Mobile appdevelopment forToronto businesses.
A senior remote product team for Toronto founders and operators — fintech, health and retail apps built to PIPEDA, Ontario's PHIPA and the AODA, with calls in your morning.
App development in Toronto.
Kurchu Software Solutions builds fintech, health and retail apps for Toronto and Ontario businesses, working remotely from Lahore, Pakistan, nine to ten hours ahead of Eastern time. Apps follow PIPEDA, Ontario's PHIPA for health information and the AODA, integrate Interac and Moneris, and can be hosted in Canada — with proposals in CAD.
- City
- Toronto, Canada
- Time zone
- ET — Calls and demos are held in your morning, Toronto time; work continues through your night.
- Local rules
- PIPEDA — consent, purpose limitation and access requests; Ontario's PHIPA for apps handling personal health information
- Integrations
- Interac and Moneris; Bank-account linking through Flinks or Plaid; Stripe, Apple Pay and Google Pay
- Platforms
- iOS (Swift), Android (Kotlin), Flutter, React Native
- Team location
- Lahore, Pakistan — working remotely with clients
Building apps in Toronto.
Toronto is Canada's financial and technology centre, home to the big banks, a large fintech and AI ecosystem and one of the most multilingual populations in North America.
Sectors we build for in Toronto
- Banking and fintech
- AI and SaaS
- Health tech
- Retail and real estate
Laws & rules we plan around
- PIPEDA — consent, purpose limitation and access requests
- Ontario's PHIPA for apps handling personal health information
- AODA accessibility, met through WCAG 2.2 AA
- CASL-compliant consent for marketing email and SMS
Payments & integrations
- Interac and Moneris
- Bank-account linking through Flinks or Plaid
- Stripe, Apple Pay and Google Pay
- HST-aware pricing and receipts
Lahore is 10 hours ahead of Toronto in winter and 9 hours ahead during daylight saving time.
Calls and demos are held in your morning, Toronto time; work continues through your night.
Official guidanceOffice of the Privacy Commissioner of CanadaInformation and Privacy Commissioner of Ontario
We build to these requirements alongside your legal and compliance advisers — final sign-off on regulatory questions should come from them.
What Toronto businesses ask us to build.
- 01
Fintech onboarding app
Identity verification, bank-account linking through Flinks or Plaid and e-signature, built for Canadian KYC requirements.
- 02
Clinic booking app
Appointments, intake forms and reminders for Ontario clinics, with health data hosted in Canada under PHIPA.
- 03
Condo and real estate app
Listings, viewing requests, amenity booking and building notices for brokerages and condo managers.
Questions from teams in Toronto.
Something we haven't covered? Write to info@kurchu.com — a senior person replies within one working day.
We are a Lahore-based team working with Toronto remotely. A 9:00–12:00 call in Toronto is 19:00–22:00 in Lahore in winter and 18:00–21:00 in summer. Canadian clients often ask where data lives: we deploy to Canadian cloud regions in your own account, while our team works on the code, not on copies of your customers' data.
With us, focused MVPs typically start in the mid five figures, while full platforms with several apps and an admin panel run into six. Toronto projects often add two cost items: Canadian data hosting with the access logging PHIPA expects for health apps, and Interac or Moneris alongside card payments. Both are priced separately in the CAD proposal, so you can see what compliance adds to the build.
If your app collects, uses or discloses personal health information on behalf of Ontario health custodians such as clinics, hospitals or pharmacies, PHIPA applies, often alongside PIPEDA. We build encryption, access logs, consent records and Canadian data hosting into the architecture, and document data flows for your privacy assessment. Your privacy officer or counsel confirms how PHIPA applies to you.
Ontario has no general rule requiring private-sector apps to be in French. If you sell to customers in Quebec, though, Quebec's Charter of the French Language does require French, so many Toronto companies plan for it early. We build every app ready for a second language, so adding French later is a translation job rather than a redesign.
Also building for Canada.
- CA
Vancouver
Gaming and interactive media · Clean tech and sustainability · Tourism and outdoor recreation
PTApp development in Vancouver - CA
Montreal
AI and machine learning · Gaming and creative tech · Aerospace and manufacturing
ETApp development in Montreal - CA
Calgary
Energy and utilities · Agtech and agriculture · Logistics and field services
MTApp development in Calgary - CA
All of Canada
PIPEDA; Quebec Law 25
ET / PTHow we work in Canada
Let's build the one they keep.
Tell us where you are today — idea, prototype, or existing product — and we'll help define the smartest next step.
info@kurchu.comWhere are you today?
Currently scheduling discovery sprints · Reply within one working day