Pricing / By Techrays Labs / Published 12 May 2026
How much does it cost to build a fintech app?
What a fintech app costs at a fixed price, why payments, KYC and audit trails move the number, and how our Product Build tier applies.
A fintech product usually needs more than an MVP Sprint. Our Product Build starts from $12k and runs 8 to 14 weeks. It includes payments, KYC or ledger modules, an admin portal with analytics, a security review and user acceptance testing. A narrow first release can start from $6k as an MVP Sprint. Your fixed price is set after a scoping call.
What does a fintech app cost, tier by tier?
| Tier | Starts from | Typical duration | Fit for |
|---|---|---|---|
| MVP Sprint | $6k | 4 to 6 weeks | One narrow journey with one core integration |
| Product Build | $12k | 8 to 14 weeks | Payments, KYC or ledger modules, admin portal, security review |
Details are on the pricing page.
What makes a fintech app cost more?
- Payments. Card and bank payments run through your regulated provider, and each rail adds integration and testing.
- KYC and AML. Identity checks, screening and review queues are workflows, not just API calls.
- Ledgers. Balances, reconciliation and statements need double-entry records that can be audited.
- Audit and access control. Every sensitive action is logged, and roles limit who sees what.
- Security review. Fintech buyers and partners ask for evidence early.
What do we build, and what do we not claim?
We build the software on fintech experience with payments, invoicing and lending products. We design with PCI-DSS, GDPR and PSD2 requirements in mind. We are not a licensed financial institution, and your compliance team stays responsible for the regulatory position of your product.
What is not included?
Our fee covers design, engineering, testing and launch. Payment provider fees, KYC provider fees, hosting and licences are billed by those providers to accounts in your name.
How do you get an exact number?
Book a free 30-minute scoping call. Within 24 hours you receive a scoped, fixed-price proposal with a delivery date. Get a fixed quote.
FAQ
Can a fintech app start as an MVP?
Yes. Many teams ship one journey first, such as onboarding plus one payment flow, then add modules in later phases.
Do you handle regulatory approval?
No. We build the software and its controls. Licences and approvals are your responsibility, and we do not claim them on your behalf.
Will we own the code?
Yes. Code, IP and cloud accounts are yours from day one.
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