solution
eWallet App Development .
iSkylar builds eWallet and digital payment applications for iOS, Android, and web, covering peer-to-peer transfers, merchant payments, multi-currency wallets, loyalty integration, and the compliance infrastructure that regulated financial products demand. With 15+ years of fintech delivery and PCI-DSS-aware architecture on every engagement, we are the development partner that payment startups and financial products choose when the stakes are too high for a generalist agency.
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What We Build
Peer-to-Peer (P2P) Payment Wallets
Send and receive money instantly between users, real-time balance updates, transaction history, split-bill functionality, and request-payment flows built to the UX standards that consumer fintech apps are measured against.
Merchant Payment and QR Code Wallets
In-store and online merchant payment flows, QR code generation and scanning, NFC tap-to-pay integration, payment link generation, and merchant dashboard with settlement reports and reconciliation tools.
Multi-Currency and Cross-Border Wallets
Hold, convert, and transfer across multiple currencies with live exchange rate integration, low-FX-fee routing, and IBAN or virtual account number issuance for markets that require it.
Prepaid Card and Virtual Card Integration
Link your eWallet to physical or virtual Visa/Mastercard cards via BIN sponsorship programmes, enabling wallet balances to be spent anywhere cards are accepted, online and in-store.
Loyalty, Rewards and Cashback Wallets
Wallet products that double as loyalty platforms, points accumulation, cashback on transactions, reward redemption at checkout, and branded loyalty card integration for retail and hospitality clients.
Business and Corporate Wallets
Multi-user business wallets with role-based access, spend controls, bulk payment disbursement, expense categorisation, and accounting system integration, built for SMBs, platforms, and enterprise treasury use cases.
AI-POWEREDLearn how we work
Delivered faster with AI tooling
We don't just write code; we orchestrate intelligence. By integrating Copilot-assisted generation and AI-driven automated testing, we reduce time-to-market by up to 40%.
Copilot-Assisted Generation
LLM-backed development to eliminate boilerplate delays.
AI Predictive Testing
Anticipating edge cases before they enter production.
ENGINEERED FOR PERFORMANCE
The iSkylar Tech Stack
Swift (iOS)
Kotlin (Android)
Flutter
React Native
Node.js
Python
PostgreSQL
Redis
Stripe Connect
Plaid
Twilio (OTP)
AWS KMS (encryption)
PCI-DSS compliant architecture
Biometric Auth (Face ID / Touch ID / Fingerprint)
Firebase
Our Development Journey
A streamlined, transparent path from vision to launch.
01
Discovery and Compliance Scoping
1–2 weeks
We map your wallet use case, target markets, regulatory obligations (FCA, RBI, DFSA, FinCEN, PSD2), payment infrastructure partners, and KYC/AML requirements, and produce an architecture and compliance framework before any development begins.
02
UI/UX Design
2–3 weeks
High-fidelity designs for every wallet screen, onboarding and KYC flows, home dashboard, send/receive flows, transaction history, and merchant payment screens. Designed for trust as much as usability, because users make split-second decisions about whether to trust a financial app.
03
Backend and Payment Infrastructure
4–10 weeks
Wallet engine, ledger design, payment gateway integration, KYC/AML provider connection, notification service, and the API layer your mobile clients consume, built with double-entry accounting principles and a full audit trail from day one.
04
Mobile and Web App Development
4–12 weeks
Native iOS and Android apps or Flutter/React Native cross-platform, biometric authentication, real-time balance updates via WebSockets, push notifications for every transaction, and deep-link payment handling.
05
Security Audit and Penetration Testing
1–2 weeks
Independent security review covering OWASP Mobile Top 10, API authentication, token handling, data encryption at rest and in transit, and transaction tampering scenarios. Pen test report delivered before any production deployment.
06
Launch, Compliance Handover and Support
Ongoing
Production deployment, app store submission, fraud monitoring setup, regulatory reporting templates configured, and 3 months of post-launch support covering incident response, performance monitoring, and feature iteration.
