AI Software Development & Custom AI Solutions for Businesses

Custom Payment App Development Company

As a leading payment app development company, Citrusbug Technolabs provides high-performing, secure, and regulatory mobile payment applications, which empower startups and enterprises to streamline online transactions and grow confidently in the dynamic fintech environment.

Trusted App Development Company By
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Certified Payment App Developers By

Our Custom Payment App Development Services

Mobile Banking Software Development

Develop safe and easy mobile banking applications enabling customers to operate accounts, transfer money and monitor transactions in real-time. We follow international banking and data protection regulations.

Money Transfer App Development

Create high-performance money transfer applications that have instant transactions, multi-currency, and transparent processing. Our solutions are designed for speed, scalability, and user trust.

Payment Gateway Software Development

Design strong payment gateway systems that can easily connect with eCommerce solutions and third-party APIs. We guarantee the compliance of PCI-DSS, end-to-end encryption, and the flow of transactions through all channels.

Online Payment Transfer App Development

Make global and domestic payments easier with applications that allow quick and safe online payments. Our developers concentrate on usability, fraud prevention, and integration with banks and digital wallets.

Fintech App Development

Leverage our fintech development knowledge to create high-end applications with AI, analytics, and automation. We enable businesses to make more informed, data-driven decisions, whether it be financial dashboards or payment analytics tools.

Digital Wallet App Development

Introduce secure digital wallets with a variety of payment options, QR-based payment, and loyalty programs. We make sure that every wallet application offers a smooth and safe payment process to all users.

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Arrange a Call with Expert Payment App Developers

Do you need an expert opinion or advice for your Payment App Development in India & the USA?

Get in touch with our skilled payment app developers to get professional advice and an app solution that fits your business objectives perfectly.

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Core Features of Our Payment Apps

The development of our payment apps is based on security, speed, and scalability. All features are designed in such a way that they help in facilitating seamless digital transactions, user confidence, and worldwide standards.

  • Secure Authentication

    Advanced authentication features such as biometrics, OTPs, and two-factor authentication protect each user session and avoid unauthorized access.

  • Real-Time Payments

    Transfer money immediately with minimum delays, and offer your users a quick and dependable payment experience.

  • PCI-DSS Compliance & Encryption

    We use the best data security standards and encryption policy to ensure that all transactions remain entirely compliant and safe.

  • AI-Powered Fraud Detection

    Embedded AI-based safety measures can identify and block suspicious transactions, providing an additional protective step to your platform.

  • Multi-Currency & Cross-Border Support

    Make transactions globally easier by allowing instant payments in various currencies with real-time exchange rates.

  • Admin Dashboard & Analytics

    Get real-time access to user activity, transactions, and performance metrics with an easy-to-use administration panel.

I Need Free Consultation

We’re an AI-powered Payment App Development Company

The modern business requires more than the simplest payment solutions. They require intelligent, secure, and scalable systems that are efficient in terms of transactions and guard against fraud. Our AI-powered approach makes every payment faster, safer, and more personalized for users.

We are an established payment app development firm that integrates AI innovation with fintech experience. We specialize in creating secure, compliant, and high-performing payment apps that create real business value.

Whether it is peer-to-peer payments or mobile wallets, our payment app development solutions help you to enable an experience of smooth transactions, smart analytics, and future-proofed financial experiences for your customers.

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Industries Benefiting from Our Payment App Development Expertise

01

Fintech and Banking

We develop safe and regulatory payment applications for banks, fintech start-ups, and financial institutions to digitalize the transactions and improve customer trust.

02

Retail and eCommerce

Our payment application development solutions assist retailers and online stores in providing their customers with easy checkout experiences and accepting various payment types.

03

Travel and On-demand Services

We create payment apps that allow quick, trustworthy, and cashless payments to book flights, ride with others, order food, and use other on-demand services.

How Much Does it Cost to Develop a Payment App?

The price to create a payment app is usually between $25,000 to make a simple application and may reach up to $200,000 or more to make an enterprise-level app.

