SpikeSecure builds fintech software from Coimbatore: payment and wallet apps, lending and loan management platforms, neobank and expense-management front-ends, investment and insurance apps, with Aadhaar and video KYC, UPI and card gateways, double-entry ledgers with audit logs, and controls built to RBI guidelines and the DPDP Act 2023. Our own product moves real money through a wallet ledger and RazorpayX payouts every day. Payment apps from ₹6 lakh on a fixed-scope quote.
SpikeSecure Technologies Pvt. Ltd. is a fintech software development company based at CHIL SEZ IT Park, Saravanampatti, Coimbatore, Tamil Nadu, building payment, lending, wealth and insurance products for startups, NBFCs and financial brands across India and abroad. A typical build covers onboarding with Aadhaar, PAN, video KYC and CKYC lookups, UPI and card payments through licensed gateways, a double-entry wallet ledger with audit logs, loan origination with bureau and bank-statement checks, e-NACH mandates and collections, payouts to bank or UPI, and dashboards for finance, risk and compliance teams, with integrations to core banking, account aggregators, Tally or Zoho Books and your CRM.
The money-movement stack is proven in our own product, Local Friends, which runs an immutable audit-logged wallet ledger with pre-authorised per-minute billing, KYC-gated earning accounts and instant RazorpayX payouts to bank or UPI, and in WeaveHub, a marketplace with Razorpay Route split payments and KYC-gated vendor onboarding. We have not yet published a bank, NBFC or wallet client by name, and we say so. Every fintech project ships on a fixed-scope written quote with weekly demos, a security review and a 30-day warranty. Payment and wallet apps start at ₹6 lakh; lending platforms run ₹8–20 lakh.
UPI collect and intent flows through your PSP or sponsor bank, card and net-banking checkout via Razorpay, PayU, Cashfree or Stripe, closed-loop and semi-closed wallets with a double-entry ledger, QR payments, refunds, chargebacks and reconciliation dashboards.
Loan origination with Aadhaar and video KYC, bureau pulls, bank-statement analysis via account aggregators, rule-based and score-based decisioning, key fact statements, e-sign and e-NACH mandates, disbursal, EMI schedules, collections apps and NPA reporting for NBFCs and digital lenders.
Consumer and SME banking front-ends on partner bank APIs: virtual accounts, cards, statements, bill pay, budgeting and multi-user approvals, with corporate cards and expense workflows for finance teams.
Mutual fund and stock investing apps on partner broker and RTA APIs, goal-based SIP journeys, portfolio analytics, robo-advisory rules, watchlists and real-time quotes, with SEBI-required disclosures and suitability screens designed in.
Policy comparison and purchase journeys on insurer APIs, claims intake with document capture, renewals and reminders on WhatsApp, agent and partner portals, and commission ledgers.
Wallets, pay-later, split settlement, instant payouts and KYC added to your existing marketplace, gig platform, POS or app, the way we did for WeaveHub with Razorpay Route and for Local Friends with RazorpayX.
Indicative ranges, confirmed in a fixed-scope written quote after the discovery call. Partner, gateway and bureau fees are billed by those providers, not by us.
Flutter apps for Android and iOS, web admin, UPI and card gateway, KYC, double-entry ledger with audit logs, payouts and reconciliation. 10–16 weeks. Right for a wallet, a bill-pay or a merchant payments product.
Borrower app, origination and decisioning engine, bureau and account-aggregator integrations, e-sign and e-NACH, loan management, collections app and NBFC reporting. 12–20 weeks.
Customer app and web, partner API integration (bank, broker, RTA or insurer), onboarding with KYC and suitability, statements, notifications, support tooling and compliance dashboards. 14–24 weeks.
Multi-tenant or white-label products, core integrations, risk engines, maker-checker workflows, SOC-style logging and phased rollout. 24–40 weeks.
Wallet, KYC, split payments, payouts or BNPL added to a marketplace, gig, POS or SaaS product on its current stack, with the ledger and reconciliation you need to close the books.
A wallet ledger, KYC, payout and reconciliation stack already in production in our own product, one Flutter codebase for both stores, an open-source backend, a Coimbatore cost base and a fixed scope with no hourly drift.
