Fintech Software Development
Fintech software development for payment flows, transaction records and back-office systems that must be secure, correct and audit-ready. Our payments proof is SunEasy, with cashless in-app transactions in production. We work from Tirana, in your CET hours.
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What fintech software development demands
Financial software lives or dies on security, reliability and auditability. Every transaction must be correct, traceable and recoverable, and every data path must respect privacy and the law. We design for those constraints from day one instead of bolting them on at the end.
- Security by design: encrypted data in transit and at rest
- Reliable transaction handling with clear failure and retry paths
- Full auditability: traceable, append-only event and transaction logs
- Strong authentication and granular, role-based access control
- Resilience and observability so issues surface before users feel them
Secure payment flows
Payments are the core of most fintech products: seamless for the user, rigorous under the hood. We built and operate the cashless in-app payments of SunEasy, our beach reservation platform on the Albanian Riviera, with 20,000+ users and 20,000+ bookings across 25+ beaches. That is payment experience in production, not on a slide.
- Cashless in-app payment flows, proven in production with SunEasy
- Integration with established payment providers and gateways
- Idempotent, consistent handling so charges never double or vanish
- Reconciliation-friendly records for finance and reporting
- Clear receipts, refunds and transaction states for end users
Compliance-aware, EU-aligned engineering
Albania is an EU candidate country aligning with the acquis, so the legal and data framework is familiar to EU clients. We build with GDPR-aware data practices (minimisation, consent, access control, clear retention), so compliance is part of the build. Where a project needs formal certification, we structure the system to support your audit; we do not claim badges we don't hold.
- GDPR-aware data handling: minimisation, consent and retention
- EU-aligned legal and data framework
- Audit-ready architecture and documentation
- Data residency and access policies defined up front
- Honest scope: we build to support your compliance, we don't sell badges
The stack and the team behind it
We build fintech software on a modern, well-supported stack: React, Next.js and TypeScript on the frontend, Node.js and PostgreSQL on the backend, React Native or Flutter for mobile, all on cloud infrastructure with CI/CD. We work in English and Italian, in full CET overlap, one to two hours by flight from Italian and Central European hubs.
- Frontend: React, Next.js, TypeScript
- Backend: Node.js, PostgreSQL
- Mobile: React Native or Flutter
- Cloud infrastructure with CI/CD pipelines
- Fluent English and Italian, full CET working-hours overlap
Engagement models and timelines
Work with Square as a dedicated team, as a fixed-price project, or through staff augmentation that extends your in-house engineers. Every engagement starts with a free written estimate. Our public rate band is EUR 35-55/hour, typically 30-60% below comparable Western European software houses. A fintech MVP takes 8-16 weeks; a full production build takes 4-9 months.
- Dedicated team embedded in your roadmap
- Fixed, project-based delivery with a written estimate
- Staff augmentation to extend your in-house engineers
- EUR 35-55/hour, typically 30-60% below Western European houses
- MVP in 8-16 weeks; full production build in 4-9 months
FAQ
Frequently Asked Questions
Has Square built fintech products before?
Not a bank or a wallet, and we say so. What we run in production is payment-heavy software: SunEasy takes cashless in-app payments, and VOS, our Albanian fiscalization and accounting platform, signs and registers invoices with the tax administration in real time. Fintech projects get that experience plus a security-first engineering approach.
Do you hold a payment or e-money licence?
No. Square is a software company, not a payment or e-money institution, and we never hold client funds. Licensing sits with you or with the regulated provider you build on, such as a payment gateway or a banking-as-a-service partner. We design the system so the licensed party keeps the controls and records it needs.
Can you integrate with our bank, PSP or core system?
Yes, through the APIs they provide. We build against their sandbox first and test the unhappy paths, such as timeouts, duplicate callbacks, partial refunds and reversals, before anything touches real money. Each integration gets reconciliation reports that compare your records with the provider's statements, on a schedule you set.
Can you work under our security policies and audits?
Yes. We sign an NDA, work in repositories and cloud accounts you own with least-privilege access, and follow your code review and change process. Your auditors or an external penetration tester can review the system at any time, and we plan time in the schedule to fix what they find.
What do you need from us for an estimate?
A short description of the product, the main user flows, the payment or banking providers involved and any regulatory constraints you already know about. From a call on that basis we prepare a written estimate with scope, cost range and timeline, and the estimate is free, whichever engagement model you choose.
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Tell us what you need built.
We reply within a few hours on CET working days, and by the next working day at the latest.