FinTech
Secure payment gateway development, digital wallet architecture, lending platform backends.
How we work in fintech
RNDSOL is a fintech software development company building payment gateways, digital wallets, and lending platforms for GCC and international markets. Financial software gets judged on two things: does the money move correctly, and can you prove it to a regulator. Everything else is decoration. We build fintech systems where reconciliation balances to the penny and every transaction leaves an audit trail a compliance officer can actually read.
Our teams in Lahore, Pakistan have shipped payment middleware for a regional fintech processing thousands of transactions daily, digital wallet backends, and lending platforms with automated KYC flows. If you're looking for fintech compliance software for GCC markets, that's territory we know well: SAMA's frameworks in Saudi Arabia, ADGM and DIFC regimes in the UAE, and the State Bank of Pakistan's rules at home.
We don't treat PCI DSS as paperwork. Card data flows get tokenized, segmented, and scoped down so your audit surface stays small. It's the difference between a two-week assessment and a six-month one.
What we build
The problems that bring teams to us
These are the patterns we see most often in fintech engagements, and how we handle them.
Multi-jurisdiction compliance
A wallet serving Riyadh, Dubai, and Karachi answers to three regulators with different reporting formats. We design compliance as configuration, so a new jurisdiction is a rules change, not a rebuild.
Payment reliability under load
Salary day traffic spikes are predictable, so failures during them are inexcusable. Our payment middleware work includes idempotent transaction handling and queue-based retries, which took one client's failed-transaction rate from 2.1% to under 0.1%.
Fraud and AML screening
Screening can't add seconds to checkout. We build rule engines and velocity checks that run in-line for the obvious cases and route only genuine edge cases to manual review.
Legacy bank integrations
Core banking systems speak ISO 8583, SOAP, and sometimes SFTP file drops. We've written adapters for all of them, wrapped behind clean APIs so your product team never has to think about it again.
Lending and leasing lifecycles
Origination is maybe a fifth of a credit product. Amortization schedules, early settlements, restructures, delinquency buckets, and end-of-term handling are where lending and asset finance systems earn their keep. We model the full contract lifecycle from day one, including Islamic finance structures like ijarah and murabaha where GCC products call for them.
Onboarding without drop-off
Every extra KYC step loses applicants, and every skipped one worries the regulator. We build eKYC flows with document capture, liveness checks, and sanctions screening through your chosen providers, tuned so a clean applicant finishes in minutes and only flagged cases wait for manual review.
How a project runs
Compliance mapping before code
We start by listing every applicable rule: PCI DSS scope, SAMA or ADGM requirements, AML thresholds. Each becomes a testable system requirement with an owner, not a line in a policy PDF.
Tokenize early, scope small
Card and account data get tokenized at the edge so most of your platform never touches sensitive values. Smaller PCI scope means cheaper audits and fewer places for things to go wrong.
Reconciliation as a feature
We build settlement and reconciliation reporting into the first release, not as an afterthought. Finance teams get daily balancing out of the box, and discrepancies surface in hours instead of at month end.
Load-test the worst day
Before launch we simulate your peak: salary day, Eid transfers, Black Friday. Capacity plans are written against measured numbers, and we keep the test harness so you can rerun it after every release.
Built to the rules your sector runs on
Standards and regulations we design against in this industry. Your compliance team owns interpretation; our job is making the system enforce it.
Questions we hear from teams like yours
Certification attaches to the environment that stores card data, which is usually yours or your processor's. What we bring is engineering practice aligned to PCI DSS v4.0: tokenization, network segmentation, logging, and scope reduction, plus experience supporting clients through their own assessments.
Yes. We've delivered payment middleware for a GCC fintech operating under regional oversight, and we build reporting, data residency, and audit features to the regulator's published requirements. Your compliance counsel signs off on interpretation; we make the system enforce it.
Defense in layers: encrypted transport and storage, secrets management, least-privilege access, dependency scanning, and independent penetration testing before go-live. We also design for the boring failures, like a queue backing up, because those cause more incidents than attackers do.
Constantly. Open banking APIs where they exist, ISO 8583 and file-based interfaces where they don't. Integration adapters are usually the first milestone in our fintech projects because everything downstream depends on them.
Five to eight months for origination, KYC, disbursement, and repayment tracking, depending on how many integrations sit in the critical path. We ship in two-week sprints, so you'll see working software from month one.
Yes. Vehicle and equipment finance runs on contract lifecycle mechanics: origination with credit decisioning, servicing with amortization and contract variations, collections, and end-of-term steps like residual value settlement. We build these as custom platforms or as extensions around an existing core, and dealer or broker portals usually follow in phase two.
We do, as fintech's next-door neighbour. Policy administration, quote-and-bind flows, underwriting rule engines, and claims workflows with document handling all draw on the same compliance-first engineering we use for payments and lending. It's adjacent work we accept regularly rather than a separate practice.
Talk to us about your fintech project
A 30-minute call with an engineer, not a salesperson. We'll tell you what we'd build, what we wouldn't, and what it's likely to cost.