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Embedded finance is sort of changing how companies deliver financial services, cause it brings payments, banking features, lending tools, and other money-related capabilities straight into products that are not really financial. In practice, this can help businesses make customer journeys smoother, and also opens up new ways to earn revenue.That said, building embedded finance solutions needs more than regular software development know-how. It takes people who understand FinTech systems, secure data handling, API integrations, cloud setup, compliance obligations, and architectures that can actually grow with demand.To make this list of the top FinTech development companies for embedded finance, we dug through publicly available info from official company pages, industry directories, and review places like Clutch. We judged each company by its FinTech know-how, embedded finance experience, technical depth, security habits, certifications, overall recognition, and what customers said in their feedback.We additionally checked company profiles to keep details aligned, like founding years, main offices, pricing models, the industries they serve, and the client review history. The companies shown here were picked for their capability to help teams create secure, scalable financial products without cutting corners.Top 9 FinTech Development Companies for Embedded Finance:CleveroadNetguruRelevant SoftwareItransitionOxagileSimformAndersenDroids On RoidsMerixstudio1.) Cleveroad:Founded in: 2011 Headquarters: New York, United States Hourly Rate: $25 to $49 Industry Expertise: FinTech, healthcare, logistics, retail, enterprise software Reviews: 79 reviews on Clutch, average rating 4.9/5Cleveroad is basically a software development company that helps businesses put together tailored FinTech solutions, like platforms with embedded finance features. They work on digital products with payment integrations and also handle financial workflows, secure data processing, and then scalable backend systems, you know, the usual important stuff.The team has a solid background in API integrations, cloud technologies, mobile as well as web applications, and enterprise software architectures. With those skills, Cleveroad can assist companies in weaving financial services into what they already have, or alternatively build new FinTech platforms from scratch. Either way, it tends to work out.Cleveroad is an ISO-certified organization; they hold ISO 9001 quality management and ISO 27001 information security certifications. These frameworks back up their emphasis on dependable development routines and safe software delivery, which really matters when a product touches financial information, period.2.) Netguru:Founded in: 2008 Headquarters: Poznań, Poland Hourly Rate: $50 to $99 Industry Expertise: FinTech, banking, insurance, healthcare, retail Reviews: 70+ reviews on Clutch, average rating around 4.8/5Netguru builds a bunch of digital finance stuff, like banking apps, payment solutions, and also those platforms that have embedded finance features built in. In practice, they kind of blend product strategy with UX design and then software engineering, so organizations can get those smoother digital journeys that just feel connected, not patched together.On the technical side, there’s mobile and web development, cloud solutions, API integrations, plus automation too. These skills help businesses add financial services right into their customer journeys without making it feel like a separate detour.Netguru also has experience partnering with companies in different industries, and they tend to focus on scalable digital products that boost access and make financial services more usable.3.) Relevant Software:Founded in: 2013 Headquarters: Kharkiv, Ukraine Hourly Rate: $25 to $49 Industry Expertise: FinTech, healthcare, logistics, retail, enterprise software Reviews: 60+ reviews on Clutch, average rating around 4.9/5Relevant Software focuses on custom software creation for organizations that want secure and scalable digital products, you know, that kind of thing. The company designs FinTech apps, payment systems, and other software offerings that typically need integration with outside financial services.From there, the know-how covers server-side engineering, cloud engineering stuff, API connections, and also mobile app development. Because of this, businesses can build embedded finance solutions, where payments, financial instruments, and even automated workflows get woven into the platforms they already use.Relevant Software partners with both early-stage teams and larger companies, helping with projects that call for newer architectures, careful data governance, and flexible software approaches.4.) Itransition:Founded in: 1998 Headquarters: Denver, United States Hourly Rate: $25 to $49 Industry Expertise: FinTech, healthcare, retail, manufacturing, enterprise software Reviews: 30+ reviews on Clutch, average rating around 4.8/5Itransition delivers custom software development and digital transformation services for orgs trying to build tangled technology solutions, you know the kind. The firm has a track record of developing financial platforms, doing integrations, and enterprise systems that actually back embedded finance models.Their FinTech know-how covers payment solutions, financial analytics platforms, cloud-based applications, plus modernization work for older systems. In other words, Itransition helps companies link financial functionality into the software ecosystem they already have, all while keeping scalability and security in mind.And since there are decades of software engineering experience behind them, the team supports organizations that need dependable solutions for complicated business processes.5.) Oxagile:Founded in: 2005 Headquarters: New York, United States Hourly Rate: $50 to $99 Industry Expertise: FinTech, healthcare, media, education, enterprise software Reviews: 20+ reviews on Clutch, average rating around 4.9/5Oxagile builds custom software