Creating secure, swift, and stylish mobile apps powered by our extensive Fintech experience.
SPD Technology is a mobile payment app development company with exceptional expertise in developing high-load payment solutions capable of handling a 26 million customer base and over $1 billion in transaction volumes.
We can create a mobile payment app that meets the diverse needs of the business and its audiences. Our payment app development competencies include, but aren’t limited to:
We would be glad to develop a wide range of advanced and future-ready payment solutions tailored to your business needs.
This solution streamlines transactions and provides a secure and convenient way to store payment information, make online purchases, and complete in-store transactions on the most common mobile devices. In modern payment app development, a digital wallet is a necessary component that securely stores credentials, cards, and transaction data.
Facilitate seamless P2P and P2B transactions, benefiting from our user-friendly solutions for individuals and businesses to transfer funds, make payments, and manage financial transactions effortlessly. Peer-to-peer (P2P) payment apps are typically used for person-to-person transfers and have limited usage in merchant networks.
Our solutions elevate the digital banking experience and empower users to check account balances, transfer funds, pay bills, and access banking services on the go, delivering a comprehensive financial management solution. Modern mobile payment apps include instant payments, multi-currency functionality, and direct integration with bank accounts and cards.
Transform any mobile device into a smart point-of-sale hub. You can process payments, issue receipts, and manage stock through a single interface. Connect with accounting and CRM tools to keep data aligned. Staff can serve customers anywhere in the store or at events. You gain visibility into transactions and performance without equipment.
Virtual terminal apps enable remote payment acceptance without physical hardware. Businesses process phone orders, recurring invoices, and online transactions from a centralized dashboard. The system records transaction history, validates payment details, and supports secure authorization. You gain flexibility while keeping control over compliance and reporting.
With NFC-enabled apps, customers complete contactless payments by tapping their mobile devices against a compatible terminal. The application verifies credentials and confirms transactions in seconds. Retailers benefit from smoother workflows and reduced friction at checkout. This approach strengthens both speed and reliability at the point of sale.
Subscription billing apps automate recurring charges and manage flexible pricing plans. The system handles renewals, failed payment retries, and plan upgrades without manual intervention. Customers receive clear billing histories and notifications. Businesses gain predictable revenue streams and greater control over retention.
Invoicing processes will become much more effective with the ability to create, send, and track invoices on the go. With a mobile invoice app, you can dramatically improve cash flow and reduce administrative overhead. A modern payment app should allow users to create and send important payment documents directly through the app.
In-store mobile payment apps transform the shopping experience by boosting engagement and loyalty to your brand through quick and secure payments on mobile devices. Certain mobile payment models include closed-loop payment apps that operate only within a restricted transaction network and can only be used within a particular commercial chain.
Reap the benefits of bank transfers and electronic payments with secure money transfer apps for businesses and individuals. It records transaction data, monitors processing stages, and reduces manual reconciliation. Companies manage payouts and collections through a single interface. The system suits high-volume transfer environments.
It’s a reliable and cost-effective solution for payments across different currencies, tax policies, regulations, and regions, ensuring a smooth cross-border financial experience. Global-ready mobile payment app development includes open-loop payment apps connected to global financial networks and accepted by most organizations and stores worldwide.
We leverage our comprehensive cross-industrial expertise and experience to build intuitive payment apps that elevate the user experience. A well-architected payment app can give you access to valuable user data that informs business decisions and helps personalize services.
Industry market leaders such as BlackHawk Network and Poynt trust us to develop complex Fintech solutions with 99.9% service availability, capable of processing billions of U.S. dollars in transactions. Our teams design architectures that handle billions of transactions without performance drops. This track record reflects strong governance, disciplined delivery, and deep domain knowledge.
Our vetted experts have 5–10 years of experience in mobile development. A strong technical foundation drives every mobile payment initiative we deliver. Our specialists work confidently with native stacks and cross-platform frameworks. They select tools that align with business goals rather than trends. This balanced approach results in fast, secure, and scalable payment applications built for long-term use.
Proven practices of UI/UX design at your service, including user testing, feedback loops, and iterative design processes. The design phase focuses on creating an intuitive user experience that fosters trust and minimizes friction during transactions. Our developers are aware of the latest trends and are adapting designs to match evolving expectations.
Adherence to industry regulations and legal standards is our priority. Compliance with regulations such as PCI DSS, GDPR, and CCPA is also crucial for payment app security. That’s why security measures are embedded in the development process from the very beginning. We account for identity deception, phishing, malware attacks, DDoS attacks, and other cyber threats that can lead to fund theft and sensitive data breaches.
We leverage encryption to protect sensitive data, transaction details, personal information, and payment credentials, securing data both in transit and at rest. For any payment app, end-to-end encryption for every transaction is a non-negotiable security measure.
SPD Technology designs and develops transformative software solutions that drive innovation, new revenue streams, and market leadership.
Industry: Pet Tech 
Country: Israel 
Team Size: 2 Industry: Cultural Activities Country: USA Team Size: 9 Industry: Biotechnology & Healthcare Country: USA Team Size: 9 Industry Recognition
At SPD Technology, we craft innovative mobile solutions designed to boost your digital presence and user engagement.
