Can you make my fintech app RBI and PCI-DSS compliant?

We build compliance-ready architecture: data localisation in AWS ap-south-1 Mumbai, card tokenisation, encrypted PII, audit-friendly ledgers and role-based access that map to RBI and PCI-DSS expectations. We do not issue legal certification — RBI registration and PCI-DSS attestation require your CA/CS and a certified auditor. We build it so their audit is a walkthrough of an already-defensible system, not a punch list of things to redo.

Do you build UPI and payment integrations?

Yes. We integrate UPI collect/intent flows, Razorpay and Stripe, card tokenisation, payouts, refunds and webhook-driven reconciliation directly into Flutter and React Native apps. Abomed and Veda Milk run production payment and order flows today, so you get engineers who have already handled timeouts, pending states and double-charge edge cases with real money.

Do you build lending or BNPL apps?

Yes — application intake, EMI and repayment scheduling, disbursal and collection flows, and delinquency tracking, wired to plug into your NBFC/bank partner and credit-bureau APIs. We build the engine; we do not make underwriting or credit decisions we are not licensed to make. ClaimsMitra's 114+ endpoint backend shows the hardened rigor this needs.

How much does a fintech app cost in Bangalore?

In INR: a single-flow MVP (UPI wallet, lending front end, KYC funnel) runs Rs 8-16L; a multi-feature neobank, BNPL or wealth product Rs 12-35L; a full marketplace-grade platform with ledgers and compliance tooling Rs 35-60L+. Every quote comes itemised feature by feature before you sign, so there is no round-number guesswork and no discovery-phase invoice landing on you later.

Where is fintech data stored, and is it India-resident?

On AWS in the ap-south-1 Mumbai region, so payment, KYC and PII data stays resident in India in line with RBI's data-localisation directive. We encrypt data at rest and in transit, tokenise cards instead of storing PANs, and keep structured audit logs — the residency and security posture a partner bank or auditor expects to see.

Do you have a fintech office in Bangalore?

No, and we would rather be upfront than invent one. Our engineering HQ sits in Modinagar (UP) with a sales office in Noida, and we run Bengaluru fintech accounts fully over the wire — IST working hours, a live build walkthrough each week, a dedicated Slack channel, and senior engineers on your product. Bengaluru is India's fintech capital; the founders here hire teams that have shipped real payment systems, not teams that happen to sit nearby. We fly down for kickoffs when the moment warrants it.

How do you handle KYC and user onboarding?

We build regulation-aware onboarding: identity and document capture with CV extraction, liveness/selfie checks and Aadhaar/PAN verification wired to your chosen KYC vendor, with encrypted PII resident in India and an audit trail on every step. ClaimsMitra's CV-based document capture at scale is the same capture-verify-store pattern, applied to fintech onboarding.

Can you make my fintech app RBI and PCI-DSS compliant?

We build compliance-ready architecture: data localisation in AWS ap-south-1 Mumbai, card tokenisation, encrypted PII, audit-friendly ledgers and role-based access that map to RBI and PCI-DSS expectations. We do not issue legal certification — RBI registration and PCI-DSS attestation require your CA/CS and a certified auditor. We build it so their audit is a walkthrough of an already-defensible system, not a punch list of things to redo.

Do you build UPI and payment integrations?

Yes. We integrate UPI collect/intent flows, Razorpay and Stripe, card tokenisation, payouts, refunds and webhook-driven reconciliation directly into Flutter and React Native apps. Abomed and Veda Milk run production payment and order flows today, so you get engineers who have already handled timeouts, pending states and double-charge edge cases with real money.

Do you build lending or BNPL apps?

Yes — application intake, EMI and repayment scheduling, disbursal and collection flows, and delinquency tracking, wired to plug into your NBFC/bank partner and credit-bureau APIs. We build the engine; we do not make underwriting or credit decisions we are not licensed to make. ClaimsMitra's 114+ endpoint backend shows the hardened rigor this needs.

How much does a fintech app cost in Bangalore?

