In just three years, major rules like DORA, MiCA, PSD3, AML/KYC, and state privacy laws have tripled. Now, compliance checks and endless paperwork are the biggest reason for product launch delays – and they drive 73% of all fintech startup failures.
Solution
Clurgo helps finance companies handle the regulatory overload by becoming part of their team. Our analysts and developers quickly turn complex rules into working software, so they can keep building new features instead of getting stuck in compliance work.
Reliance on external payment providers eats margins and blocks growth. Third-party processors charge high commissions while owning the risk and limiting what you can build, from recurring payments and country blocks to custom BNPL solutions. The global PayFac market is surging toward $15B because leaders want to reclaim control and slash costs.
Solution
We help companies break free from restrictive third-party setups. We specialize in building payment flows in-house, turning a high-commission „growth tax” into a customizable, revenue-generating asset that you own and control.
Fintechs and banks are struggling with a chronic shortage of skilled developers. They especially need senior Java and full-stack engineers who understand both technology and finance regulations. This makes long-term projects difficult — internal teams are overloaded, external partners often just deliver code without real ownership, and sudden funding changes keep cutting team size.
Solution
We become a true high-ownership partner instead of a regular outsourcing vendor. We use a „lead-heavy” team structure with senior engineers, out of which 62.5% have Java expertise. Our team understands both technology and finance regulations, so your project stays stable and high-quality even when team size changes or funding shifts.
This is a model where Clurgo provides skilled developers, such as senior Java or full-stack engineers, who integrate directly into the client’s internal teams. In these engagements, Clurgo's experts often participate in the client's daily operations and sprint planning as if they were internal employees.
Clurgo provides end-to-end product development where we take responsibility for the project's realization. In this model, the client defines a specific scope, and Clurgo manages the entire team – including developers, testers, and analysts – to deliver the result for a set price.
A core service which involves modernizing or rewriting legacy systems into new technologies to improve performance or reduce high licensing costs. A key example is migrating on-premise systems to cloud environments like AWS.
Clurgo provides ongoing maintenance for existing systems, focusing on stability, bug fixing, and performance upgrades. In some cases, we serve as the first line of support, monitoring system health and coordinating with other technical teams during outages.
Beyond coding, Clurgo provides deep analysis to translate complex regulations such as GDPR, US labor laws, or payment security standards (PCI DSS) into technical requirements. We often act as consultants, proposing technical architectures and the "how" to achieve business goals rather than just follow a list of instructions.
Our partnership with MoneyGram evolved from routine maintenance to strategic cost optimization. By leading a large-scale migration and re-engineering their core architecture, we successfully reduced their annual licensing fees from over $100,000 to just a few thousand dollars. We helped transform a costly legacy burden into a lean, high-performance technical asset.
mElements partnered with Clurgo to strengthen its fintech capabilities and cut high costs from third-party payment providers. We became a strategic engineering partner and built a custom Payment Facilitator model that significantly reduced transaction fees and guaranteed full technical independence.
Together, our teams delivered two major innovations: a seamless in-app marketplace called „mOkazje Zakupy” and Europe’s first integrated SoftPoS solution that turns any mobile phone into a payment terminal.
The marketplace now gives customers access to over 1.2 million products and reaches more than 3.8 million active mBank users directly within the app.
Many banks and fintechs lose significant margins to external processors that charge high fees while limiting flexibility for features like recurring payments, vouchers, or country-specific rules.
Clurgo supports the shift to an internal Payment Facilitator (PF) model by integrating with operators like Worldline, as we did for mBank’s mElements. This lowers commissions, increases control, and enables new revenue streams such as embedded marketplaces and BNPL integrations – all while maintaining full PCI DSS compliance.
Regulatory changes (including DORA enforcement, PSD3 preparations, and evolving PCI DSS rules) often force teams to pause innovation and reprioritize. Clurgo’s developers act as an embedded extension of your team – combining development, analysis, and testing skills to quickly adapt to new mandates.
We have hands-on experience automating compliance processes (e.g., GDPR “right to be forgotten” across 100+ systems) and handling regulatory pivots without derailing timelines, so you stay compliant while continuing to deliver new features.
Yes. Legacy platforms often consume most of the IT budget and block scalability. Clurgo replaces outdated systems with modern, custom solutions backed by deep business analysis. For example, we built the mBank + Morele marketplace directly into the banking app and delivered Europe’s first SoftPoS (smart terminal) solution that turns NFC-enabled phones into payment terminals. We also integrate siloed systems securely with external partners, opening new revenue channels without disrupting core operations.
Unlike traditional vendors that deliver only code, Clurgo provides dedicated, long-term teams that integrate as their own – handling development, analysis, testing, and even occasional DevOps tasks. In the mElements project we became the primary Java team for over 4 years, scaling dynamically with funding changes and functioning with zero communication friction.
We focus on domain knowledge, regulatory awareness, and measurable outcomes like major licensing cost reductions (e.g., migrating from ForgeRock to AWS Cognito, cutting annual fees from over $100k to just a few thousand).
Finance projects often face shifting priorities due to regulatory updates or business needs. Clurgo works in a flexible, startup-like yet structured way. We prioritize compliance requirements immediately, provide transparent progress, and adjust without major delays.
Our track record with mBank shows consistent delivery across multiple phases – from basic payment gateway enhancements to full PF model rollout, marketplace launch, and SoftPoS introduction – even when external factors caused shifts. We typically deliver initial value within months while building for long-term scalability.
Clurgo helps fintechs and banks deliver complex projects faster – with stable, high-ownership teams that understand both technology and regulations.
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