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Fintech Software & App Development — AEPS, DMT, BBPS, Recharge

We build complete B2B and B2C fintech platforms — AEPS, money transfer, BBPS bill payments, recharge, micro ATM, UPI collections and digital wallet — with an Android app, iOS app and web portal under your own brand.

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Digital payments in India are growing rapidly, and retailers and agents in every city and village now offer banking services to their customers. Bridge Creative builds a secure, scalable and fully white-label fintech platform that lets you launch your own payments brand.

We integrate your chosen licensed API providers (banks, NPCI-connected aggregators, BBPS operating units and recharge APIs), build the commission and surcharge engine, and deliver a real-time wallet ledger with complete reconciliation — so you can start your business from day one.

Features

Key Features & Modules

Main features you get with Fintech Software & App Development.

AEPS (Aadhaar Enabled Payment System)

Cash withdrawal, balance enquiry, mini statement and Aadhaar Pay with certified biometric devices (Mantra, Morpho, Startek).

DMT — Domestic Money Transfer

IMPS/NEFT transfers, beneficiary verification, sender KYC, OTP validation and instant status.

BBPS Bill Payments

Electricity, water, gas, broadband, DTH, insurance, FASTag, loan EMI and thousands of billers.

Mobile & DTH Recharge

Multi-operator recharge with API switching, auto-refund on failure and plan fetch.

Micro ATM & UPI

mATM cash withdrawal, UPI QR collections, payment links, payouts and virtual accounts.

Digital Wallet & Ledger

Real-time wallet, fund requests, load money, bank settlement, double-entry ledger and passbook.

PAN Card, Travel & More

UTI/NSDL PAN services, flight/bus/train booking, insurance and loan lead modules.

Commission & Surcharge Engine

Service-wise, slab-wise and user-wise commission with automatic distribution at every level.

KYC & Onboarding

eKYC, PAN/Aadhaar verification, video KYC, document upload and approval workflow.

Security & Compliance

Encryption, 2FA, device binding, geo-location, IP whitelisting, audit logs and fraud alerts.

Panels

Multi-Level Panels & Apps

A separate dashboard and permissions for every user role.

Super Admin Panel

Complete control of users, APIs, services, commission, reports and wallets.

White-Label / API Partner

Your brand, your domain — resell the portal or APIs to other businesses.

Master Distributor & Distributor

Build your downline, transfer funds and earn commission.

Retailer / Agent App

Android app and web portal from which all services are operated.

Customer App (B2C)

Consumer app for recharge, bill payment, wallet, UPI and rewards.

Technology Stack

Technologies We Use

Modern, proven and scalable technologies.

  • Node.js
  • PHP / Laravel
  • React
  • Kotlin (Android)
  • Swift (iOS)
  • Flutter
  • MySQL
  • Redis
  • AWS
Our Process

From Idea to Launch — 6 Simple Steps

A transparent process with your approval at every stage.

  1. Discussion

    A free call to understand your requirements and goals.

  2. Planning

    Feature list, timeline and a fixed quotation.

  3. UI/UX Design

    App and website design for your approval.

  4. Development

    Agile development with weekly progress demos.

  5. Testing & Launch

    QA testing, then live on Play Store / App Store and server.

  6. Support & Growth

    Maintenance, new features and marketing support.

FAQ

Fintech Software & App Development — FAQs

How long does it take to build a fintech app?

Using our ready fintech framework, a B2B portal and Android app can launch in 3–6 weeks. A fully custom B2C app with UPI, wallet and rewards usually takes 2–4 months.

Do you provide AEPS, DMT and BBPS APIs?

We develop the software and integrate the licensed API providers you choose. If you do not have a provider yet, we guide you in selecting reliable ones.

Will the app carry my brand name?

Yes. The entire platform is white-label — your logo, name, domain, colours and your own Play Store / App Store account.

Will I get the source code?

Yes, depending on the project you receive full source code ownership so you can extend the platform at any time.

How do you ensure security?

We use encrypted APIs, two-factor authentication, device binding, rate limiting, audit trails and regular security testing.

Get Started

Free Quote for Fintech Software & App Development

Share your requirement — we will send a detailed proposal with features, timeline and cost.

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