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Fintech products that work when real money
is on the line.

We build payment platforms, lending portals, and embedded finance tools for regulated Australian businesses. AFSL, AML/KYC, open banking — your compliance team reviews our work, not briefs us on what the obligations mean.

  • 900+ platforms built

  • 20+ years delivering

  • #1 Clutch - 4 years running
Book a Free Discovery Call
See Our Work
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$9.6B+
Client revenue generated
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360+
AI-native developers
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20+
Years delivering (est. 2004)
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ISO 27001 & 9001
Security & Quality Certified

We work best with these kinds of businesses

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Funded fintech startups

Seed to Series B teams building a regulated product for the first time and who can't afford to get it wrong.
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Scale-ups modernising legacy systems

Established financial businesses whose original platform has hit its ceiling and needs rebuilding — without downtime.
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Regulated financial businesses

AFSL holders, AML-obligated entities, and credit providers who need a development partner that understands compliance by default.
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Enterprises launching financial products

Non-financial businesses embedding payments, lending, or finance into their core product — real estate, HR, e-commerce.

What fintech founders actually worry about when hiring a dev agency

These aren't hypothetical concerns. They're what comes up in almost every first call with a fintech client — and they're worth talking about honestly before the project starts.

If any of those concerns sound familiar, the first conversation costs nothing.

Discuss Your Fintech Platform

“The last agency said they understood payments. They didn’t.”

Too common. Fintech without domain experience leads to compliance gaps, broken integrations, and costly delays.
Built inside Nuvei, Rello, and Plenti. We know the space — and we’ll show you.

“How do I know my data is actually safe?”

In fintech, a data breach is a regulatory event. Security isn’t a claim — it’s a system. It's the reason fintech clients choose us over agencies who simply say they "take security seriously."
ISO 27001 certified. Security designed from day one, not added later.

“We’re a regulated business. Can your team actually work within that?”

Most software agencies are built for speed, not compliance. We've spent years working with AFSL-licensed businesses, AML/KYC obligations, and open banking frameworks. 
We understand AFSL, AML/KYC, and data residency. Your compliance team won't have to educate ours.

"What happens when the project is over? Do you just disappear?"

The graveyard of fintech products is full of platforms that launched fine and then slowly broke as the codebase aged and nobody understood it well enough to maintain it. 

20 years in the Australian market. Ongoing support structured into the engagement from day one.

"Will this fall apart when volume increases?"

A payment platform that processes 50 transactions a day is a very different system to one processing 50,000. Most of the expensive rebuilds we've seen was designed for launch, not for scale.

Architecture designed for 10× launch volume from day one. No rebuild surprises.

"I don't know enough about this technically. Will I get taken advantage of?"

Our clients range from CTOs to founders who've never commissioned software in their lives. You'll always know what we're building, why, what it costs, and what it means for your business.

Plain English, always. Jargon only if you actually want it. First call is free.

Fintech doesn't forgive average engineering.

Most agencies can build fintech software. Few can build systems that survive regulatory audits, integration failures, and transaction spikes without a rebuild.

The difference isn’t talent. It’s understanding the risks before the project starts.

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We understand the regulatory environment

AFSL obligations, AML/KYC requirements, open banking frameworks. We factor them into design decisions from the discovery phase.

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We've connected the integrations you're using

Nuvei, open banking rails, credit bureaus, payment gateways, identity verification services. We know where they break and how to architect for that.

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We've worked with ASX-listed clients

Delivery governance, documentation standards, security posture — we operate at the level enterprise and publicly-listed fintech companies actually require.

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Named people, not a rotating queue

Every project has a dedicated Engineering Manager, Business Analyst, and Account Manager. You talk to people who know your business context.

Fintech companies that trusted us with real money.

These aren't showcases. They're working financial products that process real transactions, operate under regulatory obligations, and need to stay up.
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Nuvei: NYSE & TSX listed · $95B+ annual transaction volume

When they needed custom tooling built on their payment infrastructure — merchant-facing interfaces, management dashboards, transaction reporting tools — they chose a partner who already understood the environment.

Read the Nuvei Case Study
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Rello: Australian fintech · Real estate payment & finance platform

Rello connects multiple payment rails (including Nuvei), identity verification services, AML compliance tools, and CRM integrations into a single automated workflow.

Read the Rello Case Study
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Plenti: ASX listed · $5B+ in loans originated · NAB partnership

We built Plenti's peer-to-peer lending mobile app end-to-end: brand design, UX/UI, iOS and Android development, NodeJS backend, GraphQL API, and AWS Lambda infrastructure.

