A dedicated engineering team for wallets and payment systems
In fintech, a mistake is not measured by one customer complaint but by lost trust. A delayed settlement, a gap in how card data is stored, or a product that misses a regulator's requirement can halt your entire business. And this sector in particular does not know the word "finished": regulatory requirements evolve, bank interfaces change, settlement cycles get revised, and fraud patterns reinvent themselves every month. A financial product built once and left without a team quietly turns into a liability.
So we do not sell a project that ends. Kader gives you an engineering team that understands financial-product economics: settlement, reconciliation, cost per transaction, and failure rates. The engineers are employed and supervised by Kader and work from our engineering center in Amman, under an MSA and SOW, on a weekly sprint with a demo and a report of what shipped and what is next. Have a system running that needs changes and integrations? Kader Hours. A continuous roadmap? Kader Squads. A full engineering department behind your product? Kader Offshore.
Challenges we solve
Complex regulatory compliance
SAMA requirements and payment-data protection standards are not optional, and misreading them is costly. We design the system from the start with audit logs, role-based access, and secure data storage that make regulatory review straightforward. And those requirements do not stand still, so tracking them and updating the system with them is continuous work that needs a team who knows your product.
Security and protecting funds
Financial products are a constant target for fraud and breaches. We apply encryption, multi-factor authentication, suspicious-activity detection, and least-privilege access. But fraud evolves faster than any handover: detection rules need continuous review and adjustment against what actually shows up in your transactions.
Hard integration with banks and payment providers
Bank APIs, mada, and instant transfer each have their own rules and settlement cycles. We build a reliable integration layer that handles failures, settlement, and financial reconciliation without leaving a transaction stuck. And integration is not a one-off event: every provider updates its interface without asking you, and a standing team is what keeps them connected.
What we build for Fintech
- A digital wallet and payment app with top-up, transfer, and a clear transaction history, evolved with every new requirement
- Payment gateways and integration with mada, banks, payment providers, and instant transfer systems, and their upkeep when any provider changes its interface
- Security and compliance architecture: encryption, multi-factor authentication, audit logs, and access control, with periodic review that does not stop
- Settlement and financial reconciliation engines with precise, audit-ready reporting
- Fraud detection and transaction monitoring dashboards, with rules tuned to what shows up in your data rather than to an assumption
Related services
Frequently asked questions
Do you guarantee the product complies with SAMA requirements?+
We build the technical foundation with SAMA requirements and payment-data protection standards in mind, using audit logs and access control. Regulatory compliance and licensing rest with your company and its legal advisors; our part is building and maintaining the foundation that serves it. And because those requirements evolve, tracking them and updating the system with them is continuous work owned by the team assigned to your account.
Do you integrate with mada and local banks?+
Yes. We build an integration layer that handles mada, banks, payment providers, and instant transfer systems, and manages settlement and financial reconciliation so no transaction is left stuck. And we stay afterwards: these integrations break when any provider updates its interface or when you switch vendors, and keeping them working is continuous work.
Why a standing team instead of a project to build the product?+
Because a financial product starts working on launch day, it does not finish. Regulatory requirements, bank interfaces, settlement cycles, and fraud patterns all change, and every one of those changes is engineering work. If your system runs and needs changes and integrations, Kader Hours is enough; if you have a continuous roadmap, Kader Squads; and if you are building a full engineering department, Kader Offshore. Get in touch and we will work out which fits.