Fintech Software Development Company in Dublin, built to ship.

Money is not a float and a balance is not a column

Amounts are integers in minor units, and a balance is derived from an append-only ledger rather than stored and updated. Mutating a balance directly is the bug that produces money from nowhere under concurrency, and it is very hard to find afterwards because the audit trail is the thing you skipped.

Reconciliation is a daily product feature

Your ledger and the processor's settlement file will disagree, and the disagreement is normal: timing, fees, reversals, currency rounding. What matters is that a person can see the difference each morning and resolve it, which means reconciliation is a screen someone uses, not a script nobody runs.

Idempotency at every money-moving boundary

Networks retry. Users double-tap. Without an idempotency key on the payment intent, one intent becomes two charges, and the customer finds out before you do. Every write that moves value needs a key and a stored result for that key.

KYC and AML shape the data model, not just the signup flow

Verification state, document expiry, sanctions screening outcome and the reason for a decision all have to be modelled and retained, because a regulator will ask why a specific customer was approved in a specific month.

Working overlap

3.5 hours a day

Five and a half hours behind Surat in winter. The shared window is our afternoon, their morning.

The law that applies

the GDPR, supervised by the Irish Data Protection Commission

Because so many US technology companies hold their EU establishment in Ireland, the DPC is the lead supervisory authority for a disproportionate share of Europe. Clients here are used to a level of data governance scrutiny that is unusual for a market this size, and they will expect a supplier to match it.

How buying works here

Dublin's software buying is shaped by the multinational presence: many clients are the European arm of a US company, which means the decision is local but the standards are set in another timezone.

Procurement

Contract terms often inherited from a US parent. Expect their paper rather than ours.

Payments

SEPA and euro throughout, with Revolut holding unusually high penetration for a challenger bank, so account-to-account expectations run ahead of most of the eurozone. Card-only checkout reads as dated here in a way it does not in, say, Germany.