Our engineers build secure Android payment applications designed for high transaction volumes and diverse device ecosystems. We create stable integrations with payment gateways, banking APIs, and digital wallets while ensuring reliable authentication and transaction security across modern Android environments. This approach supports reliable digital and contactless payments across Android devices.
We develop iOS apps that support fast payments, reliable integrations, and strong security controls. Our teams implement authentication mechanisms, transaction monitoring, and payment gateway integrations to keep financial operations stable. For instance, we developed an iOS mobile app for the Seattle landmark Space Needle, integrating with the internal ticketing system, which we also overhauled.
Our teams build cross-platform mobile payment apps that run smoothly across iOS and Android from a shared codebase. We focus on stable transaction processing, secure authentication, and consistent user experience across devices. One example is our long-term partnership with Mogami, where we built three iterations of cross-platform personal finance apps over more than 10 years.
Fabrice Forget
Chief Product Officer, PitchBook
We feel very lucky to have found SPD Technology as our partner. Over the last 10 years, they have totally surpassed our expectations, and day after day we have received incredible value from the team. Here is the secret sauce, just put together your best ideas in your requirements and there is nothing they can’t do!
Harnessing the latest technologies, we craft secure and efficient solutions tailored to your business needs. The development phase involves both frontend and backend development to ensure secure, stable transaction processing.
Expo 
Flutter 
Java 
Java 8 
Kotlin 
Nest JS 
React Native 
Swift Providing seamless mobile app payment integration across all platforms that your business may require to achieve maximum versatility. Identifying and resolving issues that may arise during integration is crucial to ensuring accurate and secure payment operations.
Our engineers connect your app to trusted gateways. They align authentication, settlement, and reconciliation logic with your platform. Our payment gateway integration services provide a reliable transaction pipeline that supports growth.
Our specialists connect backend processing engines to your payment software infrastructure. We ensure accurate reconciliation. The system supports stable digital payments under increasing loads.
Our developers integrate billing and invoicing software directly into your payment workflow. The system updates balances and generates reports in real time, making finance operations more structured.
We connect POS solutions with your payment infrastructure to support real-time authorization and reporting. Businesses gain operational clarity at every checkout with reliable transactions.
AI-powered monitoring improves real-time fraud detection solutions in mobile payment apps. We have extensive experience integrating solutions with third-party and our risk management software that reduces fraud by up to 8x.
We add SMS payment functionality to expand access in low-connectivity regions. Users confirm transactions through secure text flows. The system verifies requests and logs activity for compliance tracking.
To share their experiences
Sara Lufrano
Principal Technical Product Manager, Space Needle
Always delivered on time. Highly responsive to our needs. 10/10.
Alex Samano
Co-Founder & CEO, Mogami App
SPD Technology has done a great job of maintaining the lifeblood of their codes. They’re transparent with pricing models and deliver within budget. Their dedicated teams act as an extension of the partner’s company. Responsibility and a commitment long-term partnership are two hallmarks of their work.
Fabrice Forget
Chief Product Officer, PitchBook
We feel very lucky to have found SPD Technology as our partner. Over the last 10 years, they have totally surpassed our expectations, and day after day we have received incredible value from the team. Here is the secret sauce, just put together your best ideas in your requirements and there is nothing they can’t do!
John Gabbert
Founder and CEO PitchBook Data
Customers are king at PitchBook and SPD Technology shares in this mission. For the last 13 years, SPD Technology has helped us scale product development and continuously deliver the product functionality our clients need to make smarter decisions.
Prasad Sridhar
Senior Engineering Manager E-comerce Solutions Company
SPD Technology’s work has been praised by the client for their consistency and high quality. Their communicative, responsive, and flexible project management ensures a positive collaboration. Ultimately, their professionalism and forward-thinking are impressive.
Shariq Ahmad
Head of Technology, Morningstar, Inc
All of their developers and technology staff are highly talented and very professional. Working with SPD felt like we were working with internal team. They are always accessible any time of the day and very flexible in providing support to our users who are globally distreibuted.
Steve Carner
Founder CEO, Home Hub
The team at SPD Technology exceeds expectations. Their professional communication style makes them stand out, They’re a skilled group of detailed-oriented workers. Customers can expect a team that provides helpful suggestions to better their clients.
We deliver the next generation of apps for our clients: startups, innovative market leaders, and Fortune 500 companies.
Leverage our extensive expertise to build feature-rich software that aligns with unique requirements. The payment app development process involves several key stages, including discovery, requirements analysis, design, development, testing, and post-launch support. Requirements analysis ensures that business stakeholders, compliance experts, and technical teams align on the product’s functionality and compliance needs.
Our teams are proficient in redesigning the UI/UX for existing mobile apps and creating intuitive navigation, visually appealing interfaces, and responsive design. Our goal is to improve usability and engage users more effectively. Our payment apps have customizable notifications to enhance user engagement. Retention strategies for payment apps need to focus on rolling out updates based on user feedback and adding new features that users actually want.
