brief and map it to the right practice + team.
- 2 You get a one-page estimate with scope, pricing range, and timeline.
- 3 If it's a fit, we book a 30-min discovery call — no obligation.
Reference — · We'll reply from contact@ecorpit.com.
Answers, up front
How much does it cost to hire fintech app developers?
eCorpIT senior fintech engineers bill $22–$58/hour by seniority — about 60–70% below US cost — with PCI-DSS-aware (and FCA-aware) delivery, KYC/AML and payments integration. The regulated overlay adds hours, but the rate base keeps a compliant build well below US-agency pricing.
What should I look for in a fintech app developer?
Look for PCI-DSS-aware architecture, KYC/AML flows, secure payments and ledgering, and — for UK fintech — FCA-aware documentation. eCorpIT matches senior engineers who have shipped regulated financial apps, with the audit and security scaffolding designed in, not bolted on.
FAQ
Questions, answered.
What US and UK teams ask before hiring FinTech developers with us.
No matches. Try a different keyword or contact us directly.
Do you handle PCI-DSS-aware fintech development?
Yes — tokenisation, scope-reduction architecture, no-PAN-on-device design, audit-trail patterns. We are not ourselves PCI-DSS certified as an entity — the merchant-of-record is the regulated firm. We make the client’s audit straightforward.
Can you build for FCA-regulated UK fintech firms?
Yes — we have shipped UK fintech apps with KYC, AML, CDD and operational-resilience flows that survived FCA-regulated client audits. We don’t market as “FCA approved” — only the regulated firm can be.
What are your fintech rates vs a US specialist agency?
eCorpIT senior rate is $44–$48/hour. US fintech-specialist agencies bill $90–$160/hour at the same seniority. Arbitrage is 60–70% on like-for-like work.
Do you integrate with Stripe, Razorpay, Adyen, Plaid, Onfido, Sumsub?
Yes — multi-PSP architecture is standard. Our senior engineers have shipped each integration into production for US, UK and Indian clients.
Can you ship 3DS2 / SCA for EU and UK payments?
Yes — the PSD2/PSD3 SCA exemption matrix is standard knowledge, not a research exercise. We have shipped SCA-compliant flows for FCA-regulated UK fintech clients.
Do you handle KYC and AML for the Indian RBI regime?
Yes — UPI 2.0, RBI tokenisation, video-KYC, Aadhaar-based KYC (where authorised), and CKYCR integration for Indian neobank and NBFC clients.
How do you protect customer financial data during development?
PSP sandbox environments only during development. No real card data ever lands in dev or staging. Synthetic data for test fixtures. Production data access restricted to the customer’s deployment.
Who actually writes the code?
The engineer whose CV you interviewed. No bait-and-switch, no junior backfill on regulated workloads.
Keep reading
Related hiring guides & services.
Ready to start a fintech engagement?
Two ways in. Either way, Manu joins the call personally for every new engagement.
NDA back within 4 hours · discovery call booked within 24 hours.