Payments & Lending · Pre-seed to Seed
Scalable Backend Architecture for Payments & Lending Startups
We design wallet systems, payment orchestration engines, transaction pipelines, and lending workflows that are secure today and scalable tomorrow.
Launching Fintech Is Hard. Backend Mistakes Are Expensive.
Early-stage founders often discover these issues too late.
- Rebuilding backend in 6 months
- Broken payment flows under load
- Double-spend & race condition issues
- Compliance gaps during fundraising
- No clear settlement logic
Fintech MVP Backend Blueprint
A structured engagement for pre-seed and seed-stage Payments & Lending startups. Clear deliverables, transparent pricing.
- Wallet & double-entry ledger architecture
- Payment gateway integration plan
- Webhook reliability strategy
- Idempotent transaction model
- Settlement & reconciliation design
- Lending workflow engine (if applicable)
- Infrastructure & scaling roadmap
- Compliance-ready logging approach
Pricing
Starter Blueprint
$2,500+
Architecture review, system design doc, and integration roadmap.
MVP Backend Build
$8,000+
End-to-end blueprint plus implementation guidance for your team.
Architecture Advisory
Monthly retainer
Ongoing architecture support and technical due diligence readiness.
Exact scope and price depend on your stack and timeline. Book a call to discuss.
Payment Infrastructure We Design
- Multi-Gateway Orchestration Layer
- Idempotent Transaction APIs
- Webhook Event Processing
- Double-Entry Ledger Systems
- Settlement & Reconciliation Engines
- Fraud Guardrails & Risk Events
Client → API → Payment Gateway → Webhook → Ledger → Settlement
Lending Workflow Architecture
- Loan Application Processing
- Credit Decision Engine Integration
- Event-Based Risk Scoring
- Disbursement & Repayment Tracking
- Loan Lifecycle Management
Application → Decision → Disbursement → Repayment → Reporting
Built for Technical Due Diligence
Architecture that gives you and your investors confidence during fundraising. No last-minute rework when diligence starts.
- Clean separation of services
- Event-driven architecture
- Scalable data layer
- Immutable audit trail
- Cloud-native infrastructure
- Designed for SOC2 / PCI readiness
How We Work
Discovery & Architecture Review
Understand your product, compliance needs, and scale targets. We map constraints before design.
System Blueprint & Diagrams
Produce architecture docs, data models, and integration contracts. Your team can own the build.
Backend Build & Integration
Hands-on implementation support: code reviews, schema design, gateway integration patterns.
Launch & Scaling Support
Go-live support and post-launch optimization. We stay until the system is production-ready.
Technology Stack
We design around proven, production-grade technologies. Language and framework agnostic where it matters.
Backend Architect
Specializing in high-throughput fintech transaction systems, wallet infrastructure, and event-driven payment platforms.
- — Systems built for payments and lending from pre-seed to scale
- — Payment gateway and banking integrations across US, Canada, UK
- — Architecture philosophy: audit-ready, idempotent, and scalable by design
Engineering notes
System design insights and backend patterns for payments and lending.