In INR: a single-flow MVP (UPI wallet, lending front end, KYC funnel) runs Rs 8-16L; a multi-feature neobank, BNPL or wealth product Rs 12-35L; a full marketplace-grade platform with ledgers and compliance tooling Rs 35-60L+. Every quote comes itemised feature by feature before you sign, so there is no round-number guesswork and no discovery-phase invoice landing on you later.

Where is fintech data stored, and is it India-resident?

On AWS in the ap-south-1 Mumbai region, so payment, KYC and PII data stays resident in India in line with RBI's data-localisation directive. We encrypt data at rest and in transit, tokenise cards instead of storing PANs, and keep structured audit logs — the residency and security posture a partner bank or auditor expects to see.

Do you have a fintech office in Bangalore?

No, and we would rather be upfront than invent one. Our engineering HQ sits in Modinagar (UP) with a sales office in Noida, and we run Bengaluru fintech accounts fully over the wire — IST working hours, a live build walkthrough each week, a dedicated Slack channel, and senior engineers on your product. Bengaluru is India's fintech capital; the founders here hire teams that have shipped real payment systems, not teams that happen to sit nearby. We fly down for kickoffs when the moment warrants it.

How do you handle KYC and user onboarding?

We build regulation-aware onboarding: identity and document capture with CV extraction, liveness/selfie checks and Aadhaar/PAN verification wired to your chosen KYC vendor, with encrypted PII resident in India and an audit trail on every step. ClaimsMitra's CV-based document capture at scale is the same capture-verify-store pattern, applied to fintech onboarding.

Fintech App Development Company Bangalore | Xenotix | Xenotix Labs

Q: Can you build a neobank or wallet app?

Yes. We build closed and semi-closed wallets on a correct double-entry, append-only ledger so balances are always provable and never drift under concurrent transactions. Top-ups, transfers, holds, reversals, statements and reconciliation against your PSP and bank settlement files are all in scope, on India-resident AWS ap-south-1 infrastructure.

A fintech app development partner for Bangalore founders — compliance-ready by design, honest about the legal line

Bengaluru is where India's fintech gets built — from the payments and neobank teams around Koramangala and HSR Layout to the lending and wealth-tech operators in Indiranagar and out toward Whitefield and Electronic City. The founders we talk to are not shopping for a logo on a listicle; they are trying to move regulated money safely and ship before a board meeting or a fresh regulatory circular lands. The head term 'fintech app development company bangalore' is crowded with directories. Xenotix competes on the one thing those pages cannot fake: 110+ production apps, real payment and ledger flows in the field, and founder-led engineers who understand what breaks when money moves.

We will be straight about two things, because fintech founders can smell hand-waving. First, geography: Xenotix has no physical office in Bengaluru. Our engineering HQ is in Modinagar (Uttar Pradesh) and our sales office is in Noida, and we serve Bangalore fintech teams fully remotely — same IST working hours, weekly demos, a shared Slack, and senior engineers on your product instead of a local account manager. Second, and more important: we build compliance-ready architecture, but we do not provide legal compliance certification. RBI registration, PCI-DSS attestation and audit sign-off come from your CA/CS and a certified auditor. We engineer so their job is a review, not a rebuild.

What 'compliance-ready' means concretely: we host on AWS in the ap-south-1 Mumbai region so payment and KYC data stays resident in India, which matters under RBI's data-localisation directive. We tokenise card data instead of storing PANs, encrypt PII at rest and in transit, keep append-only ledgers with a full audit trail, and put role-based access and logging around every money-moving endpoint. That is the PCI-DSS- and RBI-aware posture a founder needs when a partner bank, a payment aggregator or an auditor starts asking hard questions — the architecture is defensible on day one, not patched in after a failed audit.