platforms for companies that need advanced integrations and scalable designs, you know, the kind that can actually grow with them. The team works on FinTech initiatives too, with secure software, cloud infrastructure, and solutions that are driven by data, not guesswork.What they bring technically is a mix of API integration work, cloud development, artificial intelligence, and data engineering. Altogether, this helps organizations craft embedded finance products where the financial part just runs smoothly inside wider digital environments. It belongs there.Oxagile tends to focus on dependable software delivery for businesses that really want solid engineering know-how and complicated system integrations.6.) Simform:Founded in: 2010 Headquarters: Orlando, United States Hourly Rate: $25 to $49 Industry Expertise: FinTech, healthcare, retail, logistics, SaaS Reviews: 80+ reviews on Clutch, average rating around 4.8/5Simform is a digital engineering firm that builds tailor-made software solutions, like FinTech platforms, and products that have embedded financial functionality in them. The gist is that Simform helps organizations bring payment features to life, they automate financial workflows, and they build scalable digital ecosystems that can actually grow with demand.What stands out is their technical know-how, spanning cloud engineering, mobile, web development, API integrations, DevOps, artificial intelligence, and data engineering. With these strengths, Simform can put financial services inside the existing customer journeys without making things feel bolted on or out of place.They usually team up with startups as well as enterprises, across a mix of industries. And in practice, they assist clients in modernizing their technology foundation, plus crafting safe software products that aim to support long-term growth.7.) Andersen:Founded in: 2007 Headquarters: Warsaw, Poland Hourly Rate: $25 to $49 Industry Expertise: FinTech, healthcare, logistics, retail, telecommunications Reviews: 50+ reviews on Clutch, average rating around 4.9/5Andersen is a software development company that makes secure digital solutions for businesses across various industries, especially in financial services. The firm builds FinTech applications, payment platforms, banking software, and also enterprise systems that can fit embedded finance scenarios, more or less.Their engineering work covers backend development, mobile applications, cloud technologies, cybersecurity practices, and complicated system integrations. With this kind of know-how, organizations can launch dependable financial products, the ones that truly need protected data processing and high availability, all at once.Andersen also has experience with companies looking for scalable software solutions. It supports initiatives that call for current architectures, the connection with third-party services, and development processes that are compliance-oriented.8.) Droids On Roids:Founded in: 2011 Headquarters: Wrocław, Poland Hourly Rate: $50 to $99 Industry Expertise: FinTech, healthcare, retail, IoT, mobile applications Reviews: 30+ reviews on Clutch, average rating around 4.9/5Droids On Roids seems to specialize in mobile product development and, yeah, helps businesses put together applications that come with integrated financial features. The way they work is mostly about secure mobile experiences, backend systems, and API connections, which really back modern digital products up.They do a lot of native mobile development stuff, cross-platform applications too, plus backend engineering and those integrations with external services. This is especially useful for embedded finance solutions where payments and other financial tools should run smoothly inside the mobile environment, without that annoying friction.Also, they emphasize making user-friendly digital products, with a strong eye on performance, overall reliability, and, honestly, a seamless user experience, end to end.9.) Merixstudio:Founded in: 1999 Headquarters: Poznań, Poland Hourly Rate: $50 to $99 Industry Expertise: FinTech, healthcare, education, retail, SaaS Reviews: 40+ reviews on Clutch, average rating around 4.9/5Merixstudio is, like, a software development company that crafts bespoke digital products. They build FinTech platforms and also applications that have embedded finance capabilities in them. Basically, the team supports businesses in making scalable solutions, where financial functionality is blended with the bigger digital experience.Their know-how covers product design, web development, mobile engineering, cloud solutions, and API based integrations. With these skills in place, companies can either attach financial features to what they already have or they can build a brand new product, with built-in payment and other financial services.So in short, Merixstudio mixes software engineering know-how with product design ability to help organizations ship secure, scalable, and more user-centered digital solutions.Final Thoughts:Embedded finance keeps opening fresh opportunities for businesses that want to provide financial services right in their own products. But honestly, pulling it off the right way needs a technology partner with some real experience in secure integrations, scalable architectures, and FinTech-focused development.The companies shown in this list have a background in building digital solutions that actually power financial capabilities, from payment integrations all the way to full-on financial platforms. Before you pick a development partner, you should really check their technical know-how, how well they handle security practices, how deep their industry experience goes, and whether they can back the next phase of product growth.About the Author:Yuliya Melnik is a technical writer at Cleveroad, a web and mobile application development company. She writes about software development, emerging technologies, and digital transformation, covering topics such as FinTech, embedded finance, and fintech solutions software development company.Find Me On LinkedIn