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Industry Focus

FinTech & Payments
Infrastructure That Scales

Card issuance, payment gateways, earned wage access, and embedded finance — we build financial software with security, auditability, and regulatory compliance baked into the architecture from day one.

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What We Build

FinTech capabilities we ship

Card Issuance Platforms
API-driven virtual and physical card issuance infrastructure for fintechs and embedded finance products.
Payment Gateways
White-label and custom payment processing with multi-currency support, routing logic, and fraud tools.
Earned Wage Access
On-demand pay platforms integrated with payroll systems for hourly and frontline workers.
Lending Platforms
Loan origination, underwriting workflows, repayment scheduling, and borrower portals.
Financial Dashboards
Real-time treasury, cash flow, and financial analytics dashboards with data from multiple sources.
Compliance Infrastructure
KYC/AML workflows, audit logging, regulatory reporting, and PCI-DSS compliant architectures.
Portfolio

FinTech work we've shipped

Apto Payments
FinTech & Payments
Built a card issuance API platform that scaled to 50+ fintech clients
Apto Payments needed a robust developer-facing API platform and internal operations dashboard to support fintechs issuing physical and virtual cards at scale. Techdots architected and delivered the core platform infrastructure, card program management tooling, and compliance workflows that became the backbone of Apto's product.
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Wellpay
FinTech & Payments
Built earned wage access and financial wellness platform for healthcare workers
Techdots designed and developed Wellpay's core payroll and earned wage access platform, enabling healthcare employers to offer on-demand pay and financial tools to their workforce. The engagement covered everything from compliance architecture to employer-facing dashboards and worker-facing mobile flows.
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PayFrame
FinTech & Payments
Built white-label payment infrastructure that powers 40+ SaaS platforms
Techdots designed and engineered PayFrame's core embedded payments platform from the ground up, enabling SaaS companies to offer branded payment processing without handling PCI compliance themselves. The platform handles multi-tenant merchant onboarding, revenue share splits, and real-time settlement across all connected platforms.
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Building a fintech product?

We've shipped card issuance, payment rails, and compliance-heavy financial software. Let's talk about your architecture.

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