Fintech software development services that ship safely.
WebCuber builds secure, compliant fintech platforms for banks, neobanks, lenders, payment processors and embedded-finance startups across the UK, UAE and Pakistan. From payment systems and digital wallets to KYC, AML and core ledger work — one senior team, end to end.
Everything a regulated fintech product needs.
Payment Systems
Card processing, ACH, SEPA, Faster Payments, and wallet rails integrated with Stripe, Adyen, Checkout.com and local PSPs.
Digital Wallets & Neobanks
End-to-end wallet, ledger and card-issuing platforms on top of Marqeta, Galileo, Treasury Prime and Railsr.
KYC, AML & Onboarding
Identity verification and risk scoring with Onfido, Persona, Sumsub and ComplyAdvantage — fully audit-logged.
Security & Compliance
PCI-DSS scope reduction, SOC 2 controls, PSD2 SCA, GDPR, ISO 27001 and tokenisation built in from day one.
Lending & Underwriting
Loan origination, decisioning engines, BNPL flows and collections — with explainable AI risk models.
Open Banking & APIs
Open Banking, FDX and PSD2 integrations using TrueLayer, Plaid, Tink and Salt Edge.
Built for boards, regulators and your CFO.
We've shipped payment, lending and wallet products that move real money for real customers. Every decision — from cloud region to crypto algorithm — is documented, reviewed and pen-tested before it touches production.
- Senior engineers with 8+ years in regulated payments and banking
- PCI-DSS, SOC 2, ISO 27001 and PSD2 ready architectures
- 99.99% uptime SLA on payment-critical workloads
- Fraud, AML and risk built in — not bolted on
- Multi-region deployment across UK, EU, UAE and Pakistan
- Fixed-scope MVPs from 8 weeks; long-term retainers from day 90
A delivery model regulators are happy with.
01
Discovery & Compliance Map
We map your product against PCI-DSS, PSD2, FCA, SBP and CBUAE rules and design the minimum compliant scope.
02
Architecture & Threat Model
Event-sourced ledger, double-entry accounting, HSM-backed key management, zero-trust networking and STRIDE threat model.
03
Build & Integrate
We build core services, integrate PSPs, KYC vendors, core banking, card issuers and reporting in 2-week sprints with weekly demos.
04
Pen-Test & Launch
Independent pen-test, load test to your peak TPS, runbooks, on-call rotation and gradual rollout behind feature flags.
05
Operate & Scale
24/7 monitoring, incident response, quarterly compliance reviews and a continuous roadmap tied to revenue metrics.
Fintech development, answered.
Do you build PCI-DSS compliant payment systems?+
Yes. We design architectures that minimise PCI scope (tokenisation, hosted fields, network tokens) and then build, document and help you certify against PCI-DSS v4.0 with QSA partners.
Can you integrate with our existing core banking or PSP?+
We integrate with Stripe, Adyen, Checkout.com, Mambu, Thought Machine, Finastra, Temenos, Marqeta, Galileo, Treasury Prime, TrueLayer, Plaid and most local rails in Pakistan, UAE and UK.
How long does a fintech MVP take?+
A focused MVP — onboarding, KYC, a ledger, one payment rail and a basic admin — typically takes 10 to 14 weeks. Full neobank or lending platforms run 5 to 9 months.
Do you cover regulatory licensing?+
We don't act as a law firm, but we partner with specialised counsel in the UK (FCA), UAE (CBUAE / ADGM / DIFC) and Pakistan (SBP / SECP) and build to the controls those regulators expect.
How do you handle fraud and AML?+
We combine vendor signals (Sift, Sardine, ComplyAdvantage), rule engines and ML scoring with full case-management workflows and SAR-ready audit trails.
Ready to ship your fintech product?
Book a 30-minute call with a senior engineer — we'll map your compliance scope, architecture and 90-day plan for free.
Talk to a fintech engineer