Redwood City, United States
Server infrastructure for FinTech in Redwood City
Infrastructure for FinTech is a question of matching the machine to the application, then putting it near the people using it. For a medium FinTech business in Redwood City that is about 4 Cores, 48 GB of memory and 300 GB of storage on VDS.
- ✓ 5 infrastructure tiers
- ✓ Sized for your workload, not a plan name
- ✓ Same price in all 24 locations
Estimated from fibre distance, not measured from Redwood City. 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 Most likely here
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
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 50,000 visits a month and roughly 400,000 requests a day, about 40 GB of data needs to stay in memory to keep queries fast.
- 18.5 req/sec at peak
- 40 GB working set
- 10 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.
Redwood City has a data centre of its own. Every marker costs the same per month.
Show all 24 locations and distances from Redwood City ▾
| Location | Distance | Est. round trip |
|---|---|---|
| Americas · 9 locations | ||
| Santa Clara, United States | Same city | 1–2 ms |
| Los Angeles, United States | 326 miles | 8–16 ms |
| Seattle, United States | 699 miles | 17–34 ms |
| Dallas, United States | 1,469 miles | 35–71 ms |
| Chicago, United States | 1,852 miles | 45–89 ms |
| Atlanta, United States | 2,127 miles | 51–103 ms |
| Toronto, Canada | 2,263 miles | 55–109 ms |
| New York, United States | 2,563 miles | 62–124 ms |
| Miami, United States | 2,579 miles | 62–125 ms |
| Asia-Pacific · 7 locations | ||
| Tokyo, Japan | 5,161 miles | 125–249 ms |
| Hong Kong, China | 6,915 miles | 167–334 ms |
| Sydney, Australia | 7,423 miles | 179–358 ms |
| Delhi NCR, India | 7,701 miles | 186–372 ms |
| Kolkata, India | 7,835 miles | 189–378 ms |
| Mumbai, India | 8,407 miles | 203–406 ms |
| Singapore | 8,459 miles | 204–408 ms |
| Europe, Middle East & Africa · 8 locations | ||
| London, United Kingdom | 5,365 miles | 130–259 ms |
| Stockholm, Sweden | 5,373 miles | 130–259 ms |
| Amsterdam, The Netherlands | 5,464 miles | 132–264 ms |
| Frankfurt, Germany | 5,688 miles | 137–275 ms |
| Madrid, Spain | 5,798 miles | 140–280 ms |
| Milan, Italy | 5,959 miles | 144–288 ms |
| Bucharest, Romania | 6,442 miles | 156–311 ms |
| Tel Aviv, Israel | 7,407 miles | 179–358 ms |
Distances are from Redwood City. Round trips are estimated from fibre distance, not measured — the figure your users see depends on where they are.
FinTech in Redwood City
The closest of our 24 data centres to Redwood City is Santa Clara, about 18 miles away. Choosing the closest data centre is the cheapest performance improvement available, and it costs nothing extra.
Redwood City has a population of about 85,288, which is why the medium 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/Los Angeles, 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 Redwood City
Estimated from fibre distance rather than measured, and stated as a range. Your own access network decides the rest.
| Data centre | Distance from Redwood City | Estimated round trip |
|---|---|---|
| Santa Claraamericas | In your metro | 1–2 ms |
| Los Angelesamericas | 326 miles | 8–16 ms |
| Seattleamericas | 699 miles | 17–34 ms |
Redwood City sits in California, 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 medium size assumed above, that is roughly 400,000 requests a day crossing that link.
FinTech hosting in Redwood City — FAQs
What size server does a FinTech business in Redwood City, CA need?
Where would the server for my Redwood City, CA 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 Redwood City
Same city, different workload.
FinTech hosting nearby
The same workload, in the nearest cities.