Fraud Alert

Fintech and Banking Software,
Built and Tested

Vervali builds payment, lending, KYC and digital banking platforms, then tests them. PCI DSS controls are designed into the build, the same team tests it, and we do not issue a PCI, FDIC or SEC certificate. Delivery is from India with a 9am to 1pm Eastern overlap.

150+ clients 450+ projects 275+ engineers 15+ years
Fintech and banking software built and tested, Vervali
ISO/IEC 17025:2017 testing laboratory accreditation mark

ISO/IEC 17025:2017Accredited testing laboratory

CMMI Maturity Level 3 process award

CMMI Maturity Level 3The process is written down and repeats

ISO 9001:2015 quality management certification mark

ISO 9001:2015Quality management

ISO/IEC 27001 information security certification mark

ISO/IEC 27001Information security

Payments, Lending, KYC and Digital Banking, Built and Tested

Banking software where the controls are designed in, then tested by the same team.

Payments and Settlement

Capture, retry, reverse and the ledger that has to agree. A payment that looks captured while settlement never posted is not a Jira ticket.

Lending and Origination

Application to disbursal, document generation and the rule a borrower actually accepted. A rate that moved overnight without a spec is an audit miss.

KYC and Onboarding

Identity vendors, the slow timeout and the applicant who already started on a phone. A timeout that looks like a pass is the usual miss.

Mobile Banking

Session handling, the offline case, push tied to a payment and deep links from email. Device coverage is on mobile application testing.

PCI DSS in the Build

Card data handling, access control, audit logs and encryption designed in rather than bolted on. Method is on fintech compliance.

Cores and Processors

Core systems and payment processors are in scope when they are the path money already uses. A takeover of a prior vendor is named up front.

Need banking software built with the controls a review will ask for?

Free Gap Check

Build Here, Test the Sector Pack Next Door

The product build sits here. These are the neighbouring pages.

The Sector Testing Pack

Banking journeys, PCI DSS controls and load that matches salary day or month end, tested by a separate pack. See fintech and banking.

Control-by-Control Method

Testing against the controls a bank risk team will ask for, with a dated evidence pack a reviewer can read. See fintech compliance.

Wider Product Work

Custom software beyond banking, built to the same standard by the same engineering team. See custom software development.

The APIs Behind It

The APIs payments and onboarding depend on, built with contract and security tests that ship with them. See API development.

PCI DSS, SOC 2 Readiness and Evidence

What is built and tested, and what a bank risk team will ask to see.

PCI DSS Where Card Data Moves

The card data you touch and what is tokenised, built in and tested, with access control and audit logging in place.

Data Protection and Evidence

Data protection and the controls evidence a bank risk team will ask for, produced as the build runs.

Attack Work, Scoped Separately

Application and API attack testing runs on agreed in-scope assets. See security testing and penetration testing.

Controls Tested, Evidence You Can Use

We test your PCI DSS controls and the FDIC or SEC rules named in your quote, and hand you evidence your risk team can read. The same testing supports your SOC 2 readiness. Vervali holds ISO/IEC 27001 and builds and operates on AWS and Azure.

Know the product and the core you run? A banking lead can scope the build.

Book a Call

Proof From Delivery, Banking Software That Had to Work

Three engagements, sector and country only. They show Vervali has built and tested financial systems at that scale.

India · two leading private-sector banks

Loan processing and agent onboarding were too slow for the compliance required. Vervali built and tested the paths from application to disbursal and the onboarding that puts an agent on the floor. After: 60% faster loan processing, 50% less agent onboarding time and 100% compliance on the controls named.

60% faster loan processing 50% less agent onboarding time 100% compliance

UAE · small-business finance platform · mobile and web

A platform for receivables, payables, transaction tracking and reminders in real time, built with manual and automated testing. After: 98% user satisfaction, 40% less testing time, 100% compliance with UAE rules and 35% better transaction processing efficiency.

98% user satisfaction 40% less testing time 35% better processing efficiency

New Zealand · retail bank · core banking migration

A core banking migration from legacy systems to a modern platform, with secure data migration and API design. After: legacy systems integrated with no data loss, 30% better customer engagement and satisfaction, and 40% lower operating costs.

no data loss in migration 30% better engagement 40% lower operating costs

How an Engagement Starts

From one flow to a build that keeps pace with your releases, 9am to 1pm Eastern with delivery from India.

  • 01

    Share the Product

    Tell us the products in play (payments, lending, KYC, mobile banking), the core and the processors on the path, with access under NDA.

  • 02

    Get the Build Plan

    A first assessment is quoted after that look: the build, the controls in scope and the load shapes that apply.

  • 03

    Start With One Flow

    A free gap check on one flow is the first look. We do not copy production customer records into a test environment.

  • 04

    Build, Test and Keep It Current

    The same team builds and tests, and the pack stays current as rules, vendors and releases change.

One flow, one gap check

Put Your Banking Software on Solid Ground

ISO/IEC 17025:2017 · CMMI Level 3 · 275+ engineers · 9am to 1pm Eastern

Frequently Asked Questions

Yes. Cores, payment processors and identity vendors are in the quote when they are the path money already uses. A takeover of a prior vendor is named up front. Testing of those integrations is on API testing services, and a free gap check shows where to start.

We do not sell a named gateway as the default. Processor integrations are in scope when they are on the path, and we test PCI DSS controls where card data moves without issuing a PCI certificate. Attack work is scoped separately on security testing.

Yes, when those currencies and countries are in the quote. Settlement windows, FX rounding and a statement that no longer matches the screen are where this fails. We have delivered banking work in India, the UAE and New Zealand. Named countries and rules are agreed in the quote.

It follows products, cores, whether KYC is in scope and how much already exists, so we do not publish a fixed band. The quote names the timeline after a free gap check on one flow. Testing sits in the same team, which shortens the loop between a fail and a fix.

Yes, when the load shape is modelled from your own volumes, not a round number of virtual users. Salary day, month end and a campaign are different shapes, and each is tested on its own. We do not quote a concurrent-user figure we cannot evidence. See performance testing.

Yes, when a retainer is in the quote. Ongoing releases are on software maintenance and support. Coverage is 9am to 1pm Eastern with delivery from India. A one-off build with no retainer is named that way, and a free gap check shows what ongoing support would involve.

We test PCI DSS where card data moves, access control, audit logging and the controls a bank risk team will ask for. FDIC, SEC and similar rules are named in the quote as tests, and we do not issue a certificate. See fintech compliance.

Most engagements land at $25 to $49 an hour blended. Price follows products, cores, KYC, load and whether PCI DSS testing sits in the same week. A free gap check on one flow shows the surface before anyone writes a quote.
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