P2P Payment App Development Services

Lead the digital payments business with SDK.finance money transfer app development services. Save money and time by having your mobile payment solution built by a team of dedicated fintech software engineers on a pre-developed fintech platform.

Developing all types of payment products

We provide customized mobile payment and remittance solutions that make use of cutting-edge technology. Employ our skills to get completely protected, user-friendly P2P payment software with outstanding UI/UX design.

P2P payment apps

Facilitate seamless peer-to-peer transactions and enable users to send and receive money directly from their bank accounts, making splitting bills or reimbursing friends a breeze.

Money transfer apps

Enable quick and secure fund transfers between users and businesses. Enhance the app with added features like payment tracking and notifications.

International remittance

Cater to the growing global economy, allowing users to send money across borders efficiently and cost-effectively, empowering families and businesses worldwide.

Mobile payment software

Turn smartphones into digital wallets, empowering users with contactless payments at stores, restaurants, and online retailers, eliminating the need to carry cash or credit cards.

Accelerate the release by using a pre-built payment platform

SDK.finance can save you at least a year of development time via its tried-and-true combination: cost-effective remittance app development on top of a white-label core transaction engine.

Have a team of seasoned specialists with more than 15 years of experience in fintech and payment solutions development to work on your mobile payment app utilizing the SDK.finance fintech software as a shortcut.

Money transfer app development: out of the box back-end features

E-wallets

Multiple wallets in different currencies can be created

Bill payments

Available through integrations with the vendors via API

P2P transfers

Available out of the box

International remittance

APIs for integration available

Currency exchange

Available between the user’s own accounts

Transaction notifications

Email notifications APIs
SMS notifications APIs

Currencies management

Currency and issuer creation and status management
Currency exchange rates input – manual or automated (from external feed)

White-label remittance Platform features

For your customers

Client onboarding

Accounts

Transactions

AML/Anti-fraud capabilities

Built-in CRM

User action history

Client onboarding

Self-registration via email or phone

Flexible survey and document uploading (such as identity, utility bills, etc)

KYC

- Automated (via pre-integrated vendors)

- Manual (via back-office interface)

Two-factor authentication (2FA)

Accounts

Accounts in any currency

Any digital assets: crypto, points, bonuses, etc.

Ledger for accounting and reflection in the system of any currencies or digital assets

Card issuing (via pre-integrated vendor)

IBANs (via pre-integrated vendor)

ACH (via pre-integrated vendor) (coming soon)

Transactions

Top-ups and withdrawals

Payment gateway operations (via pre-integrated vendors)

In-system transfers or payments

In-system currency exchange

External currency exchange (via pre-integrated vendors)

Payment link

QR-payments (coming soon)

Refund and chargeback (coming soon)

AML/Anti-fraud capabilities (coming soon)

Identify suspicious transactions promptly

Obtain the client’s confirmation to exclude fraud

Get a proof of income from a client to be AML-compliant

Freeze/unfreeze customer accounts if necessary

Close the case

Built-in CRM (coming soon)

All customer details and activities in one place

Communication with clients and creating notes

Chats with customers via in-system messaging service

Notes about a customer for future

User action history

Log of system activities by clients and team members

Full details: logins, sessions, actions performed

Valuable for investigation purposes

For your business revenue

Contracts and vendors

Fees and limits

Reconciliation and settlement

Operations with cash

Contracts and vendors

Vendor terms and conditions input

Creating customer contracts with different sets of commissions and limits

Let customers choose the preferred contract type (e.g. with or without monthly fees)

Fees and limits

Customizable fees for any transaction: %, flat fee, or combination of them

Configuring the fee bearer (sender or receiver)

Transaction limits (per period, amount or number of transactions)

Reconciliation and settlement (coming soon)

Company liabilities reconciliation

-Liabilities in front of your clients

-Liabilities in front of your vendors

Identifying unmatched transactions and discrepancies

Resolving the detected issues

Clear picture of your company’s gains on top of transactions

Operations with cash

Ability to account any type of cash and manage “cash-desk” operations

Why do customers entrust mobile payment software development to SDK.finance?

Faster development

We use our powerful transaction engine to build a customized solution for you. So you gain the advantage of the speed of adopting off-the-shelf software and have it adjusted, scaled, and expanded to match your payment app requirements at a much more affordable cost than designing the same customised solution from scratch.

