Fintech Payment Processing Prototype Development

I'm seeking an experienced web and mobile app developer to create a prototype of a fintech payment processing platform. a fintech platform that enables direct, fast, and low-cost payments between African importers and Asian merchants (China, Korea, Thailand, india, etc.) and vis versa, using digital wallets, currency optimization, and blockchain technology. It will integrate local and international payment gateways, allowing businesses to make secure cross-border transactions with ease

Key Features:

- Payment Processing: The core functionality of the platform.

-Payment Gateway Partnerships with Asian Platforms:

Integrate with WeChat Pay, Alipay, and Korean/Thai payment networks to allow seamless acceptance of payments by Asian merchants

- User Authentication: Secure login for users and merchants.

-Integrate with popular e-commerce sites (like Alibaba, DHgate, or Korean B2B platforms, etc.) so that importers can pay directly from the platform.

- Transaction History: Comprehensive tracking of user transactions.

- Multiple Currency Conversion: The ability to handle transactions in various currencies.

- Blockchain Payment: Integration of CBDC and stable coins.

- Escrow Service: To ensure secure transactions.

- Buy Now Pay Later (BNPL): A flexible payment option for users.

- Merchant Interaction: Ability to add and select merchants.

- Fraud Detection: Implement machine learning algorithms to detect and prevent fraudulent transactions.

- Reporting Dashboard: Visualize transaction trends and platform performance metrics via detailed reports.

- Payment Notifications: Real-time alerts and notifications for all transaction activities.

- User Analytics: Track user behavior and preferences to offer personalized services.

- API Integration: Create APIs for third-party services to integrate with the platform.

- Two-Factor Authentication: Add a layer of security with two-factor authentication for user and merchant logins.

- Instant Settlement: Facilitate instant fund settlements for merchants to improve cash flow.

- Customer Support Chat: Integrate a customer support chat system for real-time assistance.

- Recurring Payments: Enable automated recurring payments for subscriptions and regular bills.

- Data Backup: Regular data backup and recovery options to protect user information and transaction records.

- Mobile Wallet Integration: Enable users to link and use mobile wallets like Apple Pay, Google Wallet, etc.

- Biometric Authentication: Support biometric authentication methods like fingerprint and facial recognition for extra security.

- Multi-Language Support: Offer multiple language options to cater to a diverse user base.

- Scheduled Transfers: Allow users to schedule future transfers or payments on a specific date.

- Currency Exchange Rates: Display real-time currency exchange rates within the platform.

- User Feedback Portal: Provide a dedicated portal for users to submit feedback and report issues.

- Dark Mode Option: Include a dark mode option to enhance user experience.

- Tax Management: Implement automatic tax calculation and reporting for transactions.

Ideal Candidates: You should have a strong background in fintech and web/mobile app development, with a proven track record of creating payment processing platforms. Experience with blockchain technology and multiple currency systems is highly desirable. Your ability to create secure, user-friendly and efficient platforms will be key to the success of this project.

Expected delivery timeline for the prototype is 1-3 months. anticipated initial user load up to 1,000 users.

The mobile app should be developed for both iOS and Android. The platform should follow a minimalist design approach with clean lines and a user-friendly interface. I am open to suggestions for the appropriate tech stack. Hold bi-weekly meetings to review progress and make necessary adjustments.

The reporting dashboard should include detailed analytics and in-depth reports on transaction trends, user behavior, and platform performance metrics. Focus initially on user security and core functionalities. Ensure ongoing support and maintenance post-deployment. Provide a step-by-step guide to assist users during onboarding. The platform should leverage Hyperledger blockchain technology. The design should follow a corporate and professional style for the user interface. The platform should partially integrate with local African payment systems, focusing on major networks. Focus on building a decentralized ledger for maximum transparency and security of transaction records.

Comercio electrónico iPhone Desarrollo de apps móviles PHP Arquitectura de software Payment Gateway Integration Payment Processing

Nº del proyecto: #38789324

Sobre el proyecto