The goal is to replicate the core experience of piepay.in while tailoring it to serve two equal user groups: card-holding sellers and buyers on Flipkart or Amazon who lack their own cards. In practical terms, the site must let a verified cardholder pay on behalf of a buyer, track the transaction in real time, and release confirmations once the order is placed. Essential elements I need built and fully wired: • Seamless payment-gateway integration that supports split and escrow-style flows. • Robust user-authentication—email/OTP sign-up, KYC upload, and role-based dashboards for both buyer and cardholder. • An in-page customer-support chat so users can resolve issues without leaving the checkout. A clean, mobile-first UI, an admin panel for dispute handling, and detailed order histories for every profile complete the scope. Once live, I should be able to test payments end-to-end on a sandbox environment before we flip to production credentials. Deliverables that will be accepted: 1. Source code and database schema, ready to deploy on a standard LAMP/VPS stack (or Node/React if you prefer and document). 2. Tested payment gateway flow that covers initiate, hold, capture, refund. 3. Role-based login with separate dashboards working for buyer and cardholder. 4. Embedded chat widget tied to each order ID. 5. Clear setup/installation guide plus one demo call walking through hand-over. If you’ve built comparable escrow or peer-to-peer payment sites, that experience will help us move fast. Let’s match the smoothness of piepay.in and launch something buyers without cards can finally rely on.