Solution
Fintech&Payments
Payment rails, ledgers and subscriptions that balance to the penny.
From £15,000Indicative. Every project is quoted to scope.
Fixed-price packages
Packages.
Clear, fixed starting prices. Pick a package or ask us to quote to your exact scope.
We build payment and money-movement systems that stay correct under load, with double-entry ledgers that always balance and KYC and PCI handled properly. Money is tracked in integer minor units, never floats.
What we do
Payment rails and subscriptions
Integrating card, bank and wallet payments alongside recurring billing that handles retries, dunning and refunds. We build for the failure cases, not just the happy path.
Ledgers and reconciliation
Double-entry ledgers that give you an auditable record of every movement, and reconciliation that matches your books to the processor to the penny. Discrepancies are surfaced, not hidden.
KYC, AML and PCI
Identity checks, sanctions screening and PCI-aligned handling of card data, scoped so you take on only the compliance burden you must. We keep sensitive data out of systems that do not need it.
Where it fits
Use cases.
Double-entry ledger
We build a ledger where every movement of money is balanced and immutable, so your books always add up. This becomes the single source of truth for balances, payouts, and reporting.
Subscriptions and billing
Handle plans, trials, proration, retries, and dunning through providers such as Stripe. Failed payments are retried sensibly and the ledger stays in step with the provider.
Reconciliation and compliance
Match provider records against your ledger automatically and flag anything that does not line up. We integrate KYC and AML checks and build to PCI-aware practices.
Capabilities
Everything it covers.
- Double-entry ledger with immutable, auditable entries
- Integration with payment rails and providers
- Subscription billing with proration, retries, and dunning
- Automated reconciliation against provider statements
- KYC and AML check integration
- PCI-aware handling that keeps card data out of your systems
- Idempotent, replay-safe money movement
- Clear audit trails for every transaction
Typical timeline
A core ledger with one payment flow is usually demonstrable in six to ten weeks; billing and reconciliation build on top.
How scope works
We build to PCI-aware and regulation-aware practices and integrate licensed providers, but we are not your regulator or licensed institution. Formal compliance sign-off remains with you and your advisers.
From £15,000
How we work
Four steps, no surprises.
Scope
We map the goal, the constraints and the risks, and agree a fixed brief before anything starts.
Design
Interfaces, architecture and the plan, reviewed with you before a line of code is written.
Build
Type-safe, tested delivery in short increments you can see and steer.
Launch & care
We ship, hand over everything, and keep it running if you want us to.
What you get
Deliverables
- Payment integration with retries, refunds and webhooks
- Double-entry ledger with an auditable transaction history
- Automated reconciliation against your processor
- KYC and AML checks wired into onboarding
- PCI scope assessment and data-handling documentation
Tools & technology
- Payment rails
- Double-entry ledgers
- KYC and AML
- PCI DSS
Outcomes
What you can expect.
Books that balance because the ledger enforces it
Money movements that are safe to retry without duplication
Reconciliation breaks surfaced early rather than at month end
A payments core auditors and partners can inspect with confidence
Questions
Good to know.
How long does Fintech & Payments take?
Timelines depend on scope. Most engagements run from a few weeks to a few months, and you get a firm estimate after a short scoping call.
How is it priced?
From £15,000 is an indicative starting point. Every project is quoted to the scope we agree, with no surprises later.
Do we own what you build?
Yes. You own the source code, the design files and the accounts. There is no lock-in.
Do you maintain it after launch?
We can. Hosting, monitoring and updates are available as an ongoing plan, or we hand over cleanly to your team.
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