Finance & FinTech · Solution we build

Digital Wallet & UPI Payments App

Secure wallets, UPI payments and bill pay for your customers. We build digital wallet and payments apps with KYC onboarding, UPI and card payments, bill payments and transaction history, working with licensed banking and payment partners for compliance.

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Digital Wallet & UPI Payments App: Secure wallets, UPI payments and bill pay for your customers.

KYC onboarding UPI & cards 16–28 weeks typical timeline

Typical timeline16–28 weeksfor a first production release

PlatformsAndroid, iOS, admin web

IndustryFinance & FinTechFinTech startups, NBFCs and co-operative banks

Key features

What your Digital Wallet & UPI Payments App includes

KYC onboarding

Aadhaar / PAN eKYC, video KYC and risk checks via partners.

UPI & cards

Send, receive and pay with UPI, cards and QR.

Bill payments

BBPS bills, recharges and subscriptions.

Security

Device binding, biometric login, PIN and fraud rules.

Transaction history

Statements, disputes and refunds.

Admin & compliance

Limits, reconciliation, AML monitoring and reports.

Who it's for

FinTech startups
NBFCs and co-operative banks
Closed-loop wallets (campus, corporate)
Merchant networks
Bank-grade security
Faster customer onboarding
Compliance built in
Scales with transaction volume

Business benefits

Bank-grade security
Faster customer onboarding
Compliance built in
Scales with transaction volume

Technology stack

Built on proven, scalable tech

Typical stack shown. We choose technologies based on your scale, team and existing systems.

Kotlin / SwiftJava (Spring Boot)PostgreSQLBank / PA partner APIs

How we deliver

From discovery to launch

STEP 01

Discovery

Workshops to understand your workflows, users and must-have features.

STEP 02

Design

Wireframes, clickable prototypes and a technical architecture you approve.

STEP 03

Build & test

Agile sprints with demos, code reviews and automated QA.

STEP 04

Launch & support

Cloud deployment, training, monitoring and ongoing improvements.

FAQ

Frequently asked questions

How long does it take to build a digital wallet & upi payments app?

A typical first version takes around 16–28 weeks, depending on the features, integrations and platforms you need. We share a detailed timeline after the discovery phase.

Can the features be customised for our business?

Yes. Every solution is built for your workflows. The features on this page are a starting point; we add, remove or adapt modules based on your requirements.

Do we need our own payment licence?

Not necessarily. Many products launch with a licensed bank or payment aggregator partner; we help you integrate with them.

Who owns the source code?

You do. On project completion the source code and intellectual property are handed over to you, and we can continue with support and enhancements if you wish.