FinTech App Development Company in Dubai
Pixbit is a fintech software development company in Dubai building payment, wallet, lending and banking apps for UAE fintechs, with CBUAE, PCI DSS and PDPL requirements designed in.
148+
Projects delivered since 201285+
Clients across UAE and abroad20+
Countries where our client apps run10+
Years building digital products
Trusted by 85+ companies
Pixbit builds the customer apps, back-office systems and integrations UAE fintechs need to launch and scale. Every product is designed around its licence, from payments and wallets to lending and investment platforms.
01
Digital Wallet Apps
Stored value wallets with top-up, peer-to-peer transfers, merchant payments and bill pay, built around the CBUAE Stored Value Facilities Regulation. Transaction limits, safeguarding reports and audit trails for regulators come built in.
02
Payment Gateway Integration
Card, Apple Pay, Google Pay and instant bank payments through UAE acquirers and gateways, with tokenisation so card data never touches your servers. That keeps PCI DSS scope small and checkout fast in Arabic and English.
03
Digital Lending Platforms
Loan origination, credit scoring, repayment schedules and collections for consumer, SME and buy now pay later products. Affordability checks, AECB credit bureau data and disclosure screens are all designed to CBUAE consumer protection rules.
04
Mobile Banking Apps
Custom mobile banking apps for UAE banks, finance companies and neobanks. Each includes UAE PASS sign-in, biometric login, card controls, Open Finance connections through Al Tareq and Arabic right-to-left interfaces that feel native to users.
05
KYC and Onboarding
Digital onboarding with Emirates ID and UAE PASS verification, liveness checks, sanctions screening and risk scoring, so customers open accounts in minutes and compliance teams keep an audit trail.
Most fintech delays in the UAE come from compliance discovered late. Pixbit maps your licence requirements before design starts and builds them into the product. We are a software company, not a law firm, so we work alongside your legal advisers and regulator.
01
CBUAE Licensing Scope
Federal Decree-Law No. 6 of 2025 brought platforms that enable payments, credit or investment inside the CBUAE licensing perimeter, and the one-year transition ended on 16 September 2026. We design around your licence or a licensed partner's.
02
Payments and Stored Value
Wallets and payment services follow the CBUAE Stored Value Facilities and Retail Payment Services regulations. We build the transaction limits, safeguarding reconciliation, reporting and audit trails these licences expect.
03
Open Finance and Al Tareq
Account data and payment initiation now run through the CBUAE Open Finance framework and its central API hub. We build the consent flows, API integrations and security controls Al Tareq participants need.
04
KYC, AML and goAML
Emirates ID and UAE PASS verification, sanctions and PEP screening, transaction monitoring and suspicious activity reporting to the UAE goAML system, with every decision logged for audit.
05
DIFC, ADGM and VARA
Products regulated by the DFSA in DIFC, the FSRA in ADGM or VARA for virtual assets follow different rulebooks. We match architecture and reporting to the regime you apply under, including sandbox and test licences.
06
Data Protection and PCI DSS
Customer data handled under the UAE Personal Data Protection Law, UAE hosting where required, and card flows tokenised to keep PCI DSS scope small, with penetration testing before launch.
White-label fintech platforms look fast on day one, but UAE regulators ask who controls the code, where customer data sits and how every transaction is traced. Custom software gives you clear answers. Pixbit builds fintech products you own outright, hosted in the UAE when CBUAE or data protection rules require it, with audit logs, maker-checker approvals and reconciliation built in. Our recent work includes a unified financial management platform for a UAE joint venture and the MyMortgage UAE platform.
Fintech Software Solutions for Every Financial Product
From consumer apps to back-office tools, Pixbit's bespoke fintech solutions cover the products UAE financial companies launch most often, each built to its regulatory requirements.
Merchant Payment Software
Merchant onboarding, settlement, refunds and dashboards for payment service providers and marketplaces in the UAE.
Accounting and Reconciliation
Automated ledgers, bank reconciliation and FTA-compliant VAT invoicing that keep finance teams closing the monthly books faster.
