Meridianstacks builds fintech and payments products for UK companies — open banking, wallets, lending, BNPL and trading — from your matched hub, Lagos (UTC+1), a 0–1 hour offset, so our engineers share your full working day. Our engineers have shipped high-volume payment systems, design KYC/AML and audit trails into the build, and deliver FCA-aware (not legal advice) work at typically 40–70% below a London fintech agency, with all code and IP owned by you under UK law.
A fintech app development company builds regulated financial products — payments, wallets, lending, open banking and trading — with security, compliance and reconciliation built in from day one. Meridianstacks does this for UK firms with senior engineers who have real high-volume payments experience and work the UK business day, so incident response and compliance reviews happen in real time. We build FCA-aware (KYC/AML checks, audit trails, SCA), sign a UK-GDPR DPA with IDTA, and quote a fixed price in pounds at 40–70% below local agencies. We are engineers, not regulatory advisers.
PSD2 account information and payment initiation through TrueLayer, Plaid, Tink or Yapily — consent flows, account aggregation and pay-by-bank.
Card and account-to-account rails, e-money wallets, top-ups and payouts with idempotent handling, webhook reconciliation and double-entry ledgers.
Identity, document and biometric checks, sanctions and PEP screening, and transaction monitoring with full audit trails for reporting.
Application, decisioning and servicing flows, repayment schedules, affordability data and BNPL split-pay built for accurate accounting.
Order entry, portfolio and market-data UIs, custody and brokerage integrations, and real-time balances built for high throughput.
Vetted senior developers with payments experience embedded in your team and standups on a simple monthly retainer.
In fintech the cost of a slow handoff is higher than anywhere else — a payment incident, a failed reconciliation or a compliance question can't wait twelve hours for a reply. UK firms hesitate over offshore fintech development because of that gap, patchy English in audit documentation, and not knowing who is touching their money flows. Meridianstacks removes all three: engineers in your timezone, native-level English, and senior engineers you video-call before you commit.
| Option | UK overlap | Payments depth | Cost vs UK agency |
|---|---|---|---|
| Meridianstacks | Near-full (0–1h) | High-volume | 40–70% less |
| UK fintech agency | Full | High | Baseline (£50–130/hr) |
| India offshore | Partial (~4–5h) | Varies | Lowest, but async |
| In-house hire | Full | Hard to source | Highest + slow to hire |
| Build | Typical UK agency | Meridianstacks |
|---|---|---|
| Compliance-light fintech MVP (Focused tier) | £35,000–£80,000 | ~£20,000–£35,000 |
| Payments / wallet platform (Standard tier) | £60,000–£130,000 | ~£30,000–£60,000 |
| Regulated multi-rail platform (Full tier) | £80,000–£200,000+ | ~£45,000–£90,000 |
| Dedicated fintech developer (monthly) | £8,000–£16,000 | ~£2,500–£5,000 |
Prices published from our Open Price Book (v1.0 · July 2026 · next review October 2026). All prices exclude VAT.
Indicative ranges; regulated builds include compliance and security work and are quoted as a fixed price in pounds before work begins.
Book a free 30-minute scoping call with a senior fintech engineer — in UK hours. Honest answer on fit, compliance scope, timeline and cost.
Book a free scoping call →