If you feel the back-end architecture of your app needs enhancement, you can rely on our technical expertise to update legacy mobile software, ensuring scalability, improving security, and providing seamless integration with front-end components. When modernizing mobile payment applications, using cloud-based infrastructure like AWS or Azure is recommended for scalability. The result is a stable system ready for growth.
Your payment app will benefit from integration with various platforms and third-party solutions, including accounting software, CRM, POS systems, and more. Data exchange remains structured and secure across systems. In modern mobile payment app development, partnership potential is significant because payment apps often create collaboration opportunities with ecommerce, retail, and service industries.
We remain trusted partners to our clients for an average of 5+ years.
Our commitment to the highest quality is reflected in rigorous testing, adherence to the latest industry standards, and a comprehensive quality assurance process. Regular testing for vulnerabilities and audits ensures the security of payment applications. Continuous improvement keeps the payment app stable under real transaction loads.
Project managers from SPD Technology maintain a transparent and open line of communication throughout the mobile payment application development process, providing updates and fostering collaboration. This clarity builds trust and supports informed decision-making while stakeholders stay involved in key decisions.
Controlling the delivery timeline is our responsibility. We give our clients visibility into the mobile payment app development process. We reduce development time and bring your financial app to market faster with pre-built components. The payment app development process benefits from an iterative approach that allows for rapid adjustments based on user feedback.
We define scope and resource requirements before development begins. Detailed estimates outline effort across design, engineering, and testing. Clients understand cost drivers and budget boundaries from the start. Transparent reporting prevents unexpected expenses and supports long-term planning, and we commit to delivering top value within budget.
Our security framework includes contractual, technical, and procedural controls. We use non-disclosure agreements to formalize confidentiality from day one. Role-based access helps limit internal data visibility. Documentation clarifies IP ownership terms. These safeguards defend business assets throughout collaboration.
By Independent Organizations
Confirmed by Oracle certification, our company provides top-notch tech expertise in building and delivering cutting-edge database and cloud-based apps.
IIBA Certification signifies our proficiency in business analysis, ensuring a deep understanding of client needs and industry requirements.rn
With AWS Certification, we guarantee top-tier cloud expertise, enabling us to architect robust, scalable, and secure solutions.
Trusting your project development to us, you can rely on our project management excellence, meticulous planning, and efficient resource utilization. rn
Our Scrum Alliance Certification demonstrates our dedication to agile methodologies, fostering collaboration and iterative development.rn
Backed by Scrum.org Certification, our development team leverages the best principles of Scrum to build superior and iterative software solutions.
Our software product development services are flexibly designed to support your business at every step of the digital transformation journey.
For the companies in the beginning of their digital transformation and software product development path, this engagement model provides a smart solution, allowing for tapping into lacking expertise while preserving collaboration agility.
Delivered by a dedicated tech team, our software product development services arise as a wise option to build medium to large-scale technology solutions, precisely aligned with your business vision at a complete team commitment to your project.
From initial concept to final deployment, our outsourced software development services cover end-to-end technology and infrastructure support, enabling your business to prioritize core operational processes.
From our blog
Answering your most common questions about mobile payment application development.
Essential payment app features are biometric authentication, tokenized card storage, NFC and QR payments, instant P2P transfers, multi-currency wallets, real-time fraud analytics, spending insights, in-app support, and robust compliance.
Every modern payment app should allow users to request payments from others or set reminders for recurring bills. Modern payment apps also include features for spending analytics to help users manage their budgets. Fintech app developers integrate these capabilities to ensure seamless user experiences across iOS, Android, and web platforms.
Robust payment app development safeguards data through:
Essential security measures for mobile payment apps include end-to-end encryption, tokenization, and multi-factor authentication (MFA). Every secure payment app should treat two-factor authentication (2FA) as a non-negotiable inclusion.
Enterprise mobile payment systems require continuous monitoring and optimization to ensure stable performance and compliance with security standards.
Effective mobile payment software embeds automated KYC and AML pipelines at signup and during high-risk events. We integrate with a certified payment service provider that performs document verification, biometric checks, and global sanctions screening.
Rules-based monitoring, AI anomaly detection, and periodic reverification satisfy evolving compliance requirements for payment apps while maintaining a frictionless user experience and regulatory compliance.
The timeframe for rolling out an MVP always depends on the requirements. Yet, with our streamlined mobile payment application development toolkit, an MVP typically takes 8-12 weeks on average. We reuse pre-built components, such as PCI-compliant wallets, KYC modules, and NFC/QR SDKs, to accelerate delivery.
We embed compliance from day one. Strong payment app development requires understanding that regulatory compliance for mobile payment apps includes PCI DSS and GDPR. Tokenization replaces sensitive user data with random values called tokens to protect it during transactions. We design the mobile payment solution with tokenized card data, encrypted transmissions, secure element storage, and role-based access.
Quarterly ASV scans, annual penetration tests, documented SDLC, and continuous log monitoring keep the environment validated while minimizing audit scope through PCI-listed gateways.