What Code & Pepper does

Code & Pepper sp. z o.o. is a privately held, Poland-headquartered software engineering firm founded in 2006 that delivers custom FinTech and HealthTech software development, dedicated team augmentation, AI integration services, and pre-built FinTech product components to clients primarily in Europe and North America. Its delivery model spans end-to-end product development and staff augmentation, with engineers drawn from a curated funnel (1.6% acceptance rate) and pre-onboarded to be fully operational within four weeks. The technical stack centers on React.js, Node.js, React Native, Angular, Ruby on Rails, TypeScript, and Python, deployed on AWS/Azure/GCP with serverless, microservices, and CI/CD pipelines, and embedded compliance for FCA, PSD2, GDPR, and HIPAA.

The firm operates from Suwałki (HQ), Cirencester (UK), and Los Angeles (US), serving a mix of startups and enterprise clients across FinTech, HealthTech, banking, insurance, and adjacent verticals (named engagements include LUSID/Finbourne, Smart Pension, AZA/BFX, Nimbla, Global Trade Alert, Gyanberry, Monkee, and Flink). Revenue is generated almost exclusively through professional services engagements (project-based or time-and-materials), with pricing undisclosed and conducted via consultative direct and inside sales motions initiated through website contact forms and a partner referral program. Marketing relies on SEO-driven content, case studies, and third-party validation (Clutch 4.6, Forbes Poland 2022).

The company is independently owned with no disclosed external funding or institutional backing, and its growth has been organic over an 18+ year horizon. Recent strategic emphasis has shifted toward productizing accumulated FinTech delivery IP into a directory of reusable components (loan management, open banking, digital banking, FinTech APIs, insurance compliance, portfolio management, stock prediction) and formalizing AI development as a billable service line, including custom LLM integration and intelligent chat solutions for regulated-industry clients.

Name

Code & Pepper

Legal name

Code & Pepper sp. z o.o.

Website

https://codeandpepper.com

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

11–50 employees

Short description

Code & Pepper is a Poland-based software development firm founded in 2006 that delivers custom FinTech and HealthTech engineering, team augmentation, and AI integration services to startups and enterprises across Europe and North America from offices in Poland, the UK, and the US.

Ownership category

akta.pro rank

Headquarters

HQ city

Warsaw

HQ country

Poland

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Dedicated Software Engineers / Team Augmentation: Provides fully onboarded engineers (ramp-up in 4 weeks) to augment clients' existing development teams. Engineers are fully operational from day one. Revenue derived from engineering resource fees charged to clients.
2. Custom Software Product Development: End-to-end development services from concept to launch, including product strategy, UX/UI design, full-stack development, cloud integration, and post-launch support. Billed as project-based or time-and-materials engagements.
3. AI Development & Integration Services: Custom AI solutions including LLM integration and intelligent chatbot development for FinTech and HealthTech products.
4. DevOps & Cloud Services: Dedicated DevOps engineers and cloud migration/optimization services including AWS, Azure, and Google Cloud infrastructure.

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

Code & Pepper is a FinTech and HealthTech software development outsourcing firm providing dedicated software engineers, end-to-end custom product development, AI integrations, DevOps, cloud migration, and pre-built FinTech software products. The company supplies pre-vetted developers fully operational within 4 weeks and also sells white-label FinTech product templates such as loan management, open banking, and digital banking platforms to clients in regulated industries.

Product overview

Code & Pepper is a FinTech and HealthTech software development company offering both services and pre-built products. Their service offerings include dedicated software team augmentation (providing engineers fully operational within 4 weeks), custom software product development, and specialized outsourcing for technologies including Node.js, Ruby on Rails, React, Angular, Python, and DevOps. They also provide end-to-end development, cloud migration, AI development, UI/UX design, Scrum team management, and quality assurance services. Their product portfolio consists of pre-built FinTech solutions including Loan Management Software, Open Banking Solutions, Digital Banking Platforms, FinTech APIs, Insurance Compliance Software, Investment Portfolio Management, and Stock Prediction Software. The company operates with a 1.6% acceptance rate for engineers and emphasizes AI-enhanced development with compliance expertise in FCA, PSD2, GDPR, and HIPAA.