Read the Plenti Case Study
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Our system for building fintech platforms that don't need rebuilding

Experience tells you what can go wrong. A system ensures it doesn't. Built to Last™ is how we structure every fintech engagement — assessing each platform across three dimensions before it ships. Not as a checklist exercise. As the standard every engagement is held to. See the full Built to Last™ framework →

01

Compliance Ready

  • AML/KYC architecture
  • Audit logging
  • Role-based access control
  • Regulator-grade data handling
  • AFSL-aware design patterns
  • Data residency controls
02

Integration Ready

  • Payment rail resilience
  • Credit bureau APIs
  • Identity provider connectivity
  • Open banking frameworks
  • Graceful API failure handling
  • Versioned integration contracts
03

Scale Ready

  • 10× volume architecture
  • Observability + monitoring
  • Failover design
  • Load testing pre-launch
  • Auto-scaling infrastructure
  • Database performance design

The digital products fintech companies actually need

If you've worked with a generalist agency before, you already know the problem: they can build things. They just can't build the right things, in the right order, for an environment that doesn't forgive mistakes.

Everything below is something we've built before — inside regulated, production environments, for real users with real money involved. Not prototypes. Not MVPs with debt we'll deal with later.

01

Payment Platforms & Merchant Tools

Custom interfaces built on top of payment processors for teams that live inside the numbers and can't afford downtime.

02

Loan Origination & Lending Portals

End-to-end digital lending experiences built to process compliantly and fast, because speed is part of the product.

03

Embedded Finance Products

Vendor finance, BNPL modules, payment request flows — integrated directly into existing workflows and third-party CRMs rather than bolted on the side.

04

Compliance & Identity Infrastructure

AML/KYC flows, biometric identity verification, DVS-connected checks built into the product workflow from the start.

05

API Integration & Third-Party Connectivity

Payment rails, credit bureaus, banking APIs, open banking services. We know how to architect for resilience when they do. 

06

Investor & Analytics Dashboards

Real-time financial data for investors, executives, and operations teams. Built for people who make decisions based on what they see.

AI capabilities for modern fintech platforms

The fintech platforms being built today look very different from five years ago. AI isn’t an add-on — it’s the product. Fraud detection that learns. Credit models that improve with data. Insights that surface automatically.

At EB Pearls, we build AI into the core of financial products — not as bolt-ons, but as infrastructure that gets smarter over time. If your roadmap includes this, we’ve done it before.
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Transaction Anomaly Detection

Real-time fraud and anomaly flagging using ML models trained on transaction patterns.
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AI Credit Scoring Models

Smarter credit risk assessment that goes beyond traditional bureau data to improve approval rates and reduce defaults.
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Financial Insights Engines

Automated financial analysis and personalised insights surfaced to users — without manual reporting overhead.
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Document Automation

Intelligent extraction and processing of financial documents — applications, contracts, statements — at scale.

What it actually feels like to build with us

Most agencies describe a process. We describe what the experience is like for you — because that's what matters when you're accountable for the outcome.

01

Discovery — before we quote anything

We map your compliance requirements, integration landscape, and technical constraints before a single line of code is priced. In fintech, what you don't plan for is usually what costs you the most.

No surprises in scope later
02

Design for how the product will actually be used

Financial workflows aren't e-commerce. We design for operators who need precision, borrowers under stress, and compliance teams who need an audit trail. Not generic UX patterns repurposed from a different industry.

Prototyped and validated before build begins
03

Build in two-week sprints you can see

Every sprint ends with a working demo. Full Jira visibility. Regular stakeholder reviews. Change is discussed openly — not absorbed silently until it becomes a budget conversation three months in.

Fortnightly progress, always visible
04

We don't disappear at go-live

Launch is the beginning of the product's life, not the end of ours. Post-launch support, performance monitoring, and roadmap planning are how we structure every engagement — because we've been around long enough to know what happens otherwise.

20 years in market. Support structured from day one.

Fintech Platforms Built for Scale, Compliance, and Intelligence

We build payment, lending, and embedded finance platforms designed for Australian regulatory standards, complex integrations, and high-scale performance.

Payment Platform Development

Payment platforms in Australia must meet AFSL, RBA, and PCI DSS requirements — shaping architecture from day one, not as an afterthought.

EB Pearls builds payment platforms and merchant tools for global processors and regulated businesses, covering integrations, onboarding, reporting, reconciliation, and payouts at production-grade standards.

Merchant Onboarding & KYB

Business verification flows, document collection, risk scoring, AFSL-aware approval workflows.

Transaction Reporting & Reconciliation

Real-time transaction dashboards, automated reconciliation against settlement files, exception handling.

Payout & Settlement Management

Scheduled and on-demand payouts, multi-rail routing, settlement file generation, audit trails.

Merchant-Facing Tools

Self-serve dashboards, dispute management, fee and rate configuration, PCI-scoped card handling.

Lending Platform Development

A digital lending platform lives or dies on three things: speed of decisioning, credit quality, and compliance with the National Consumer Credit Protection Act.

