Card programs & virtual cards
Issuing integrations, card lifecycle management, authorizations and spend controls.
Fintech & payments engineering
Software development for companies that move money.
SaiFI Consulting builds and extends payments, card and rewards platforms for fintech companies — engineers who understand settlement, reconciliation and compliance, led from the US and backed by offshore engineering partners.
Fintech capabilities
B2B payments
Payables and receivables flows, payment orchestration and partner integrations.
Ledgers & reconciliation
Accurate ledgers, settlement matching and exception handling that finance teams can trust.
Rewards & card-linked offers
Offer engines, rewards tracking and partner integrations for loyalty programs.
APIs & integrations
Well-documented APIs and integrations with processors, banks and third-party platforms.
Compliance-aware architecture
Designs that respect PCI DSS scope, data privacy and audit requirements from day one.
How we work with fintech teams
- 01
Understand the money flow
We map how funds, data and responsibilities move before writing code.
- 02
Build in small, safe releases
Feature flags, automated tests and reviews keep production stable while you ship.
- 03
Test the edge cases
Reversals, partial captures, time zones and retries — the cases that cause real losses.
- 04
Hand over cleanly
Documentation and readable code your own team can own after we leave.
Add AI to your payments platform
Our AI development practice applies AI to fintech problems: reconciliation assistants, document extraction from statements and invoices, and anomaly signals for risk teams.
Building in payments or fintech? Let's talk.
Tell us what you're working on. We reply within one business day.