Transparent cost is the part Bangalore fintech founders remember. A single-flow MVP — a UPI wallet, a lending front end, a KYC onboarding funnel — sits at ₹8-16L; a multi-feature neobank, BNPL or wealth product at ₹12-35L; a full marketplace-grade platform with ledgers, reconciliation and compliance tooling at ₹35-60L+. Up front you get scope itemised line by line and running software handed over every week to prove the spend. For a founder deploying investor money into a regulated product, knowing exactly what a rupee buys — and watching it work — beats a Bengaluru pin on a map.

Sub-services

What we ship inside fintech app development company in bangalore

Real engagements, real case studies — not a feature list. Each sub-service is one we have shipped to production.

Payments & UPI Integration

End-to-end payment rails: UPI collect and intent flows, Razorpay and Stripe integration, card tokenisation, subscriptions, payouts, refunds and webhook-driven reconciliation. We engineer for the failure modes real money exposes — network timeouts, double-charges, pending and stuck states, retries and idempotency — instead of shipping a happy-path demo that quietly breaks the first time settlement volume climbs at scale.

Use cases: UPI checkout for a D2C app, merchant payouts, in-app wallets top-ups, subscription billing, split settlements for a marketplace

Shipped on: Abomed runs on-demand payment and order-tracking flows in production; Veda Milk handles D2C order payments across customer and admin apps — real payment plumbing, directly reusable for fintech checkout.

KYC & Digital Onboarding

Regulation-aware onboarding: identity capture, document upload with computer-vision extraction, liveness and selfie checks through your chosen third-party provider, and Aadhaar/PAN verification flows wired to your KYC vendor. PII is encrypted, resident in India, and every onboarding step carries a full audit trail, so the flow survives an auditor's review rather than becoming a rework item after your first compliance check.

Use cases: Neobank sign-up, lending applicant verification, wallet activation, merchant onboarding for a payments product

Shipped on: ClaimsMitra runs CV-based document/image capture and structured field data at scale — the same capture-verify-store pattern KYC onboarding needs (cross-domain from insurance to fintech, same engineering).

Lending & BNPL Engine

The core of a lending or buy-now-pay-later product: application intake, configurable eligibility and credit-decisioning hooks, EMI and repayment scheduling, disbursal and collection flows, and delinquency tracking. It is built to plug into your NBFC or bank partner and credit-bureau APIs, rather than making the underwriting or credit decisions we are not licensed to make on your behalf.

Use cases: Consumer BNPL at checkout, personal-loan front end, merchant cash advance, EMI conversion on a wallet

Shipped on: ClaimsMitra's 114+ REST endpoints, geo-fencing and field-workflow backend proves we build hardened, stateful money-adjacent systems (cross-domain analogy — insurance workflows, but the same backend rigor lending needs).

Wallet & Ledger Systems

A closed-loop or semi-closed wallet on a correct double-entry ledger — append-only, reconciled and idempotent — so balances are always provable and never drift under concurrent transactions. Top-ups, transfers, holds, reversals and statements are all supported, with scheduled reconciliation jobs that check your ledger against your payment provider and bank settlement files so discrepancies surface early, not at audit.

Use cases: In-app wallet with cashback and holds, neobank balance and statements, escrow for a marketplace, loyalty/points ledger

Shipped on: Veda Milk's connected customer + delivery-partner + admin architecture and Cricket Winner's real-time event pipeline (Kafka/WebSockets) show we handle stateful, concurrent, money-and-order accuracy at scale.

Compliance-Ready Architecture

The security and residency backbone under everything above: AWS ap-south-1 (Mumbai) for data localisation, card tokenisation, PII encryption at rest and in transit, role-based access, structured audit logs and least-privilege secrets management — a PCI-DSS- and RBI-aware posture. We engineer the system for the audit; we do not issue the certification itself, which is your CA/CS and a certified auditor's job.

Use cases: Preparing for a partner-bank or aggregator security review, RBI data-localisation alignment, PCI-DSS-scoped card handling, audit-trail requirements

Shipped on: Every Xenotix production app runs on AWS ap-south-1 Mumbai; ClaimsMitra's enterprise backend demonstrates the access-control, logging and endpoint discipline a compliance review expects.