We built Plenti's peer-to-peer lending app end-to-end — brand, UX, iOS and Android, NodeJS backend, GraphQL API, AWS Lambda infrastructure. Plenti has since originated $5B+ in loans and partnered with NAB. That's what production-grade lending infrastructure looks like at ASX-listed scale.

Loan Origination Systems

Application flows, credit decisioning, document collection, approval workflows

Borrower Portals

Account management, repayment tracking, statement access, communication

Credit Assessment Integration

Credit bureau APIs, open banking income verification, risk scoring

Investor Dashboards

Portfolio analytics, loan performance data, returns reporting

Embedded Finance & Open Banking Development

Embedded finance powers everything from BNPL to payments inside CRMs — complex systems with invisible user experiences.

EB Pearls built Rello’s real estate finance platform, integrating payments, AML, identity verification, and CRM workflows into a compliant, automated system.

Vendor Finance Flows

Invoice factoring, deferred payment, settlement-linked repayment

Open Banking Integration

CDR-compliant data access, income verification, bank account validation

CRM Embedded Payments

Payment requests inside existing workflows, auto-reconciliation

White-Label Finance Tools

Branded finance products built for platform distribution

Heard from clients who've been through it

What impressed us most was that the support did not stop at launch. When issues came up, they were responsive, clear, and easy to work with. It felt like we had a partner behind the product, not a team that disappeared after the initial job was done.
Fidaa Hadad, RelloPay
Fidaa Haddad

Founder, Rello Pay

The company saved $200,000–$400,000 using EB Pearls. The team's QA services also helped the firm resolve issues by being responsive to requests and highly involved in project management. Their resources had the right technical skills; their leasing service model gave the client great flexibility.
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Wayne Wen

Product Manager, Coposit

They were pragmatic about automation and AI from the start. Instead of pushing features for the sake of it, they helped us focus on the workflows that would create real value. The end result was useful and easy for the team to adopt and manage moving forward.

Chris Richardson, Beforepay
Chris Richardson

Marketing Director, Beforepay

One of the biggest differences was visibility. We always knew what was happening, what decisions were needed, and what was coming next. We were never left chasing updates or wondering where things stood.
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Chris Ferris

Co-Founder

Questions fintech buyers always eventually ask

We'd rather answer these here than wait for them to come up two months into a project. If you have a question that isn't here, ask us in the first call.

We've worked across AFSL-licensed businesses, AML/KYC obligations, and open banking frameworks. We're not compliance lawyers — but we're not starting from zero either. In practice, this means your compliance team reviews our work rather than briefing us on what the obligations mean. That's a significant difference in delivery speed and risk.

Every engagement has three named leads: an Engineering Manager, a Business Analyst, and an Account Manager. They stay on the project — they don't rotate out when a new client comes in. You'll know who they are before the project starts, and you'll communicate with them directly throughout.

Full IP ownership on delivery. Every line of code, every design asset, every document we produce belongs to you. No lock-in. No proprietary dependencies that make it expensive to leave. That's written into the contract from the start — not negotiated later.

The difference usually becomes visible in two places: discovery (do they ask the right questions before quoting?) and production (do they hold up under pressure when something goes wrong?). We've been operating for 20 years, hold ISO 27001 and ISO 9001 certifications, and have delivered for ASX-listed companies. Ask any agency you're comparing us to for the same track record. That's the real filter.

Change is managed, not absorbed. We work in two-week sprints with full Jira visibility. When scope changes — and in fintech, it usually does as regulations evolve and market conditions shift — we discuss it openly, price it transparently, and document the decision. No surprises at the end of a project.

It's a 30–45 minute call. No deck, no pitch. We ask about your product, your compliance environment, your integration landscape, and your timeline. You ask us whatever you want — including the uncomfortable questions. By the end, you'll know whether we're the right fit. If we're not, we'll tell you that too.

1 Your Information
2 Book Meeting
3 Confirmation

Building a fintech productand want to get it right?

The first call is free and there's no pitch deck. We'll ask about your product, your compliance environment, and your timeline — and give you honest answers about whether we're the right fit. If we're not, we'll tell you that too.
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What to expect on your call

What to expect

  1. 1 Share a few details
    Complete the form with your contact details and what you need help with.
  2. 2 Book your free discovery call
    Once you submit the form, choose a time that suits you for your discovery call.
  3. 3 Privacy comes first
    Sign an optional NDA to ensure the highest privacy level and protection of your idea.
  4. 4 Discovery call
    We’ll discuss your goals, the support you need and answer your questions. If we’re a good fit, we’ll outline the next steps.

What to expect

  1. 1 Share a few details
    Complete the form with your contact details and what you need help with.
  2. 2 Book your free discovery call
    Once you submit the form, choose a time that suits you for your discovery call.
  3. 3 Privacy comes first
    Sign an optional NDA to ensure the highest privacy level and protection of your idea.
  4. 4 Discovery call
    We’ll discuss your goals, the support you need and answer your questions. If we’re a good fit, we’ll outline the next steps.