Securenext made it a virtually seamless process from start to finish. Whether it was interpretation of design, thoughts on how to do the better site, or updates of the following projects. And their team was so responsive and extremely helpful throughout the whole process. They have a dedicated team to make sure that each and every project meets the highest standards and is delivered exactly the way we envisioned it.
Industry: Fintech
Fintech Software Development
SecureNext Softwares builds fintech platforms that are secure by design and audit-ready — wallets & escrow, payments, lending, KYC/AML and wealth management. We pair PCI DSS / SOC 2 engineering practice with modern UX so neobanks, fintech startups and banks can launch faster without compromising compliance.
23+YEARS IN IT BUSINESS
80+EMPLOYEES
2,600+PROJECTS COMPLETED
1,000+HAPPY CUSTOMERS
Our Trusted Clients
Industry Challenges
Where Fintech teams get stuck
Secure, compliant fintech platforms for banking, payments, lending and wealth management.
01
Compliance complexity
PCI DSS, SOC 2, GDPR, PSD2, RBI/SEBI/FCA regulations all apply simultaneously to many fintech products.
02
Fraud and security
Fintech apps are constant targets for fraud, account takeover and APIs scraping at scale.
03
KYC & AML overhead
Manual KYC workflows cost time, money and customer drop-off — automation is essential.
04
Real-time settlements
Modern customers expect instant payments, real-time balances and live reconciliation.
What we build
Fintech solutions we deliver
SecureNext Softwares builds fintech platforms that are secure by design and audit-ready — wallets & escrow, payments, lending, KYC/AML and wealth management. We pair PCI DSS / SOC 2 engineering practice with modern UX so neobanks, fintech startups and banks can launch faster without compromising compliance.
Payment gateways
Card, UPI, wallet and ACH integrations with tokenisation, 3DS2 and PCI-DSS-scoped vaults.
KYC / AML automation
Identity verification, document OCR, liveness checks, sanctions screening and case management.
Escrow & wallet management
Secure in-app wallets and escrow that let friends and family hold, share and transfer funds — with or without interest.
- Give every user a secure in-app wallet to hold, add and withdraw funds.
- Share money between friends and family, with the option to apply interest on shared funds or transfer them interest-free.
- Move money between accounts and top up wallets through the Dwolla API.
- Hold funds in escrow and release them to the right party once the agreed conditions are met.
- Run an automated end-of-day reconciliation to verify every transaction and keep balances accurate.
- Maintain a complete transaction ledger and audit trail for dispute resolution and compliance.
Lending & loan management
End-to-end loan origination, credit decisioning, disbursement and collections — built on real lending-rail integrations.
- Pull applicant credit scores in real time through the TransUnion API.
- Connect customer bank accounts via Plaid to verify balances and transaction history.
- Auto-decision the eligible loan amount from credit score and bank activity.
- Amortise approved loans into scheduled repayments, with automatic late fees on defaults.
- Capture borrower and lender e-signatures on loan contracts using DocuSign.
- Disburse and collect funds via the Dwolla API and Actum ACH, plus wire and card rails (Stripe, Atom, Bank of India).
Wealth & stock management
Goal-based investing, personalised portfolios and full brokerage integration for stock trading.
- Onboard and verify investors, then build personalised portfolios tuned to each goal and risk tolerance.
- Check bank statements through Plaid and fund investment accounts instantly from any linked US bank.
- Execute every stock transaction through the DriveWealth API.
- Surface daily performance graphs and detailed statistical data.
- Let customers withdraw their investment back to their bank account at any time.
- Collect signatures from both investors and the brokerage via DocuSign.
Why SecureNext
Why teams choose SecureNext for Fintech
23+ years of IT experience, 80+ in-house engineers in Chennai, India, and 2,600+ delivered projects — including deep expertise in fintech.
PCI DSS & SOC 2 ready
We engineer for audit from day one — segregated data zones, key rotation and audit logs.
Fraud-resistant design
Device fingerprinting, behavioural analytics, anomaly detection, OTP and step-up auth.
Banking-grade integrations
Experience with Visa/Mastercard, NPCI/UPI, SWIFT, Plaid, Stripe and core banking APIs.
Regulatory-aware product teams
PMs and engineers familiar with RBI, SEBI, GDPR, PSD2 and FCA constraints.
Technologies
The Fintech tech stack we use
React Native / FlutterNode.js / Java / .NETKotlin / SwiftPostgreSQL / OracleAWS / Azure / GCPVault / HashiCorp KMSKafka for eventsPlaid / Stripe / RazorpayTransUnionDwolla / Actum ACHDriveWealthDocuSign
Frequently Asked
Fintech questions, answered
Are your fintech apps PCI DSS compliant?
Yes. We architect fintech apps to PCI DSS scope-minimisation principles — tokenising card data through PCI-compliant vaults (Stripe, Razorpay, Adyen or in-house), never letting raw PANs hit your servers, and isolating the cardholder data environment.
Can you integrate with Indian payment rails like UPI and Razorpay?
Yes. We integrate with NPCI UPI, RBI-licensed PA/PG providers, Razorpay, PayU, Cashfree, Paytm and BharatPe, plus AePS and BBPS for financial inclusion use cases.
Do you build neobank / digital banking platforms?
Yes. We have built neobank front-ends and middleware on top of BaaS providers and core banking systems — including onboarding, KYC/eKYC, accounts, cards, transfers, BNPL and savings.
Can SecureNext help with fraud prevention?
Yes. We layer device fingerprinting, behavioural analytics, velocity rules, sanctions screening and 3DS2 step-up authentication. ML-based anomaly detection on transactions adds another defensive layer.
Other Industries
Explore more industry domains
Testimonials
Our Happy Clients
Securenext made it a virtually seamless process from start to finish. Their team was extremely responsive and helpful throughout the whole process. They have a dedicated team to make sure each project meets the highest standards.
SecureNext Softwares has the one thing that other outsourced software and website development services lack, communication. SNS not only listens to me and understands what I need, they improve every project beyond the original specifications.
Working on my website with Securenext was the best experience I have ever had in my programming experience. From the second I approached the company I had someone to talk to who takes care of everything!
If you are after a professional web design & development company I would recommend Securenext, not only do they have fantastic web development skills but an awesome team of web designers that have enabled me to outsource all my website design work without any hassle.
Working with SecureNext Softwares has been a great experience for my business. Over the last few years I had struggled to find a high quality, reliable, and professional programming group to develop and maintain our in-house and client projects. SecureNext Softwares was different in every way.
Building in Fintech? Let's talk.
Whether it's a new product or an existing platform that needs a senior team behind it, our fintech engineers are ready.
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