Tech stack reasoning

Why our stack fits Bangalore fintech

Flutter is our default for fintech mobile (70+ apps live), with React Native as the alternative (8 apps live), because a lean Bangalore team can serve both iOS and Android from a single codebase — but the security-critical surfaces get native modules: biometric auth, secure keystore and keychain storage, and SDK-level hooks for KYC liveness and payment providers. For money movement we wire in UPI, Razorpay and Stripe at the source, tokenising cards so raw PANs never touch your servers and your PCI-DSS scope stays tight. Which framework we pick follows your hiring roadmap and design, not our convenience.

The backend is where fintech is won or lost, so we run Node.js and Next.js over PostgreSQL for the transactional core — PostgreSQL because a ledger needs ACID guarantees, constraints and provable consistency that a document store simply cannot promise for money balances. We add MongoDB for high-volume append-heavy data, and Kafka, RabbitMQ and WebSockets for asynchronous, ordered, idempotent processing of payments, webhooks and reconciliation events. The durability those queues gave Cricket Winner — sub-second event delivery to a live audience without dropping a message under spiky load — is the exact property a settlement and reconciliation pipeline needs, only here the events are debits and credits rather than match updates.

Everything runs on AWS in the ap-south-1 Mumbai region, which keeps payment, KYC and PII data resident in India in line with RBI's data-localisation directive and cuts latency for Bengaluru and pan-India users. On top of that we layer encryption at rest and in transit, role-based access control, managed secrets and structured audit logging, so the system is defensible the moment an auditor or a partner bank starts reviewing it. This is the exact same infrastructure running our live production apps today — you are not a testbed for a stack we have never shipped.

Pricing & timeline

How much does fintech app development company in bangalore cost?

Published tiers, not opaque quotes. Every range below is one we have shipped engagements at.

Fintech MVP (single flow)

Rs 8L - 16L

$10k - $19k

Timeline8-14 weeks

Team2-3 (1-2 engineers + design + PM oversight)

ScopeOne core flow shipped end-to-end: e.g. UPI wallet, lending front end, or KYC onboarding funnel; auth, one payment integration, encrypted PII, basic admin, weekly demos

Best forPre-seed and seed Bangalore founders validating a single fintech flow or racing a fundraise window

Growth / Multi-feature Fintech

Rs 12L - 35L

$14.5k - $42k

Timeline3-5 months

Team3-5 (engineers + design + QA + PM)

ScopeNeobank/BNPL/wealth product: multiple money flows, wallet + ledger, KYC, both platforms, admin dashboard, reconciliation, credit-bureau or bank-partner integrations

Best forFunded Bangalore fintech teams scaling a v2 with real users, revenue and partner integrations

Marketplace-grade Platform

Rs 35L - 60L+

$42k - $72k+

Timeline5-9 months

Team5-8 (full pod + DevOps + specialist backend)

ScopeMulti-app suite, real-time processing (Kafka/RabbitMQ/WebSockets), full ledger + reconciliation, escrow/payouts, compliance tooling, audit logging, high-scale infra

Best forSeries-A Bangalore fintechs building a payments marketplace, lending platform or full neobank

Pricing varies with scope, integrations, and compliance needs. Every engagement starts with a fixed-scope written estimate after a 2-week paid discovery — never an open hourly meter.

Real case studies

Production case studies — not deck pages

Each fintech app development company in bangalore engagement below is live, in production, and serving real users today.

Abomed — on-demand payments & tracking

Problem

An on-demand delivery product needed reliable in-app payment and order-tracking flows that hold up when real money and real orders move through them concurrently.

Stack

Flutter, Node.js, payment integration, order-tracking backend, AWS (ap-south-1 Mumbai)

Outcome

Production payment and order-tracking flows — the exact checkout, status-transition and settlement plumbing a fintech wallet or BNPL checkout reuses (cross-domain: delivery to fintech, same payment engineering).

Veda Milk — connected wallet-style flows

Problem

A D2C dairy needed customer, delivery-partner and admin apps to stay in sync around orders, payments and live delivery — stateful accuracy across three roles, no drift.

