AI Software Development & Custom AI Solutions for Businesses

AI-Driven eWallet App Development Company

We are a custom eWallet app development company building secure, scalable, and feature-rich digital wallets for businesses of all sizes. From user experience to compliance, we engineer payment solutions that support fast growth and reliable digital transactions.

Trusted Software Development Company By

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Certified eWallet App Developers By

Our Custom eWallet App Development Services

Payment App Development Company

We create safe and convenient payment apps that facilitate quick check-outs, seamless payments, and different currencies. All these are created to run on mobile and web platforms.

Mobile Banking Software Development

Mobile banking apps with simple navigation, safe login, account access, and quick money transfers. The goal is to help your users manage their banking tasks easily and securely.

Money Transfer App Development

Money transfer applications are used to make easy and secure P2P payments and international remittances. It has automated KYC, multi-currency wallets, and rapid processing with complete security.

Fintech App Development

Custom fintech solutions to make payments, lend, save, and manage money. Every product is designed to be scalable, secure and easy to navigate by users.

Payment Gateway Software Development

A secure payment gateway built with fraud checks, tokenization, and smooth routing. Designed to make every transaction safe, stable, and trusted by your users.

Online Payment Transfer App Development

Online payment applications that are easy to use to facilitate P2P transfers, QR payments, and bill payments. Designed with high security and a back-end that can scale to the size of your user base.

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Arrange a Call with an Expert eWallet App Developer

Looking for the best eWallet app development companies in India and the USA?

Connect with our experienced developers to discuss your requirements and explore a custom eWallet solution tailored to your business goals.

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We’re an AI-powered eWallet App Development Company

As an AI-powered eWallet app development company, we build secure, fast, and user-friendly digital payment products that match the way modern users move money. Every solution is designed with intelligent automation, smooth interactions, and multi-layer security.

Our team at Citrusbug Technolabs focuses on a combination of AI, data-driven decisioning, and robust engineering practices and develops eWallets that can be scaled with ease. From P2P transfers and QR payments to compliance-ready backend systems, each component is built to perform reliably in real-world financial environments.

Whether you need a mobile wallet, a cross-platform digital payment system, or a bespoke fintech solution, we assist you in launching a product that is secure, flexible, and eager to provide a seamless payment experience.

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Key Features of a Custom eWallet App

01

User Registration and Secure Login

Simple onboarding via phone, email or biometrics. Strong authentication means that only authorized users can access the wallet, which is a smooth and safe beginning to all transactions.

02

P2P Money Transfers

Real-time P2P transfers that have a user-friendly interface and transparent monitoring. Users can send or receive funds quickly, making everyday transactions simple and reliable.

03

QR Code Payments

Scan-and-pay feature that facilitates quick in-store and peer payments. One of the easiest methods that allow users to perform transactions without providing card and account information.

04

Bill Payments and Recharges

A single place to pay utility bills, subscriptions, and mobile recharges. This helps users save time and manage routine payments without switching between multiple apps.

05

Multi-Layer Security

Encryption, MFA, fraud checks, and tokenization protect every transaction. These measures reduce risk and keep sensitive financial data safe at all times.

06

Transaction History and Insights

Detailed transaction lists with filters and summaries. Users are able to see their spending habits clearly, which simplifies tracking payments and managing finances.

How Much Does It Cost to Develop an eWallet App?

The price to build an eWallet application is usually between $25,000 and $250,000+, based on functionality, security requirements, integrations and complexity of the entire platform.

Share your requirements with us to receive an accurate, customized cost estimate for your eWallet project.



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    Compliance & Certifications of Digital Wallet Apps We Develop

    Your eWallet should meet international financial and data security requirements. We build every solution with strict compliance and certified practices to ensure safe, seamless transactions.

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    PCI DSS Compliance

    Our eWallets comply with the PCI DSS requirements to ensure the security of the sensitive data of the cardholders. This involves secure payment processing, encryption, and tokenization, as well as rigid access controls to minimize risks in all transactions.

    KYC & AML Compliance

    Inbuilt KYC and AML processes ensure user verification, tracking transactions, and detecting other suspicious practices. These checks facilitate safer onboarding and enhance general fraud prevention in the financial operations.

    GDPR Compliance

    Data privacy is handled with great care through GDPR-aligned practices. The information about users is obtained, saved, and treated in a transparent manner, and the privacy expectations of the users around the globe are upheld.

    SOC 2 Standards

    The systems are built to comply with the SOC 2 requirements regarding security, availability, and confidentiality. These controls are to aid in maintaining your eWallet platform to be trustworthy, reliable, and capable of a formal audit.

    PSD2 Compliance

    The PSD2 support allows enabling open banking integrations with security, robust authentication of customers, and access by third parties. This guarantees the seamless expansion into European markets with a high level of security.

    EMVCo Standards

    Our eWallets are compliant with EMVCo safety standards of chip-based and non-contact payments. This guarantees uniformity in performance, safe card transactions, and the ability to integrate with international payment systems.

    ISO/IEC 27001 Practices

    The management of information security is carried out through the ISO 27001 principles. These encompass restricted entry, data safety, and orderly protection of delicate financial and personal information.

    Strong Customer Authentication (SCA)

    Multi-factor authentication is implemented for the login and transaction flows. Biometrics, OTPs, and device verification add an additional protection without negatively affecting user experience.

    Different Types of eWallet Apps We Develop

    We build a wide range of eWallet apps tailored for diverse use cases and user needs. From simple payment wallets to advanced multi-functional solutions, each app is designed for security, scalability, and smooth digital transactions.