Investment Management Software
Portfolio tracking, order management and reporting for wealth managers and DFSA or FSRA firms.
Crowdfunding Platform Development
Real estate and equity crowdfunding platforms with investor onboarding, escrow-style fund flows and investor reporting, designed for DFSA or FSRA crowdfunding rules.
Lending App Development
Consumer and SME lending apps with instant eligibility, digital contracts, repayment reminders and collections workflows, integrated with AECB credit reports and core lending systems.
Personal Finance Apps
Budgeting, savings goals and spending insights powered by Open Finance data, with customer consent managed through the UAE Al Tareq framework.
Fintech CRM Software
Customer, lead and case management for financial sales teams, with KYC status, product holdings and complaints in one place.
Payment Gateways and APIs We Integrate in the UAE
Fintech products live or die on integrations. These are the UAE payment, identity and banking connections Pixbit builds most often, each tested in sandbox before production.
Card Acquirers and Gateways
Network International, Checkout.com, Telr, PayTabs, Amazon Payment Services and Stripe, with 3-D Secure, tokenisation, refunds and settlement reports.
Wallets and Instant Payments
Apple Pay, Google Pay and Samsung Pay, plus account-to-account payments through Aani, the UAE instant payments platform.
BNPL Providers
Tabby and Tamara checkout integrations for merchants, or your own buy now pay later engine built to CBUAE finance rules.
Identity and Onboarding
UAE PASS sign-in and signing, Emirates ID reading and liveness checks for digital onboarding that meets KYC requirements.
Core Banking and Credit Data
Connections to core banking systems, AECB credit reports and Open Finance APIs for account data, balances and payment initiation.
Payroll and E-Invoicing
WPS salary files for payroll products and UAE e-invoicing through accredited service providers for B2B finance platforms.
Benefits Of Our FinTech App Development Services
UAE fintechs choose Pixbit because one team designs, builds and prepares products for regulatory review. You get compliance-ready architecture, full source code ownership and an honest delivery plan from the first discovery session.
Compliance Built In
Audit logs, maker-checker approvals, data residency options and role-based access are designed in from the very first sprint. Your compliance team and auditors then review a system built for them, not one patched later.
Security by Design
Encryption, tokenisation, secure key storage and penetration testing before launch, following OWASP MASVS and PCI DSS practices for every payment and banking app we ship.
You Own Everything
Full source code, infrastructure access and technical documentation are handed over at launch. You are never locked into Pixbit, and your licence application can show regulators exactly who controls the technology behind your product.
Honest AI Savings
AI coding and testing tools save around 20 to 30 percent of engineering effort. We reinvest that into testing and security rather than promising cuts that weaken regulated products.
Tell us your licence type and product. Pixbit maps features, integrations and compliance in a single discovery session.
Read how Pixbit built a unified financial management platform for a UAE joint venture, from requirements to launch.
What clients say about working with Pixbit's product and engineering teams on complex software builds.
I have been partnering with Pixbit Solutions for the last 3 years, and the experience has been consistently rewarding. Their precise understanding of requirements and their ability to handle even the most urgent tasks with exceptional speed and accuracy truly stands out. Pixbit Solutions is the top choice for anyone seeking a premier app development company.
Kasra Jafroodi
Senior AssociateAn exceptionally talented team that exceeded my expectations. They attentively listen to clients and deliver exactly what’s desired, even within tight deadlines. Proved themselves the most trusted mobile app development company by clients. Strongly recommend this team..!!
Akbar Sadique
Executive DirectorIndustries
Fintech is one of the sectors we build for, alongside real estate, healthcare, education and retail.
Fintech Blogs
Practical guides on CBUAE licences, payments, BNPL, PCI DSS, UAE PASS and e-invoicing for fintech product teams.
Answers to the questions UAE founders and financial institutions ask before starting fintech software development with Pixbit.
Have an idea?
Let's scope your app
Share your product idea, licence plans and target users. Pixbit maps features, integrations and compliance, then scopes it in a single discovery session.