Differentiator

Problem solved

Functional benefit

Products and services

• Software Team Augmentation Provides dedicated, pre-vetted software engineers (full-stack, DevOps, front-end, back-end) integrated into client teams. Engineers are fully operational within 4 weeks of engagement start, allowing clients to scale engineering capacity up or down without long hiring cycles.
• Custom Software Product Development End-to-end custom software development engagements covering product strategy, UX/UI design, full-stack development, cloud integration, AI integration, testing, and post-launch support. Sold as project-based or time-and-materials engagements for FinTech and HealthTech clients.
• DevOps Services Dedicated DevOps engineers and cloud specialists providing CI/CD pipeline implementation, infrastructure automation, containerization, and ongoing infrastructure management for FinTech and HealthTech clients.
• AI Development & AI Integrations Custom AI solutions including Large Language Model (LLM) integration and intelligent chatbot development tailored for FinTech and HealthTech products. Also includes AI-enhanced development workflows used internally to accelerate delivery.
• Web Development Full-stack web application development services covering front-end and back-end implementation for FinTech and HealthTech clients.
• Mobile Development Cross-platform mobile application development using React Native to deliver native-like performance for FinTech and HealthTech clients.
• API Development API design and development services including RESTful APIs, GraphQL gateways, and microservices communication patterns for client platforms.
• Cloud Migration & Optimization Cloud infrastructure setup, migration, and cost optimization services across AWS, Azure, and Google Cloud for scalable, security-first FinTech and HealthTech architectures.
• UI/UX Design Services User interface and user experience design services focused on usability, personalization, and clear branding for FinTech and HealthTech products.
• Scrum Team Management Agile project management services providing Scrum Masters, Product Owners, and team coordination for iterative software development.
• Quality Assurance Comprehensive testing services including unit, component, integration, end-to-end, and performance testing for client software products.
• Technology Outsourcing Services Specialized technology outsourcing engagements dedicated to Node.js, Ruby on Rails, React, Angular, and Python development stacks.
• Loan Management Software Pre-built software product for managing loan portfolios, borrower tracking, payment scheduling, and loan lifecycle management, offered as a configurable FinTech product template.
• Open Banking Solutions Open banking integration platform enabling secure data sharing and third-party financial service connectivity for banks and FinTech companies.
• Digital Banking Platforms Pre-built digital banking software solutions for modern financial institutions seeking to launch or modernize digital banking offerings.
• FinTech APIs Pre-built financial technology API components covering payments, identity verification, and regulatory compliance for integration into client platforms.
• Insurance Compliance Software Pre-built software solutions for insurance regulatory compliance and reporting, targeting insurance carriers and InsurTech companies.
• Investment Portfolio Management Pre-built software for managing investment portfolios, asset allocation, and performance tracking, targeted at wealth management and asset management firms.
• Stock Prediction Software Financial software incorporating analytics and predictive capabilities for stock market analysis, targeted at trading platforms and investment firms.

Quantifiable outcome

• Ramp-up time reduced by 50-70% compared to standard hiring
• +6 more outcomes

Named customers9 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability3 records

Feature8 records

Scale indicators8 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Netguru: Poland-based software consultancy offering custom product development, team augmentation, and FinTech/HealthTech-adjacent services at similar scale (hundreds of engineers). Direct competitor for European nearshore FinTech engagements.
• Brainhub: Kraków-based software house providing dedicated teams and end-to-end product development for FinTech and high-growth startups. Closely comparable in size, geography, and service model.
• Andersen Lab: Eastern European software development outsourcing firm with comparable FinTech/HealthTech vertical focus and dedicated team offerings. Competes directly for Polish-rooted nearshore talent pool.
• ScienceSoft: US-headquartered IT services company with strong FinTech and Healthcare software development practices. Overlaps on vertical specialization and team-augmentation delivery model.
• Itransition: Custom software development and IT outsourcing company with dedicated FinTech and Healthcare practice areas. Comparable service portfolio including team augmentation and end-to-end product delivery.
• DICEUS: FinTech-focused software development and consulting company with deep domain expertise in banking, payments, and insurance. Closest vertical peer for Code & Pepper's regulated-industry positioning.

Broad incumbents

• BairesDev: Large nearshore outsourcing firm with thousands of engineers across Latin America. Competes for team augmentation and dedicated engineering engagements but at materially greater scale and broader vertical coverage.
• Toptal: Premium freelance talent marketplace for software engineers, including FinTech-relevant talent. Competes for top-of-funnel team augmentation engagements where clients seek vetted developers on demand.
• EPAM Systems: Global IT services firm with substantial FinTech practice and nearshore European delivery centers. Competes for enterprise FinTech transformation and dedicated team programs at significantly larger scale.

Emerging players

• KeenEthics: Mid-sized Eastern European agency offering FinTech and HealthTech software development services. Comparable in scale and vertical focus, though narrower in geographic reach and brand presence.

Market position

Strengths4 records

Weaknesses3 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/lucakorol
• Facebookfacebook.com/codeandpepper
• LinkedInlinkedin.com/company/3497542

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Code & Pepper