Cloud hosting ₹10,000–1,00,000 per month depending on volume, gateway and payout charges, KYC and bureau API fees per check, SMS and WhatsApp charges, annual penetration testing, and optional maintenance from ₹20,000 per month with security patching, dependency updates and a monthly health report.
Custom CRM, ERP and marketplace prices are on the software development company page.
Flutter customer apps with device binding, biometric login and screenshot protection where required; Next.js customer, partner and back-office portals with maker-checker approvals.
PostgreSQL with a double-entry ledger, immutable journal and audit log, idempotent transaction APIs, encrypted PII fields, and event streams for reconciliation and reporting, the pattern that runs the Local Friends wallet.
Aadhaar OTP and offline XML, PAN verification, video KYC with liveness, CKYC search and upload, sanction and PEP screening through licensed API providers, and consent records per the DPDP Act.
UPI via your PSP or sponsor bank, Razorpay, PayU, Cashfree or Stripe for cards and net banking, RazorpayX or bank APIs for payouts, e-NACH and e-sign, credit bureaus, account aggregators, core banking and lending APIs, Tally or Zoho Books, WhatsApp Business API.
Role-based access with maker-checker, secrets in a vault, encryption in transit and at rest, rate limiting and fraud rules, tokenised card storage only at the gateway, penetration test before launch, and logging that satisfies audit requests.
AWS Mumbai or the client's region, infrastructure as code, blue-green releases, monitoring with alerts on failed settlements, backups with tested restores, and runbooks for reconciliation breaks and partner outages.
Fintech startups, NBFCs, chit and gold-loan businesses, co-operative lenders and payment resellers in Coimbatore, Chennai, Tiruppur, Salem, Madurai and Trichy get in-person discovery, Tamil-language customer apps and on-site training for branch and collections staff. Coimbatore-specific custom software, CRM and ERP work is on the software development company page.
Fintech startups, digital lenders, wealth platforms and insurtechs in India's fintech hubs are served remotely with weekly demos, an on-site kick-off on request, and Kannada, Marathi, Telugu and Hindi customer apps.
Remote delivery with recorded training and the same warranty, control framework and pricing anywhere in India.
Fintech startups and financial brands in the US, UK, UAE, GCC, Singapore and Australia are delivered remotely from Coimbatore under an NDA and a data-processing agreement, with Stripe, Adyen or regional gateways, hosting in your region and invoicing in USD, GBP, AED or SGD. Licensing and local regulation are scoped with your counsel. See international clients.
We have not yet published a bank, NBFC, wallet or lending client by name. We publish client names and outcomes only with permission and in the client's own words, and we never publish transaction data or invented metrics.
See the technologies page for how we choose between them.
The same six steps run on every project we take in Coimbatore, whether it is a five-page website or a multi-vendor platform.
We map the product, the money flows, the partners (bank, PSP, bureau, insurer) and the regulations that apply, agree the compliance scope with your counsel, and send a fixed-scope written quote within 48 hours.
Customer, partner and back-office screens as a clickable prototype, including KYC, consent, key fact statement, grievance and maker-checker flows, tested with real users and your compliance lead.
Ledger, onboarding and payments first against partner sandboxes, then lending or investment logic and integrations, in weekly staging demos with GitHub access from day one.
Access control, audit logs, idempotency and reconciliation verified, penetration test, device and network testing, partner certification and UAT sign-off.
Production partner credentials, a limited cohort with daily reconciliation, store submission, staff training, then a full rollout.
30-day warranty, then maintenance from ₹20,000 per month with security patching, partner API changes, regulatory updates and a monthly health report.
Finance is a your-money-your-life category for Google and for AI assistants. We ship the pages, schema and disclosures that let both recommend you.
Indexable pages for every product with FinancialProduct and FinancialService schema, EMI, SIP and fee calculators, and clear disclosures, so you rank for product searches and appear in AI Overviews.
Licence numbers, partner bank and NBFC names, grievance officer details and privacy terms published where regulators and search engines expect them.
llms.txt, FAQ schema and plain-language answers about fees, eligibility and safety, maintained by our AEO specialist team.