Prices may vary depending on such features as AI integrations, cross-border payment support, and compliance. Fill out your requirements to get an accurate cost estimation of your project!



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    Compliance and Security Standards We Follow

    At Citrusbug Technolabs, we focus on compliance and data protection at each phase of payment app development. Our solutions comply with global financial and privacy policies to give users confidence and safe online transactions.

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    PCI-DSS Compliance

    We strictly follow Payment Card Industry Data Security Standards to provide secure card transactions and secure sensitive financial information.

    GDPR Compliance

    Our applications are all in line with the General Data Protection Regulation and provide transparency, user consent, and privacy in all digital interactions.

    KYC and AML Integration

    We introduce Know Your Customer (KYC) and Anti-Money Laundering (AML) to assist you in fulfilling the regulatory requirements and to avoid fraud.

    Data Encryption and Access Control

    All transactions are encrypted using advanced encryption protocols and role-based access control to ensure confidentiality and avoid unauthorized access.

    Audit-Ready Architecture

    Our systems are built to be easily auditable, enabling smooth compliance checks and adherence to financial regulations in different regions.

    Process We Follow for Payment App Development

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    Discover

    We start by knowing your payment objectives, target market, and regulatory requirements. Our comprehensive research and planning provide a concise roadmap for developing a secure and scalable payment app that meets your business requirements.

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    Design

    Our team creates user-friendly and intuitive interfaces, which make financial transactions easier. All the elements are engineered to give your users a hassle-free, user-friendly, and effortless payment experience.

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    Build

    We apply modern technologies, safe APIs, and compliant architecture to create fast, reliable, and scalable payment applications. AI and automation are involved where necessary to improve performance and security.

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    Deliver

    Your payment app undergoes security, performance, and compliance testing before deployment. Our iterative delivery method guarantees a stable and high-quality solution that best fits your business aims.

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    Why Choose Citrusbug Technolabs as Your Payment App Development Agency?

    Our payment app development services are rated 4.7 on Clutch with 30+ client reviews, and we’re a top-rated plus agency on Upwork. We proudly maintain a 97% job success rate and have successfully delivered 500+ projects, showcasing our commitment to quality, reliability, and client satisfaction.

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    Transparency and Integrity

    We value your trust and safeguard your business ideas with full transparency. Each payment app that we develop is supported by stringent NDAs to protect your intellectual property and sensitive information.

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    On-Time Delivery

    We have a well-organized development process that makes us meet all the milestones within the scheduled time. We deliver your payment app on time without compromising quality or compliance.

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    Cost-Efficient Solutions

    Our payment app development services are of high quality and at competitive prices. We are committed to making the most of your resources and technology to provide you with the best possible value within your budget.

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    Deep Technical Expertise

    We have a broad experience in fintech and mobile app development and can create secure, scalable, and high-performing payment apps that can meet industry needs.

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    Quality Assurance and Testing

    All payment apps are thoroughly tested to make sure that they do not contain any bugs, security issues, or performance problems. We promise an error-free, stable application that is fit to use in the real world.

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    24/7 Support and Assistance

    We have a 24/7 support team to respond to your queries and technical issues. You can reach us through chat, email or call at any time to get our immediate attention.

    Client Testimonials (We're Rated 4.7 on Clutch)

    Project

    Citrisbug Technolabs developed a native mobile app, working with an existing backend structure to implement the API and construct the frontend. They continue to maintain this app for their client.

    client Image
    Rui W (Rae) icon

    Co-Founder

    Review

    I appreciate them being committed to responding to our problems whenever we call upon them.

    • icon
    • icon
    Project

    Citrisbug Technolabs developed a native mobile app, working with an existing backend structure to implement the API and construct the frontend. They continue to maintain this app for their client.

    client Image
    Rui W (Rae) icon

    Co-Founder

    Review

    I appreciate them being committed to responding to our problems whenever we call upon them.

    • icon
    • icon
    Project

    Citrisbug Technolabs developed a native mobile app, working with an existing backend structure to implement the API and construct the frontend. They continue to maintain this app for their client.

    client Image
    Rui W (Rae) icon

    Co-Founder

    Review

    I appreciate them being committed to responding to our problems whenever we call upon them.