Our Proven Track Record
IMPACTMETRICS
PAYMENT APPS DELIVERED
25+
eWallet and digital payment applications delivered across consumer, B2B, and merchant payment categories
UPTIME
99.99%
Transaction processing uptime maintained across production eWallet platforms iSkylar has built
ONBOARDING CONVERSION
52%
Improvement in KYC onboarding conversion rate after redesigning a fintech client verification flow from 7 steps to 3
TRANSFER SPEED
under 3 seconds
Average time from fund initiation to recipient wallet credit on P2P transfer flows built on real-time payment rails
INDUSTRY APPLICATIONS
Across Every Industry
See how eWallet App Development solves real problems across sectors.
01
Consumer Fintech
Multi-currency eWallet for an international money transfer startup
Launched to 50,000 users across 4 markets in 18 weeks
02
B2B Payments
Corporate wallet with bulk disbursement for a gig economy platform
Processing $10M+ monthly across 5,000 contractor payouts
03
Retail Loyalty
Cashback and loyalty wallet integrated with a retail POS network
28% increase in repeat purchase frequency within 90 days of launch
04
Emerging Markets
Mobile wallet for unbanked users in a Sub-Saharan Africa market
500,000 registered wallets within 6 months of launch
Flexible Engagement
Partnership structures tailored to your scale and velocity.
eWallet MVP
Core wallet functionality, user registration with KYC, wallet balance, P2P transfers, transaction history, and push notifications, shipped to iOS and Android.
- Defined Scope
- Fixed Budget
POPULAR
Full eWallet Platform
End-to-end delivery, wallet engine, ledger, payment gateway integration, KYC/AML, mobile apps, web dashboard, security audit, compliance documentation, app store submission, and 3 months of post-launch support.
- Full Integration
- Infinite Scalability
Dedicated Fintech Team
A dedicated squad of mobile engineers, backend developers, and a security specialist on a monthly retainer, building new features, managing compliance updates, and scaling your payment infrastructure.
- Defined Scope
- Fixed Budget
"
"iSkylar transformed our legacy banking app into a modern, lightning-fast experience. Their AI-driven approach saved us months in engineering time."
JD
James Donovan
CTO, GlobalFin
"
"The level of technical precision and UI craftsmanship is unmatched. They don't just build apps; they build business advantages."
SL
Sarah Lin
Product Head, LuxeRetail
Frequently Asked Questions
Why choose iSkylar for eWallet development over a generalist agency?+
eWallet development requires double-entry ledger architecture, PCI-DSS-aware data handling, real-time payment rail integration, KYC/AML provider connectivity, biometric security, and regulatory compliance knowledge that most agencies do not have. iSkylar has delivered 25+ fintech and payment applications, our team understands the edge cases, the compliance obligations, and the security standards that determine whether a financial product succeeds or gets shut down.
What payment infrastructure do you integrate with?+
We integrate with Stripe Connect, Stripe Issuing, Plaid, Razorpay, PayU, Rapyd, Modulr, ClearBank, Visa and Mastercard BIN sponsor programmes, UPI (India), and open banking APIs under PSD2.
How do you handle KYC and AML compliance?+
We integrate with leading KYC/AML providers, Onfido, Jumio, Sumsub, and Persona, for identity document verification, liveness checks, and sanctions screening. We also implement transaction monitoring rules and suspicious activity reporting workflows.
How do you keep user funds and data secure?+
AES-256 encryption at rest and TLS 1.3 in transit, AWS KMS for encryption key management, biometric authentication, tokenised card and account data, role-based access controls on all admin systems, and an independent penetration test before production launch.
Who owns the source code and infrastructure?+
You own everything. We provision all infrastructure in your own cloud accounts and transfer full repository access and credentials at project close.
Ready to build your breakthrough?
Contact us today for a technical consultation and a detailed project estimate.
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