I need an API endpoint dedicated to processing payments. The goal is to plug directly into my bank’s own payment gateway rather than common options like PayPal, Stripe, or Square. The endpoint must accept card details sent from our front-end, forward them to the bank’s gateway, listen for the gateway’s response, and return a clean, well-structured JSON object to the caller. Security is paramount. Please implement TLS, token-based authentication, and proper validation to keep PCI-related data out of the logs. Idempotency keys are also required so that retried requests never create duplicate transactions. I work in a Node.js environment but I’m open to another modern stack if you can justify the choice. Just make sure the code is clean, commented, and easy to hand off to my in-house team later. Deliverables • Production-ready endpoint source code • Postman or Swagger collection that demonstrates every request/response path • A short README explaining setup, environment variables, and deployment steps • Basic unit tests covering happy-path and common failure scenarios Once everything passes review on our staging server I’ll release payment. Let me know your preferred stack and estimated turnaround when you bid.