Fintech Software Development

Square is a software house in Tirana that builds secure, reliable financial software — from payment flows to auditable back-office systems — with full CET overlap with Italy and the EU. This is a capability page: we engineer fintech-grade software, and our concrete payments proof is SunEasy's cashless in-app transactions.

What fintech software demands

Financial software lives or dies on security, reliability and auditability. Every transaction has to be correct, traceable and recoverable, and every data path has to respect the user's privacy and the law. We engineer with those constraints from day one rather than 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, and they have to be both seamless for the user and rigorous under the hood. We've built and operate cashless in-app payments for SunEasy, our beach reservation platform on the Albanian Riviera, which has handled 20,000+ bookings for 10,000+ users across 25+ beaches. That is real, in-production payment experience you can point to.

  • 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 we work within a legal and data framework that is familiar to Italian and EU clients. We engineer with GDPR-aware data practices — data minimisation, consent, access controls and clear retention — so compliance is part of the build, not an afterthought. Where a project needs formal certification, we structure the system to support your audit rather than claim badges we don't hold.

  • GDPR-aware data handling: minimisation, consent and retention
  • EU-aligned legal and data framework familiar to Italian clients
  • 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 wired into cloud infrastructure with CI/CD. The team is fluent in English and Italian and works in full CET overlap with Italy and the EU, 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

You can work with Square as a dedicated team, as a fixed project-based delivery, or through staff augmentation that extends your in-house engineers. Every engagement starts with a written estimate, and our public rate band is €35–55/hour — typically 30–60% below comparable Western-European software houses. A fintech MVP typically takes 8–16 weeks; a full production build runs 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
  • €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?
    This is a capability page, not a portfolio. The one concrete payments product we can cite is SunEasy, our own beach reservation platform, which runs cashless in-app payments in production for 10,000+ users and 20,000+ bookings. For dedicated fintech engagements we bring that real payments experience plus a security- and compliance-aware engineering approach.
  • How do you handle security and auditability?
    We engineer security in from the start: encrypted data in transit and at rest, strong authentication, role-based access control, and append-only, traceable transaction logs. The architecture is built to be audit-ready and observable so issues surface before users feel them, rather than security being added at the end.
  • Are you GDPR and EU compliant?
    We apply GDPR-aware data practices — data minimisation, consent, access controls and clear retention — and Albania is an EU candidate country aligning with the acquis, so the legal and data framework is familiar to Italian and EU clients. We structure systems to support your formal compliance and audit; we don't claim certifications we don't hold.
  • What technologies do you use for fintech software?
    React, Next.js and TypeScript on the frontend; Node.js and PostgreSQL on the backend; React Native or Flutter for mobile; all running on cloud infrastructure with CI/CD. It's a modern, well-supported stack chosen for reliability and long-term maintainability.
  • How much does fintech software development cost?
    Our public rate band is €35–55/hour, typically 30–60% below comparable Western-European software houses. Every engagement starts with a written estimate so you know the scope and cost up front, whether it's a dedicated team, a fixed project, or staff augmentation.
  • How long does it take to build a fintech product?
    A fintech MVP typically takes 8–16 weeks, and a full production build runs 4–9 months, depending on scope and integrations. We work in full CET overlap with Italy and the EU, so collaboration happens in your working hours.

Fintech Software Development

Square is a software house in Tirana that builds secure, reliable financial software — from payment flows to auditable back-office systems — with full CET overlap with Italy and the EU. This is a capability page: we engineer fintech-grade software, and our concrete payments proof is SunEasy's cashless in-app transactions.