AI & software development services we provide for fintech
The payments and fintech sector demands hardware that is tamper-resistant, low-latency, and certified to rigorous security standards. UpNext delivers production-grade software and AI & Python engineering for payment terminals, ATMs, crypto hardware wallets, and biometric systems. Our engineers combine software C/C++, secure element integration, and real-time OS expertise to build financial hardware that passes PCI-PTS, EMVCo, and FIPS 140-2 certification.
Payment Terminal Firmware
POS terminals and mPOS readers demand rock-solid software with EMV, NFC, and contactless support. We develop PCI-compliant software in C/C++ for payment hardware, integrating secure bootloaders, encrypted key storage, and remote OTA update systems.
ATM & Kiosk Software
ATM and self-service kiosk platforms require high-availability AI & Python software with robust error handling. We engineer Python frameworks-based ATM control software, XFS middleware integrations, and secure remote management agents for fleet operators.
Crypto Hardware Wallet Development
Hardware wallets demand meticulous software security. We design and develop software for secure microcontrollers, implementing key generation, BIP-32/39/44 standards, display drivers, and secure communication protocols for crypto custody devices.
Biometric Authentication Devices
Fingerprint readers, iris scanners, and facial recognition modules for banking authentication require precision software. We build sensor drivers, template matching algorithms, and ISO/IEC 19794-compliant biometric systems for financial security hardware.
IoT-Connected Financial Hardware
Smart ATMs, connected card readers, and IoT-enabled branch equipment need secure cloud connectivity. We build MQTT/HTTPS device agents, certificate-based provisioning, and encrypted telemetry pipelines for connected financial devices.
Secure Element & HSM Integration
Financial hardware requires tamper-resistant secure elements and HSMs for key management. We integrate SE050, ATECC608, and nShield HSMs into payment devices, implementing cryptographic APIs and secure key lifecycle management.
Software Linux for Fintech Platforms
Payment kiosks and fintech gateways often run software Linux. We build custom Yocto/Buildroot images for ARM-based fintech hardware, hardened with SELinux policies, LUKS disk encryption, and minimal attack-surface configurations.
Fintech Backend & API Development
Hardware needs a backend. We build Django and FastAPI transaction processing services, device management APIs, and real-time fraud detection backends that complement your cloud infrastructure deployments.
A confidential fintech client partnered with UpNext to redesign their next-generation mPOS terminal software. Our engineers delivered PCI-PTS certified software with NFC, EMV, and contactless support in 14 weeks, enabling the client to launch in three new markets simultaneously. Read the full case study →
Benefits of custom software fintech solutions
1. Certified Security
Custom software lets you design security from the ground up — secure boot chains, encrypted key storage, and hardware-backed attestation — enabling PCI-PTS and FIPS 140-2 certification without legacy constraints.
2. Reduced BOM Cost
Purpose-built software runs on lower-cost MCUs, letting you right-size your bill of materials. Off-the-shelf OS platforms often force oversized hardware; custom software code gives you precise resource control.
3. Full IP Ownership
You own every line of software, every protocol stack, and every device management agent we write. No vendor lock-in, no royalties, no dependency on a third party's roadmap.
4. Faster Certification
Our engineers have shipped PCI-compliant and EMVCo-certified hardware. We understand the certification process and structure our development milestones to align with lab testing cycles, reducing time-to-certification.
5. Long-term Maintainability
Financial hardware has a 7–10 year field life. We write clean, documented, unit-tested software code with clear abstraction layers so your team can maintain and extend the platform for years without rewriting from scratch.
Which fintech operators benefit from custom AI & Python development?
A wide range of fintech and payment hardware companies benefit from UpNext's AI & Python engineering services. Examples include:
Payment Hardware OEMs
POS terminal and mPOS manufacturers need specialized software teams. We act as an AI & Python engineering extension, handling BSP bring-up, peripheral drivers, and EMV certification for your hardware platform.
Neobanks & Digital Lenders
ATM & Kiosk Operators
Crypto Custodians
Payment Processors
InsurTech & WealthTech Firms
Healthcare Fintech Platforms
BNPL & Retail Fintech
Central Bank Digital Currency (CBDC) Projects
Regulatory Sandbox Participants
Our process.
Simple, seamless,
streamlined.
Technical Discovery
We audit your hardware BOM, security requirements, and certification targets. Our software architects define the software architecture, Python frameworks selection, and BSP strategy before a single line of code is written.
Firmware Development & Integration
We build in two-week software sprints with continuous integration on target hardware. Driver development, protocol stack integration, and security hardening happen in parallel with your hardware team's board bring-up.
Certification & Production Launch
We prepare your software for PCI, EMVCo, or FIPS lab testing, fix certification findings, and support production software signing and key injection for your manufacturing line.