    • Closed Wallets

      Built for brands that want to manage payments within their own ecosystem. Best suited to refunds, in-app purchases, and loyalty awards, with a perfect command over transactions.

    • Semi-Closed Wallets

      Designed for businesses that want users to pay across selected stores or partners. Ensures safe payments, simplified onboarding, and customized integrations with merchants and service providers.

    • Open Wallets

      Wallets that allow users to withdraw money, transfer funds, and make payments anywhere. Suitable for banks and financial institutions looking to offer a full digital payment experience.

    • Peer-to-Peer Payment Wallets

      Streamlined to make immediate P2P transfers with phone numbers, contacts, or QR codes. Ideal for day-to-day payment, splitting bills, or sending money to friends and family.

    • Crypto Wallet Apps

      Secure crypto wallets supporting multiple digital assets, private key protection, and fast transactions. Ideal for businesses entering the blockchain space with a safe and compliant solution.

    • NFC & Contactless Payment Wallets

      Wallets are designed to make fast tap-and-pay applications based on either NFC or contact-free technology. Made to have quicker checkouts and easy retail purchases without the disclosure of card details.

    Process We Follow for eWallet App Development

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    Discover

    The journey begins with understanding your digital payment goals. We analyze user flows, compliance requirements, and security expectations in order to establish a clear path to the development of a trusted and future-ready eWallet app.

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    Design

    Our team transforms your requirements into intuitive and secure eWallet interfaces. Every screen is crafted to make transactions effortless, enhance user trust, and deliver a smooth payment experience across devices.

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    Build

    Our team converts your needs into easy-to-use and safe eWallets. Each screen is designed in such a way that it makes transactions easy, increases user confidence, and provides a painless payment experience regardless of the device used.

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    Deliver

    Your eWallet app is released with rigorous testing, quality checks, and iterative improvements. We ensure a stable launch and remain committed to continuous refinement as your platform scales.

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    Why Choose Citrusbug Technolabs as Your eWallet App Development Agency?

    Our ewallet 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 & Integrity

    Your eWallet idea is always protected with strict NDAs and a fully transparent workflow. Communication remains transparent throughout all the stages and thus you are always aware of how the project is progressing.

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    On-Time Delivery

    Our development team works in a structured schedule and milestone process. This assists us in delivering your eWallet application within the required time and of high quality and security.

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    Cost-Efficient

    We focus on building secure and scalable eWallet solutions at competitive pricing. Every feature is planned carefully to ensure long-term value without unnecessarily increasing development costs.

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    Deep Technical Knowledge

    Our developers have a strong understanding of the technical and regulatory requirements of eWallet platforms with significant experience in fintech and digital payments. This aids us in developing solutions that work effectively in actual applications.

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    QA and Testing

    Each eWallet app goes through detailed testing. To make sure that the final product is ready to be launched, our QA team verifies functionality, security levels, speed, and user experience.

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    24×7 Availability

    Our support team can be contacted 24 hours a day via email, chat or phone. You can always contact us for updates, questions, or to help in your further development.

    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.

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    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

    CICADA

    Cicada is a trading platform designed for individuals and organizations to trade securities such as stocks, bonds,futures, and options. It provides users with a user-friendly interface that is easy to navigate, even for beginners. It is a comprehensive trading platform that offers a range of features and tools to help traders of all levels make informed investment decisions easily and interactively.

    Learn more icon
    CICADA
    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.

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    Otter-finance
    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.

    Learn more icon
    Profit Frog
    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
    Padelmates
    VIEW ALL
    CICADA CICADA
    Otter-finance Otter-finance
    Profit Frog Profit Frog
    Padelmates Padelmates
    VIEW ALL

    Our Blogs on eWallet App Development

    Digital Wallet App Development: Features, Security, and Cost Insights
    Digital Wallet App Development: Features, Security, and Cost Insights
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    7 Best Payment Gateway Software Development Companies
    7 Best Payment Gateway Software Development Companies
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    How Much Does It Cost to Build a Fintech App? A 2025 Guide
    How Much Does It Cost to Build a Fintech App? A 2025 Guide
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    FAQs on eWallet App Development

    The development of eWallet or digital wallet apps refers to creating a secure mobile app that enables users to store money in a digital format, make payments, transfer funds, work with cards, and fulfill transactions without real money.

    Prices of an eWallet application development typically cost between $25,000 and $200,000 or more, based on functionality, user interface complexity, security measures, and third-party connectivity. Share your requirements for an accurate estimate.

    A basic ewallet application requires 3 to 4 months and a full-fledged one with advanced security, analytics, and multi-currency features requires 6 to 10 months to develop.

    A modern eWallet must have features of digital payments, scanning QR codes, peer-to-peer transfers, bill payments, card storage, transaction history, biometric login, push notices, and protection against fraud. At Citrusbug, we develop your digital wallet application according to the necessary and any specific features of your project.

    We apply AI to provide better security, identify fraud as soon as it occurs, authenticate users, personalize user insights and provide automatic support using AI chatbots. This makes the eWallet quicker, safer and more convenient.

    Select a company that has good fintech experience, established knowledge in secure payment solutions, a list of successful apps of the same kind, clear communication, and the capability to develop custom options according to your business model. Also, check Clutch and Google reviews for better decision-making.

    Yes. Properly developed eWallet apps have encryption, tokenization, multi-factor authentication, device binding and regular security audits that help maintain the security of user data and transactions.

    Yes. Your application can support credit cards or debit cards, bank transfers, UPI, QR payments, NFC payments, and third-party payment gateways based on your needs.

    Still have a question?