Canton, Michigan • Metro Detroit • Nationwide
Financial Software that’s secure, auditable, and built to last
We design and deliver production-grade fintech systems—payments, lending, reporting, and data pipelines—with security and compliance patterns baked in from day one.
Overview
Build the rails behind modern finance
From payment orchestration and KYC/AML workflows to lending engines and reconciliation, we ship dependable systems that operators can trust and auditors can verify. Our stack: modern PHP (Laravel), Python (FastAPI), and JavaScript (React/Node) running on AWS with CI/CD and observability.
We integrate with processors, banks, data vendors, and core systems—and add AI/RAG for fraud review assistance, document extraction, and analyst copilots where it truly increases accuracy and speed.
Capabilities
What we build for finance teams
Payments & Payouts
Card/ACH rails, wallet flows, disbursements, refunds, chargebacks, webhooks, idempotency.
Lending & Underwriting
Application intake, rule engines, bank data aggregation, decisioning logs, adverse action letters.
Reconciliation & Reporting
Daily settlement, GL entries, variance detection, exports to BI/ERP, regulatory-ready reports.
KYC/KYB & AML
Identity verification, sanctions screening, case management, SAR/CTR workflows, audit trails.
Investor & Customer Portals
Onboarding, document vaults, cap tables/positions, performance dashboards, secure messaging.
Data Pipelines
ETL/ELT to warehouses/lakes, event buses, CDC, retention policies, and lineage metadata.
Security & controls
Designed for audits and regulators
We implement least-privilege access, encryption in transit/at rest, configuration as code, and full event/audit logs. We align build and ops practices to common frameworks and your internal policies.
- RBAC/ABAC, SSO/OIDC, scoped API keys, secrets management
- Threat modeling, dependency/SAST scans, change control
- Immutable logs, tamper-evident audit trails, data retention
- Segregated environments, approval gates, rollback plans
We are not a law firm and do not provide legal advice; we implement technical and procedural controls to support your compliance obligations.
Common frameworks we align to: SOC 2-style controls, PCI-aware integration patterns, and FFIEC-style operational hygiene—tailored to your policies.
Integrations
Work with your banking & data ecosystem
Payment processors
Stripe/Braintree/Adyen, card tokenization, 3-D Secure/SCA, disputes & webhooks.
Banking & ACH
ACH/wires, NACHA files, Plaid/Finicity aggregation, micro-deposits, bank statements.
Identity & screening
KYC/KYB providers, sanctions/PEP lists, doc verification, case queues, SAR exports.
ERP/GL & BI
GL posting, journal exports, warehouse/BI pipelines, cohort/LTV reports, anomaly flags.
Use cases
Real-world financial workflows
Payment ops dashboard
End-to-end visibility of auths, captures, settlements, declines, and disputes with drill-downs and alerts.
Webhook-first Idempotent Retry logicUnderwriting & decisioning
Bank transaction pull, income/obligation rules, decision logs, adverse action workflows, and disclosures.
Rules engine Explainability Audit trailGL & regulatory reporting
Automated journal entries, reconciliation, variance flags, and export packs for FP&A, audit, and regulators.
CSV/EDGAR-ready Data lineage Retention policiesWhy finance teams choose MortonTech
Senior engineers, predictable delivery, and controls your auditors appreciate.
Reliability first
Idempotent APIs, retries, backoff, and monitoring so money-moving flows are boring—in the best way.
Auditability
Every change traceable: who, what, when, and why—plus dashboards for operators and auditors.
Lower total cost
Maintainable code, sane integrations, and CI/CD that makes releases safe and frequent.
FAQ
Financial software questions we hear a lot
Let’s build the finance system your team needs
Share your goals—payments, lending, reporting, or modernization—and we’ll map a pragmatic, auditable path.