Security threats
Financial platforms are prime targets and need defence in depth.
Finance & Banking industry
Secure software for finance, banking and insurance
Fintech apps, lending and insurance platforms and payment integrations built with security, accuracy and compliance in mind.
- Since 2014
- Full code & IP ownership
- NDA on request
•••• •••• •••• 4821
Card holderA. KAPOOR
Transactionstoday
- Salary credit+₹82,000
- Rent · UPI−₹25,000
- SIP · Mutual fund−₹10,000
Loan applicationLN-7742
KYC
Credit check
Approval
2FA verifiedDevice bound
Overview
Trust is the product
Financial software must be accurate to the last decimal, secure against attack and fully auditable. At the same time, customers expect the speed and simplicity of the best consumer apps.
We build web and mobile platforms for financial services, lending, insurance and accounting — with strong authentication, encrypted data, maker-checker workflows and clear audit trails, wrapped in interfaces customers enjoy using.
Finance & Banking at a glance
- Lending platformsLoan origination, eligibility rules, document collection, approvals, EMI schedules and…
- Insurance portalsQuotes, policy issuance, renewals, claims workflows and agent management.
- Payment integrationsPayment gateways, UPI, payouts, wallets, refunds and reconciliation.
- Customer onboarding & KYCDigital onboarding with document upload, e-KYC and verification APIs.
The challenge
Problems we solve
Common obstacles we help finance & banking businesses overcome.
Manual processes
Loan, claim and onboarding workflows still rely on paper and email.
Integration complexity
Payment gateways, banks, credit bureaus and KYC providers all need to connect.
Auditability
Every transaction and change must be traceable.
Solutions
Solutions we build
Fast for customers, secure for everyone
Lending platforms
Loan origination, eligibility rules, document collection, approvals, EMI schedules and collections.
Insurance portals
Quotes, policy issuance, renewals, claims workflows and agent management.
Payment integrations
Payment gateways, UPI, payouts, wallets, refunds and reconciliation.
Customer onboarding & KYC
Digital onboarding with document upload, e-KYC and verification APIs.
Investment & wealth dashboards
Portfolio tracking, reports and secure client portals.
Accounting & invoicing tools
Invoicing, expenses, GST reports and integration with accounting software.
Capabilities
Key capabilities
Engineering depth that keeps your product fast, secure and easy to evolve.
- Two-factor authentication and device binding
- Encryption in transit and at rest
- Maker-checker approval workflows
- Immutable audit trails for transactions and changes
- Precise decimal handling and rounding rules
- Payment gateway, UPI and payout integrations
- Automated reconciliation and settlement reports
- KYC, credit bureau and bank-statement API integrations
- Configurable business rules and eligibility engines
- Role-based dashboards for operations and management
- Rate limiting, fraud flags and suspicious-activity alerts
- Security testing before every major release
Our approach
How we think about every project
Strategy first
We start with your business goals, users and constraints, and turn them into a clear scope, architecture and roadmap before writing code.
Solid engineering
Clean architecture, code reviews, automated tests and secure coding practices keep your product fast, stable and easy to extend.
Predictable delivery
Short sprints, regular demos and transparent communication mean you always know what is done, what is next and what it costs.
Technology
The stack we use
Proven, well-supported technologies chosen for your requirements.
- Laravel
- Node.js
- REST APIs
- Queues
- React
- Vue.js
- Kotlin
- Swift
- Razorpay
- Stripe
- PayU
- Cashfree
- UPI
- PostgreSQL / MySQL
- Redis
- AWS KMS
- OWASP testing
How we work
A clear process from idea to launch
- STEP
Requirements & compliance
Business rules, regulatory considerations and integrations are documented.
- STEP
Architecture
Security model, data design and integration plan.
- STEP
Build
Sprint-based development with security reviews.
- STEP
Testing
Functional, calculation, integration and security testing.
- STEP
Launch
Staged rollout with monitoring.
- STEP
Operate
Maintenance, monitoring and continuous improvement.
We interviewed shops in many countries, and finally we got some professional help in making a decision. We decided to go ahead with Webcarving in India. It is really the best decision we have made so far for the business.
Mike BozorgiCTO, OrcaParts
FAQ
Questions, answered
Can’t find what you are looking for? Contact us — we are happy to help.
How do you secure financial applications?
With strong authentication, encryption, least-privilege access, audit logs, secure coding against the OWASP Top 10 and security testing before releases.
Which payment gateways can you integrate?
Razorpay, Stripe, PayU, Cashfree, CCAvenue, PayPal and most gateways with an API, including UPI and payouts.
Can you integrate KYC and credit bureau APIs?
Yes. We integrate e-KYC, document verification, bank-statement analysis and credit bureau services through their APIs.
Do you handle regulatory compliance?
We design systems to support your compliance requirements and work with your compliance team or advisors to implement them correctly.
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Learn moreHave an idea? Let’s build it together.
Tell us about your project and get a free consultation with a clear plan, timeline and estimate.