Contact person: Business Client

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Location: Glenwood, Australia

Budget: Recommended by industry experts

Time to start: As soon as possible

Project description:
"I’m building a cross-border payment network that launches from Australia yet settles money anywhere in the world. The core product must let a customer scan one QR code and, behind the scenes, route the transaction through the cheapest rail—UPI, DuitNow, PayID/eQR Eftpos, Visa, WeChat, UnionPay QR, PayPak, or whichever option meets the lowest-cost and highest-success rules at that moment.

To make this work, I need a full stack solution: real-time AI for smart routing, FX optimisation and hedging, comprehensive risk and fraud models, biometric onboarding with OTP, plus an AI help-desk for merchant support. All reconciliation, KYC/AML checks, sanctions screening and settlement reports must be fully automated.

The platform must expose a public, well-documented REST/GraphQL Merchant API covering:
• Authentication & self-service onboarding
• Dynamic QR management and global interoperability hub
• Payments & transactions, webhooks for settlement and payouts
• Invoices and recurring billing
• Mobile-app endpoints for iOS / Android (user auth, session, scan & pay)
• Triggering NPP payments when PayID is used

Accounting packages—Xero, MYOB and QuickBooks—need out-of-the-box reconciliation. I also expect granular, AI-driven dashboards we can surface later via a partner portal.

Acceptance criteria
• Live payments in Australian sandbox connecting to WeChat, Alipay, UPI, DuitNow, PayPak and UnionPay QR test rails
• Latency <300 ms for smart-routing decision, with audit log of chosen path
• FX engine matches or beats mid-market + 25 bps in demo scenarios
• KYC/AML checks pass AUSTRAC guidelines and return results in <60 s
• End-to-end automated reconciliation file posts into Xero, MYOB and QuickBooks nightly
• Comprehensive API reference (OpenAPI/Swagger) and Postman collection

If you’ve built high-throughput payment backends, AI fraud engines, or large-scale merchant APIs before, let’s talk." (client-provided description)