Listing copy, screenshots and review requests tuned for finance categories, with in-app prompts that ask satisfied users for ratings after successful transactions.
Guides on loans, investing and payments reviewed by your compliance team, with author credentials and dates, the E-E-A-T signals search engines expect in finance.
GA4 and Search Console for the web pages, funnel analytics from install to first transaction, and cohort views for activation, repeat usage and churn.
Indicatively ₹6–15 lakh for a payment or digital wallet app, ₹8–20 lakh for a lending platform with origination, e-mandates and loan management, ₹10–25 lakh for a neobank, investment or insurance app on partner APIs, from ₹25 lakh for enterprise or white-label platforms, and ₹3–8 lakh to add wallets, KYC or payouts to an existing app. SpikeSecure confirms every figure in a fixed-scope written quote.
A payment or wallet app takes 10–16 weeks, a lending platform 12–20 weeks, a neobank or investment app 14–24 weeks and an enterprise platform 24–40 weeks in phases. Partner sandbox integrations start in week two so certification does not sit on the critical path.
Usually you operate under a licensed partner: a sponsor bank or PSP for UPI, a licensed gateway for cards, an RBI-registered NBFC or bank for lending, a SEBI-registered broker or RIA for investing, and an insurer for insurance. We build the product and the partner integrations; the licences, registrations and partner agreements are yours, and we scope the regulatory requirements with your counsel.
We build to the RBI Digital Lending Guidelines, KYC Master Direction, PPI Master Directions, card tokenisation rules and the Account Aggregator framework where they apply, and to the DPDP Act 2023 for consent, purpose limitation and data-principal rights. Consent records, key fact statements, grievance flows and audit logs are part of the scope, not an add-on.
No. Cards are tokenised and stored by the licensed gateway, which keeps your PCI DSS scope minimal. We store only tokens, masked numbers and the audit trail.
Yes. UPI through your PSP or sponsor bank, e-NACH and e-sign through licensed providers, bureau pulls for credit checks, account-aggregator consent flows for bank-statement analysis, and core banking or lending APIs where your partner exposes them. Each integration is listed item by item in the quote.
A double-entry ledger with an immutable journal, idempotent transaction APIs, per-transaction audit logs and daily reconciliation against gateway and bank reports, the same pattern that runs the wallet in our own product, Local Friends.
Our own product Local Friends runs a prepaid wallet, KYC-gated earnings and RazorpayX payouts in production, and WeaveHub runs Razorpay Route split payments with KYC-gated vendor onboarding. We have not yet published a bank, NBFC or wallet client by name, and we would rather say so than imply otherwise.
Functionally, yes: wallets, UPI, bill pay, rewards, lending journeys and investing on partner APIs. We build it for your licence structure and brand, and we tell you early which features depend on partner approvals rather than on code.
Yes. Tamil, Hindi, Kannada, Telugu, Malayalam, Marathi and Bengali customer apps, with simple layouts and voice-friendly flows for first-time digital borrowers and savers.
You do. Source code in your GitHub organisation, cloud, gateway, KYC and messaging accounts in your name, and customer and transaction data in your own databases from day one, with a documented handover.
Yes. Coimbatore, Chennai and Tiruppur in person; Bengaluru, Mumbai, Hyderabad, Pune, Delhi NCR and the rest of India remotely with an on-site kick-off on request; and fintech startups in the US, UK, UAE, GCC, Singapore and Australia remotely, with Stripe, Adyen or regional gateways, hosting in your region and invoicing in your currency.
A ledger, KYC, payout and reconciliation stack already in production, one Flutter codebase for both stores, an open-source backend, a Coimbatore cost base and fixed-scope quotes. Compliance screens and audit logging are included in the scope rather than sold as change requests.
Email your fintech brief to info@spikesecure.com or WhatsApp +91 95149 94888. We schedule discovery in person or on video, walk you through the Local Friends wallet and payout stack, and send a fixed-scope written quote, usually within 48 hours.
A 30-minute discovery call and a fixed-scope quote — usually within 48 hours. No deck, no sales theatre.