    • icon
    • icon
    Project

    Citrisbug Technolabs developed a native mobile app, working with an existing backend structure to implement the API and construct the frontend. They continue to maintain this app for their client.

    client Image
    Rui W (Rae) icon

    Co-Founder

    Review

    I appreciate them being committed to responding to our problems whenever we call upon them.

    • icon
    • icon

    Some Top Fintech Software We Developed

    Profit Frog

    Profit Frog is a budgeting and forecasting software tailored for small businesses, aiming to alleviate uncertainty and empower informed decision-making. By enabling users to model future profitability and analyze various scenarios, Profit Frog facilitates the creation of dynamic business plans that adapt to changing conditions. With a focus on simplicity, clarity, and actionability, Profit Frog transforms the complex task of financial forecasting into an intuitive and accessible process.

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    Clover Mortgage Brokers offers tailored mortgage solutions for home buyers across Toronto, the GTA, and Ontario. As brokers, they provide personalized guidance, considering customer's specific financial circumstances. As a platform, they strive to match each customer with lending solutions that perfectly align with their individual needs.

    Learn more icon
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    Otter-finance

    Otter, a European fintech solution, lets users leverage their assets for liquidity without selling them. With user management, dashboards, investment tools, and product management, Otter simplifies finance. Manage profiles, documents, KYC, and settings effortlessly. Support for multiple languages and newsletters keeps users informed and connected.

    Learn more icon
    Otter-finance
    Padelmates

    PadelMates is a comprehensive sports booking app catering to racket sport enthusiasts worldwide. Designed to streamline the booking process, it offers users the convenience of booking courts, matches, training sessions, and tournaments at their preferred venues effortlessly. Whether it's padel, tennis, badminton, pickleball, or squash, PadelMates provides a seamless platform to connect venues and players, ensuring maximum playing time and enjoyment.

    Learn more icon
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    FAQs on Payment App Development

    The process of creating a payment tool requires a well-defined roadmap that encompasses the planning process, the user interface/user experience design, the back-end software development, the integration of a payment gateway, and compliance configuration. At Citrusbug Technolabs, our team does all the research and design, development, testing and deployment to make sure that your application is secure and scalable.

    Absolutely. We create tailor-made P2P payment applications, online wallets, and merchant-oriented payment systems that suit the requirements of start-ups, businesses, and financial institutions.

    We develop safe and scalable iOS, Android, and web payment applications that provide a consistent experience and design on all platforms.

    The requirements of US financial acts dictate compliance with standards like PCI-DSS, KYC, and AML. We apply these frameworks and encryption, data privacy controls, and audit-ready architecture to comply with US and international financial compliance requirements.

    We use AI to enhance the speed, security and usability of payment apps. The examples of the areas in which AI can be helpful are fraud detection, chatbots to help with customer support, and recognition of spending patterns to make decisions wiser.

    The development timeline is determined by the complexity and features of the app. It takes an average of 3 to 6 months to design, develop, test, and launch a payment app.

    Yes. We can directly connect your payment application with the current banking systems, CRM, eCommerce or mobile applications through secure APIs. Our team guarantees trustworthy, adhering, and consistent payment experiences on each platform.

    We use reliable and scalable technologies, including React Native, Node.js, Python, and AWS and PCI-compliant APIs.

    Key elements are the authentication of users, real-time transfers, transaction history, notifications, and support of multiple currencies. We also introduce AI-based fraud detection and analytics to perform better.

    Yes, we create both fully custom and white-label payment applications, which enable businesses to launch fast, without compromising brand image and security levels.

    A custom payment app is more secure, quicker, and has complete control of functions and branding. It also assists in enhancing user trust, lowering charges and also scales easily as your business expands.

    Find a company that has established fintech experience, strong security practices, and compliance knowledge. Check client reviews, previous projects, and technical capability to make sure they can create secure, scalable, and regulation-ready payment apps.

    Still have a question?