Stack

Flutter, Node.js, PostgreSQL, live order tracking, route management, AWS

Outcome

A connected three-app system with consistent order/payment state and live tracking — the multi-role, provable-state discipline a wallet and ledger product depends on (cross-domain analogy from D2C to fintech).

Read case study

ClaimsMitra — enterprise-grade backend

Problem

An insurance survey/inspection platform needed a hardened backend that could run structured field workflows, geo-fencing and document capture reliably at scale.

Stack

Flutter, Node.js, PostgreSQL, 114+ REST endpoints, geo-fencing, CV document capture, AWS (ap-south-1 Mumbai)

Outcome

A production backend of 114+ REST endpoints with geo-fencing, access controls and audit-friendly workflows — proof we build the hardened, endpoint-heavy, audit-ready backend a regulated fintech needs (cross-domain: insurtech to fintech, same rigor).

Read case study

Why founders pick Xenotix

Why Xenotix Labs for fintech app development company in bangalore

Compliance-ready, honestly scoped

We build RBI-localisation- and PCI-DSS-aware architecture — India-resident data, tokenised cards, encrypted PII, audit-ready ledgers. We do not sell legal certification; that is your CA/CS and a certified auditor. We engineer so their sign-off is a review, not a rebuild.

Real payment flows in production

Abomed and Veda Milk run live payment and order-tracking plumbing in production today. You get engineers who have already handled timeouts, retries, pending states and reconciliation with real money moving through the system — not a team learning payments for the first time on your regulated product.

Enterprise-grade backend rigor

ClaimsMitra's 114+ REST endpoints, geo-fencing and structured field workflows prove we build hardened, stateful, audit-friendly backends. That is the exact backend discipline a regulated fintech ledger, wallet and lending engine demand — endpoint rigor and access control, not a fragile prototype backend behind a polished app.

India data residency by default

Every app we ship runs on AWS ap-south-1 (Mumbai), keeping payment, KYC and PII data resident in India in line with RBI's data-localisation directive. That also means low latency for your Bengaluru and pan-India users, and a residency story your partner bank and auditor expect to hear.

Transparent INR pricing

Fintech MVP Rs 8-16L, multi-feature Rs 12-35L, marketplace-grade platform Rs 35-60L+, and every quote arrives itemised feature by feature before you commit. No round-number guess you cannot question, and no discovery-phase upsell bolted onto what is already a complex, regulated build — you see exactly what each rupee is buying.

Honest remote-first delivery

We do not fake a Bengaluru office. We deliver from our India HQ on IST hours with weekly demos, a shared Slack and full IP ownership from day one, and we travel to Bangalore for kickoffs when it matters.

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A fintech app development partner for Bangalore founders — compliance-ready by design, honest about the legal line

What we ship inside fintech app development company in bangalore

Payments & UPI Integration

KYC & Digital Onboarding

Lending & BNPL Engine

Wallet & Ledger Systems

Compliance-Ready Architecture

Why our stack fits Bangalore fintech

How much does fintech app development company in bangalore cost?

Fintech MVP (single flow)

Growth / Multi-feature Fintech

Marketplace-grade Platform

Production case studies — not deck pages

Abomed — on-demand payments & tracking

Veda Milk — connected wallet-style flows

ClaimsMitra — enterprise-grade backend

We Build For Every Industry

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Why Xenotix Labs for fintech app development company in bangalore

Compliance-ready, honestly scoped

Real payment flows in production

Enterprise-grade backend rigor

India data residency by default

Transparent INR pricing

Honest remote-first delivery

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Frequently Asked Questions

Can you make my fintech app RBI and PCI-DSS compliant?

Do you build UPI and payment integrations?

Can you build a neobank or wallet app?

Do you build lending or BNPL apps?

How much does a fintech app cost in Bangalore?

Where is fintech data stored, and is it India-resident?

Do you have a fintech office in Bangalore?

How do you handle KYC and user onboarding?

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