Seamless integrations

Our platform includes 400+ API endpoints, allowing for easy integration with virtually any third-party service provider or solution. We also provide pre-configurated integrations to facilitate seamless connections with vendors specializing in payment acceptance, card issuance, and KYC compliance. More about integrations here.

Your data is yours only

Your data is yours regardless of the delivery method you choose. Our software just handles transactions and does not store any data. Furthermore, your primary database is totally under your control, whether hosted on-premises or in a private cloud, with no third-party access jeopardizing its security.

Payment app development mode

Accelarate your P2P app development with SDK.finance experts

Speed up Product deployment.
Pre-developed FinTech software.
Expert team without the hassle of hiring
Saved in-house team’s resources

Choose the suitable delivery and modifications level

The combination of pre-developed software and payment app development services gives our clients the option of having their solutions delivered and maintained in the way that is most convenient for them. They may choose between the high customizability and vendor independence of a source code license and a more cost-effective cloud-based software, managed by our in-house staff.

	Full controlBest for enterprise level businesses	Top efficiencyBest fit for startups and SMBs
Delivery	On-premise	Hybrid cloud
License	Source code	Subscription
Customizability	Unlimited	UI/UX, third party services integrations
App maintenance	A responsibility of the customer’s team	On the SDK.finance team*
Main database maintenance	A responsibility of the customer’s team	A responsibility of the customer’s team
Payment	One-time source-code license payment	Monthly payments

P2P payment app development case studies

Payment acceptance

Geidea - a leading MENA PSP revamps transaction accounting system

Examine how a MENA nation's big payment service provider Geidea in a MENA nation optimizes its main transaction accounting system by merging SDK.finance core software with its existing POS software.

Explore

Digital wallet

MPAY - a payment app with ewallet

Learn how MPAY used SDK.finance payment software to turn a network of cash-in payment kiosks into a full-scale payment app.

Explore

Reach out and get your P2P payment app built by experts

Connect with our experts and learn how our Platform aligns with your product needs.

from 2,700

Transactions per second

11+

Years on the market

470+

APIs

60+

modules

Our pre-integrated partners

P2P Payment App Development FAQs

How long does it take to develop a payment app?

The time required to develop a payment app can vary depending on the complexity of the app, the number of features required, and the development process used. In general, the development of a simple payment app can take anywhere from a few weeks to several months.

SDK.finance, as a leading payment app development company, offers pre-developed software that serves as a solid foundation for developing your payment app and helps save time in the development process.

How much does payment app development cost?

The cost of developing paid apps depends on a number of factors, including the complexity of the app, the number of features required, the expertise and experience of the development team, and the location of the development team. Typically, costs range from a few thousand dollars to hundreds of thousands of dollars or more for a more complex system.

SDK.finance offers two options for purchasing the digital wallet platform: an affordable cloud version with a subscription-based pricing model and an on-premise version that includes a source code license and is available for a one-time flat fee.

What is the process for developing a payment app?

The process for developing a payment application typically involves several phases, including requirements gathering, design, development, testing, and deployment. The development team works closely with the client to ensure that the app meets their specific needs, is user-friendly, and complies with relevant regulations and security standards.

With SDK.finance, you can skip the most time-consuming and resource-intensive part of your product development and focus on UI /UX, the necessary integrations and monetization of your mobile payment app.

How do I integrate a payment app with my existing systems?

Integrating a payment app with existing systems can be a complex process and depends on the systems in question. It may require the use of APIs, data mapping, and other integration tools.

SDK.finance platform includes more than 400 API endpoints that provide easy integration with any third-party solution. It helps to increase the time and money-saving potential of our peer payment app software and relieves developers from numerous integration-related issues.

What are the different types of payment apps available in the market?

There are several types of payment apps on the market, including peer-to-peer (P2P) payment apps, mobile wallets, point-of-sale (POS) apps, and bill payment apps. P2P payment apps allow users to send and receive money from their friends or family members, mobile wallets allow users to store multiple payment methods and make online purchases, POS apps are used to process payments at physical retail stores, and bill payment apps allow users to pay their bills from their mobile devices.

SDK.finance provides customized mobile payment and remittance solutions like P2P payment apps, money transfer apps, international remittance apps and mobile payment software.