Successfully delivering secure, compliant, and scalable payment solutions aligned with PCI DSS and PCI SSF, designed with strong data protection, AML controls, and compliance readiness across US and European financial regulatory frameworks.
15+
Years of experience in payments solutions
800+
Tech-savvy experts ready to start now
2-4
Months is an average MVP delivery window
400+
Happy clients across the globe
Our Payment Processing Software Development Services
From discovery to launch and support, we help fintechs, PSPs, and enterprises build scalable payment processing solutions aligned with PCI standards and risk controls. Modernize legacy stacks, integrate gateways and providers, and deliver smooth experiences across web, mobile, and POS.
Payment Processing Platform Development
Payment Gateway Development and Integration
Custom API Services
Anti-money laundering (AML) / Know your customer (KYC) compliance audit
Multi-Currency Processing Integration
Fraud Prevention and Compliance Readiness
Didn’t see your exact service above? Tell us your use case — custom work is our norm. NDA available.
Our Related Expertise
The fintech domain is versatile. Understanding this, we’ve been honing our fintech expertise for years, diving deep into fintech technology aspects in addition to the business side of things. Now, we proudly introduce a wide variety of custom fintech software solutions that we can provide based on your business needs.
Open Banking & Analytics
Integrate open-banking APIs to unlock account data, real-time insights, and personalized offers — with secure consent, data lineage, and audit-ready controls.
Payment Service Solutions (PSP)
Gateways, orchestration, smart routing, ledgers, reconciliation, and chargebacks — with PCI-aware delivery, strong authentication, dispute tooling, and reporting.
Agentic AI in Finance & ML
LLM agents for operations and compliance, document extraction, underwriting support, anomaly detection, and forecasting — built with PII governance and human-in-the-loop guardrails.
Embedded Finance
Add banking functions — accounts, cards, payments, and lending — directly into your product. We design compliant flows, partner integrations, and fast MVP delivery.
Compliance & Risk Management
KYC/KYB orchestration, AML/sanctions screening, fraud detection, and lending risk tools. Secure SDLC, audit trails, and alignment with PCI/ SOC/GLBA expectations.
Digital Banking & Mobile Wallet Apps
Onboarding, account opening, transfers, cards, rewards, statements, alerts, and 2FA — delivered on iOS, Android, and Web with secure APIs and cloud-ready architecture.
Case Studies
Lending Platform Transformation
Emerline engineered a new, data-driven foundation for our business that increased our loan approval accuracy and transformed our customer journey from weeks of paperwork into minutes of seamless interaction
Solution category
Digital lending platform
Country
USA
Industry
Fintech
Transforming Global Compliance: How an AI-Powered AML Solution Increased Threat Detection by 4X and Cut False Positives by 60%
A fast-growing regional bank, overwhelmed by the inefficiency of its legacy compliance systems, partnered with Emerline to develop a next-generation Anti-Money Laundering (AML) platform. The resulting AI-powered solution transformed its operations, enabling investigators to focus on high-risk threats, dramatically improving efficiency, and significantly strengthening the bank's overall risk posture.
Data Science Solution for the Fintech Sector
Merchant recognition solution based on ML.
Launching an Automated Claim-Settlement Platform for SquareDash
Helping an ambitious fintech startup build up its MVP to a full-fledged production platform — in 14 months
Why US Companies Trust Emerline
3-5
Months is the average period for MVP delivery
3+
Business days is the setup of a project team
100+
Silicon Valley, US, UK, and EU startups we worked with successfully passed at least two rounds of investments
80%
of our customers turn to us by recommendation
Compliance-Ready & Security-First
We prioritize PCI-scope reduction and data integrity, ensuring your systems are audit-ready (SOC2, PCI DSS) from day one.
Agentic Fraud Prevention
We deploy AI agents for real-time monitoring of behavioral biometrics, proactively stopping ACH and card-not-present fraud.
Engineered for Infinite Scalability
Cloud-native, microservices-first architecture designed to handle sub-second latency even during massive traffic spikes.
