Lisbon, Portugal +351 912 706 563 ask@paydevops.com
Fintech Engineering & Operations

FROM CORE LEDGER TO LIVE RAILS

WE ENGINEER
REGULATED FINANCE

Software development, accounting consultancy, and operations support for banks, EMIs, and payment institutions — from the team that designs and builds Bancorix.

What We Do

Three areas of deep expertise, delivered by engineers who have worked inside financial institutions.

Software Development

We develop software and integration services for any banking system.

Software Development

We build cloud-native banking software end to end — core accounting, payment-rail connectivity (SEPA, UK schemes, SWIFT with ISO 20022 generated in-house), and provider integrations — and re-engineer existing solutions for the cloud.

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Accounting Consultancy

We help companies with guidance on how to start FI/EMI accounting from scratch.

Accounting Consultancy

We help companies with guidance on how to start FI/EMI accounting from scratch, how to use core banking and accounting software for proper future reporting for authorities.

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Operations & Support

We can onboard your products to our support services.

Operations & Support

We can onboard your products to our support services. We will take care of your employees and/or customers — ensuring reliable, continuous operations.

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Our Products

We build the infrastructure we consult on. Bancorix is our flagship platform — production-ready core banking for regulated businesses.

B
Bancorix
The operating system for regulated financial services

Bancorix gives FinTech startups, EMIs, MSBs, and regulated financial groups one cloud-native core — general ledger, payment rails, KYC onboarding, compliance workflows, and a customer application — where each entity operates under its own license on a shared platform. Designed for FCA, CASS, AML/KYC, and IFRS from day one; payment connectivity verified end-to-end against provider sandboxes.

Double-Entry General Ledger
393-account FCA-aligned Chart of Accounts, 98+ transaction types, 155+ currencies, nightly FX revaluation, period close.
Multi-Rail Payments
SEPA SCT & Instant, TARGET2, UK Faster Payments & CHAPS, direct SWIFT on own BIC — one canonical payment document with VoP/CoP verification gates.
KYC Onboarding & Customer App
Provider-neutral identity verification with hands-free self-service signup, plus a decoupled customer web application with payments and payee verification.
Workflow-Driven Compliance
15+ pre-built workflows; every state change and GL posting flows through the auditable workflow engine — designed visually in the built-in Workflow Studio.
Multi-Tenant SaaS
Database-enforced row-level security. License type is a tenant attribute. New tenant provisioned in under 1 minute.
Operations Console
Back-office BFF with 260+ endpoints — schema-driven forms, Schema & Workflow Studios, reconciliation queues, integration administration.

Why We Are Different

We know banking from the inside. Our experts have decades of combined experience in finance and software engineering.

Banking from the inside

Our team has worked inside financial institutions — not just consulting from the outside. We understand regulatory constraints, audit requirements, and operational realities.

Engineers who speak finance

We combine deep technical capability with FI/EMI domain knowledge. We do not need to be taught the context before we start — we already know it.

Compliance by design

Regulatory requirements are not an afterthought. We build FCA, AML/KYC, CASS, and IFRS considerations into architecture decisions from day one.

EU-based, globally experienced

Headquartered in Lisbon, Portugal — an EU fintech hub. Our team has operated across UK, EU, and international financial markets.

3
Service Areas
Software, Consultancy, Operations
12
Platform Modules
in Bancorix — production-ready
3
Payment Rails
SEPA · UK · SWIFT
EU
Regulated Environment
Lisbon, Portugal — EU jurisdiction

Quick Contact

Don't waste your time — just let us know and we'll help your company grow.

Location
Lisbon, Portugal

Ready to start?

Whether you need software development, accounting consultancy, or want to evaluate Bancorix for your organisation — reach out and we will respond promptly.