Contact person: Business Client

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Location: Rasipuram, India

Budget: Recommended by industry experts

Time to start: As soon as possible

Project description:
"We are building TPay, a fintech app that will launch first as an MVP using Cashfree, and later upgrade into a full UPI app using Juspay’s HyperUPI SDK.

We are looking for an experienced fintech developer/team who understands:

UPI payment flows

Cashfree / Razorpay / Decentro / Juspay integrations

Wallet systems

Merchant QR

BBPS

Backend + admin panel

Payment reconciliation

This project has two clearly defined phases.

PHASE 1 — MVP (Using Cashfree + BBPS Provider)

Launch a lightweight version of TPay with core wallet, QR, and recharge functionalities.

Phase 1 Deliverables:

Cashfree Integration

UPI Merchant QR payments (dynamic & static)

Cashfree UPI payment gateway

Wallet top-up via UPI

Payouts for bank withdrawals

Webhook implementation

Settlement and reconciliation logic

Closed-Loop Wallet (Tpay Lite)

Load balance using UPI

Non-withdrawable cashback wallet

Cashback ledger

Wallet spend allowed for:

Mobile recharge

DTH

Electricity

Loan repayment (BBPS)

FASTag recharge

Wallet balance expiry rules

BBPS + Marketplace (via Setu or BharatConnect)

Mobile recharge

DTH

Electricity

Water

Loan repayment

FASTag recharge

Mobile App (Android)

Mobile number login + OTP

Device binding

Home dashboard

Wallet screen

Scan & Pay (via Cashfree QR)

Recharge/bills module

Cashback section

Transaction history

In-app notifications

Admin Panel

User list

Merchant list

Transaction logs

Wallet adjustments

Cashback rules engine

Settlement reports

API log monitor

PHASE 2 — Full UPI App (Juspay Integration)

After MVP launch, TPay will be upgraded into a full-scale UPI app similar to PhonePe, Fi Money, or Jupiter.

Phase 2 Deliverables:

UPI Core (Juspay HyperUPI SDK)

UPI handle creation (example: @companyname, similar to @ybl or @axl)

Device binding flow

UPI PIN setup/reset

Bank account linking

P2P payments (Send Money)

P2M merchant payments

Scan & Pay (bank QR)

UPI Collect requests

UPI Lite / Lite X

AutoPay mandates

Merchant Acquiring (Zero MDR flow with PSP Bank)

Merchant onboarding

Merchant KYC verification

Generate TPay static/dynamic QR codes

Transaction reports

Settlement logic

MDR rules (if applicable)

Enhanced Wallet

Auto top-up using UPI AutoPay

Cashback to wallet to spend flow

Full ledger system

Transaction reconciliation

Advanced Backend

Transaction routing

UPI webhooks

Bank callbacks

Dispute handling

PSP bank compliance logs

Enhanced admin panel (merchant and user reconciliation)

Security and Compliance

PCI-DSS aligned workflows

Encryption standards for UPI keys

Audit logs

Fraud detection rules

REQUIRED EXPERIENCE

We will only consider developers who meet these requirements:

Must have built at least one fintech/payments app

Experience with: Cashfree, Razorpay, PayU or Juspay, Setu, Decentro

Strong knowledge of:

UPI flows

Merchant QR

Device binding

Payment gateway integration

Wallet systems

Strong mobile and backend expertise (Android + NodeJS/Python preferred)

PLEASE SUBMIT THE FOLLOWING:

Your fintech portfolio (apps, payments, UPI, wallets)

Experience with Cashfree / Juspay

Tech stack you will use

Estimated timeline for:

Phase 1 (MVP)

Phase 2 (UPI upgrade)

Estimated budget for each phase

Team size and capabilities" (client-provided description)