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PCI DSS compliant software engineering from Poland. We build payment processing platforms, KYC/AML onboarding, neobank MVPs, trading systems and PSD2 open banking integrations for fintech companies in US, UK and EU. EU-based, GDPR aligned, with senior engineers from Polish banking and fintech backgrounds.
Trusted by teams across Europe
Polish engineers work with some of the biggest European banks (mBank, PKO BP, Santander Bank Polska) and PSD2 TPPs. Compliance-heavy code, strict release processes, adversarial testing — baseline expectation, not a premium add-on. $65-85/h for senior fintech engineers, vs $180-280/h for equivalent in US or London. EU-based means PSD2, GDPR and MiCA frameworks are native, not imported knowledge. Timezone overlap supports real-time incident response for production payment systems.
Integrate with Stripe, Adyen, Checkout, Braintree, Worldpay, or build your own PCI-scope payment flow. 3DS2 SCA compliant, tokenization, recurring billing, chargebacks.
End-to-end onboarding with 3rd-party KYC vendors (Onfido, Sumsub, Veriff, Jumio). Risk scoring, PEP/sanctions screening, ongoing monitoring, SAR workflows.
Digital-first banking: mobile apps, card issuance (Marqeta, Treezor), accounts, payments, lending. Backend on Kotlin/Java, mobile on Swift + Kotlin or React Native.
Both sides: ASPSP APIs for banks, TPP integrations for fintechs. Integration with aggregators (TrueLayer, Tink) or direct bank APIs. AIS, PIS, CoF.
Order management systems, execution management, low-latency trading, broker platforms. FIX protocol expertise, connection to prime brokers and liquidity providers.
Compliant crypto exchanges and custodial wallets, MiCA-ready for 2024-2026 EU rollout. Wallet infrastructure (custodial, MPC), blockchain integrations, stablecoin rails.
Fintech projects start with a compliance scope workshop. We agree with your compliance team and QSA which frameworks apply, what's in scope, and what technical controls we'll implement to evidence compliance.
Cardholder data never leaves PCI scope, dev access via break-glass with time-limited credentials. Tokenized data in dev environments, encrypted MDM-managed laptops, audit trail on every privileged action.
Polish engineers ship code for some of the largest EU banks. PSD2, GDPR, MiCA frameworks are native, not imported knowledge. We do not pretend to be compliance advisors, we implement the technical controls and document them for your auditor.
Discuss your fintech projectYes. We routinely work on code inside PCI DSS scope. Our approach: minimize scope through tokenization and network segmentation, limit developer access to cardholder data environments (CDE) via time-bound VPN and MFA, document access in audit trail, support client's QSA (Qualified Security Assessor) during annual assessment. We do not host client CDE, we build and maintain code that runs in client's PCI-compliant infrastructure.
Payment processing platforms (gateway integrations with Stripe, Adyen, Checkout, Braintree, local PSPs), neobanking MVPs and digital-first banking apps, KYC/AML onboarding flows (Onfido, Sumsub, Veriff, Jumio), trading and order management systems, open banking aggregators (PSD2 TPP), B2B payments and invoice financing, BNPL platforms, crypto exchanges and wallets, insurtech platforms.
Yes. We have built both ASPSP (Account Servicing Payment Service Provider) APIs and TPP (Third Party Provider) integrations. Common use cases: account information (AIS), payment initiation (PIS), and confirmation of funds (CoF). We integrate with OB aggregators like TrueLayer, Tink, Plaid (for US), and direct bank APIs. Strong Customer Authentication (SCA) flows aligned with RTS.
PCI DSS (card data), PSD2 + RTS (EU payments), GDPR, SOC 2 Type II, ISO 27001, AMLD5/6 (anti-money-laundering directives), MiCA (crypto-assets in EU from 2024-2026), Dodd-Frank and FINRA rules for US trading platforms. For UK-specific work: FCA permissions context and SYSC. We do not act as compliance advisor, we implement the technical controls and document them for client's compliance team.
Payment gateway integration: $15-60k (1-3 months). KYC/AML onboarding flow with 3rd-party vendor: $40-100k (2-4 months). Neobanking MVP (mobile + backend + basic compliance): $180-500k (6-12 months). Trading system or OMS: $250k-1.5M (8-18 months). Rates: senior fintech dev with PCI DSS experience $65-85/h, architect $90-120/h.
Cardholder data (PAN, CVV, expiry) never leaves PCI-scope production environment. Development uses tokenized or synthetic data. Access to production logs or DB reads is gated via break-glass process with time-limited credentials. All commits and code reviews are tracked. Developer laptops are encrypted, MDM-managed, with full-disk encryption enforced. We support client's compensating controls for foreign subprocessor access.
Tell me what fintech product you want to build, regulatory load and PCI scope. We propose scope and compliance setup within 5 working days.
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