Durham, United States
Server infrastructure for FinTech in Durham
What FinTech actually need from a server is predictable performance under load, and enough headroom to grow into. For a large FinTech business in Durham that is about 16 Cores, 196 GB of memory and 1000 GB of storage on Dedicated Server.
- ✓ 5 infrastructure tiers
- ✓ Sized for your workload, not a plan name
- ✓ Same price in all 24 locations
Estimated from fibre distance, not measured from Durham. Your real figure depends on your connection and route, and lands inside this range.
Choose the infrastructure for your workload
Three sizes of business, each sized from an assumed traffic figure rather than a measured one. If you know your own numbers, tell us and the estimate changes with them.
Small FinTech
1–10 people · ~5,000 visits a month
$251.50 USD USD
per month · VDS
- 2 Cores
- 24 GB RAM
- 150 GB storage
About 1.9 requests a second at peak, holding roughly 14 GB of working data.
Configure this build →Medium FinTech
11–50 people · ~50,000 visits a month
$439.15 USD USD
per month · VDS
- 4 Cores
- 48 GB RAM
- 300 GB storage
- Managed
About 18.5 requests a second at peak, holding roughly 40 GB of working data.
Configure this build →Large FinTech Most likely here
51+ people · ~500,000 visits a month
$1,735.15 USD USD
per month · Dedicated Server
- 16 Cores
- 196 GB RAM
- 1000 GB storage
- Managed
About 185.2 requests a second at peak, holding roughly 160 GB of working data.
Configure this build →These figures are assumptions stated out loud, not predictions about your business. Memory, cores and disk can all be raised on the same server later, usually within the hour, with no rebuild and no new IP address — so starting one size below the estimate is normally the cheaper mistake.
Why FinTech size up this way
Working from about 500,000 visits a month and roughly 4,000,000 requests a day, about 160 GB of data needs to stay in memory to keep queries fast.
- 185.2 req/sec at peak
- 160 GB working set
- 40 GB/month growth
- Linux
Which tiers suit FinTech
Including the ones that do not, and why — that is usually the more useful half.
| Infrastructure | Verdict | Why |
|---|---|---|
| Shared Hosting Managed space on a shared server | Not this one | Shared hosting cannot run background workers, queues or long-lived processes, which a SaaS application depends on. |
| VPS Flexible virtual infrastructure with full root access | Recommended | The natural home for an early-stage product: root access, your own runtime, and the ability to resize as you grow. |
| VDS Virtual server with resources pinned to you alone | Recommended | Pinned resources give you the predictable latency your customers will hold you to in an SLA. |
| Dedicated Server An entire physical server, configured to your specification | Recommended | Right once the database and the application tier are competing for the same memory on a single virtual instance. |
| Bare Metal Physical compute for sustained, demanding workloads | Workable | For platforms running their own virtualization, or holding a large working set entirely in memory. |
FinTech workloads you can host
The API is the product, so uptime is contractual and every failed webhook is somebody's missing money.
- Payments API
- KYC/AML onboarding
- Ledger service
- Webhook delivery
- Reconciliation jobs
Where your server runs
All 24 locations cost the same, so pick whichever sits closest to the people who will actually use the server.
Durham is closest to Atlanta. Every marker costs the same per month.
Show all 24 locations and distances from Durham ▾
| Location | Distance | Est. round trip |
|---|---|---|
| Americas · 9 locations | ||
| Atlanta, United States | 348 miles | 8–17 ms |
| New York, United States | 420 miles | 10–20 ms |
| Toronto, Canada | 530 miles | 13–26 ms |
| Chicago, United States | 620 miles | 15–30 ms |
| Miami, United States | 711 miles | 17–34 ms |
| Dallas, United States | 1,043 miles | 25–50 ms |
| Los Angeles, United States | 2,215 miles | 53–107 ms |
| Seattle, United States | 2,341 miles | 57–113 ms |
| Santa Clara, United States | 2,367 miles | 57–114 ms |
| Europe, Middle East & Africa · 8 locations | ||
| London, United Kingdom | 3,875 miles | 94–187 ms |
| Madrid, Spain | 3,968 miles | 96–192 ms |
| Amsterdam, The Netherlands | 4,059 miles | 98–196 ms |
| Frankfurt, Germany | 4,269 miles | 103–206 ms |
| Stockholm, Sweden | 4,346 miles | 105–210 ms |
| Milan, Italy | 4,424 miles | 107–214 ms |
| Bucharest, Romania | 5,170 miles | 125–250 ms |
| Tel Aviv, Israel | 6,072 miles | 147–293 ms |
| Asia-Pacific · 7 locations | ||
| Tokyo, Japan | 6,900 miles | 167–333 ms |
| Delhi NCR, India | 7,719 miles | 186–373 ms |
| Mumbai, India | 8,208 miles | 198–396 ms |
| Kolkata, India | 8,305 miles | 200–401 ms |
| Hong Kong, China | 8,318 miles | 201–402 ms |
| Sydney, Australia | 9,626 miles | 232–465 ms |
| Singapore | 9,850 miles | 238–476 ms |
Distances are from Durham. Round trips are estimated from fibre distance, not measured — the figure your users see depends on where they are.
FinTech in Durham
The closest of our 24 data centres to Durham is Atlanta, about 348 miles away. Round-trip time is set by physical distance more than by anything else, so the nearest site is usually the right one.
Durham has a population of about 257,636, which is why the large build above is the one most likely to fit a FinTech business here — though the other two are a click away if it does not. Local time is America/New York, so routine maintenance and backups are scheduled against your overnight rather than ours.
Data stays in the jurisdiction you choose, which matters if you are working to state privacy laws such as the CCPA. Pricing is quoted in USD, and the figure is the same wherever the machine physically sits.
Network reach from Durham
Estimated from fibre distance rather than measured, and stated as a range. Your own access network decides the rest.
| Data centre | Distance from Durham | Estimated round trip |
|---|---|---|
| Atlantaamericas | 348 miles | 8–17 ms |
| New Yorkamericas | 420 miles | 10–20 ms |
| Torontoamericas | 530 miles | 13–26 ms |
Durham sits in North Carolina, and every one of our 24 locations costs the same — so the only thing worth optimising is which of them your users are closest to. At the large size assumed above, that is roughly 4,000,000 requests a day crossing that link.
FinTech hosting in Durham — FAQs
What size server does a FinTech business in Durham, NC need?
Where would the server for my Durham, NC business actually run?
Is a VPS enough for FinTech, or do we need a dedicated server?
Can you host payments API for us?
Can we start smaller and grow?
Other industries in Durham
Same city, different workload.
FinTech hosting nearby
The same workload, in the nearest cities.