Predictable Delivery Model
We replace clichés with a disciplined, transparent execution model focused on hit-rate milestones and predictable velocity.
Seamless Ecosystem Interoperability
Expert API-first orchestration for flawless integration with US bank cores, BaaS providers, and ERPs.
US-Centric Strategic Support
Deep expertise in local market drivers, from FedNow and RTP integrations to CCPA data privacy compliance.
Awards & Recognitions
With a proven track record of completed projects in fintech and other domains, we’ve helped Fortune 500 startups and established enterprises worldwide achieve better outcomes with next-gen software solutions. Today, we are proud to be recognized as a reliable software provider on a global scale.
Our Fintech Software Development Workflow
Discovery and planning
Objective:
Establish a shared project foundation by aligning business goals, scope, timeline, and architecture.
- Collecting requirements, evaluating your project, and estimating the development timeline.
- Exploring your business case and defining software architecture.
- Creating a comprehensive project roadmap.
Validation and MVP Build
Objective:
Validate the most critical assumptions early with a prototype, MVP, or PoC, ensuring you invest only in what works and delivers value quickly.
- Building prototypes for in-app user flow and interaction.
- Creating UI designs centered around user experience.
- Developing a PoC and/or MVP to assess the feasibility of your idea.
Software development
Objective:
Build the core processing and API layer. Implement provider integrations and internal connectors.
- Building back-end systems and front-end interfaces.
- Providing essential API gateways and data encryption features.
- Conducting project analysis and code reviews.
Quality assurance
Objective:
Verify the full transaction lifecycle in testing. Validate security and controls with continuous security checks and automated penetration testing in the CI CD pipeline, aligned with PCI DSS 4.0 and PCI SSF expectations.
- Creating comprehensive test plans and implementing them.
- Identifying and documenting defects and promptly resolving them.
- Conducting user acceptance testing and ensuring compliance with industry standards.
Launch and support
Objective:
Go live with monitoring and operational readiness. Stabilize performance and iterate on improvements.
- Coordinating the software launch.
- Continuously monitoring system performance.
- Providing dedicated maintenance and updates.
The individuals we work with aren't just contractors, they are an important part of our strategic Team and we enjoy working with them every day!
President/CEO, CPG Data
Emerline has been the best development partner we’ve ever worked with!
CEO, Praxie
We recommend Emerline as a trusted technology partner for developing telemedicine solutions and would choose to work with Emerline again regarding new projects.
Founder, Hello Ralphie
Emerline provided us with the scaling we needed to grow our development capabilities from early-stage POC to now a globally deployed platform in the HR Teach space.
CEO, Espresa
We highly recommend Emerline as a technology partner for large and complicated development projects that also delivers continuous cooperation with the provider on new projects.
VP Global IT, FUCHS Group
Emerline helped us build an MVP into a full-fledged production platform — in 14 months
Founder and CEO, SquareDash
Throughout our cooperation with Emerline, they proved themselves reliable technology partners.
IT Director
Emerline exceeded expectations with organized, forward-thinking, and committed teamwork. We’re proud of what we built together!
President & CEO, Miami-Dade Beacon Council
The team gladly brought their expertise and delivered us a perfect solution to meet our customers’ business needs.
Founder & CEO, Kontango
We recommend Emerline as a reliable and skilled tech partner
FastFormulator Key Partner and Project Leader
They consistently delivered items on time, highlighting their commitment to timeliness and organization.
CEO, Founder of Tribela GmbH
The level of skill and quality of the developers is outstanding!
Director, RedWrasse Ltd.
It was noteworthy to highlight the friendly and customer-oriented processes used for product development.
CEO & Founder, Visible
My experience with Emerline has been great. I highly recommend them to anyone looking for a reliable partner who delivers on time and on budget.
CEO, Echospectra
Emerline has enhanced our software to become an indispensable tool for all our staff.
Business Director, 3QC, Inc.