I need an experienced Android developer to craft a streamlined EMI payment app aimed at individual customers. The core job is to let users view their instalment schedule and complete each payment inside the app, so secure, real-time payment processing is absolutely critical. Key elements of the build • A clean customer dashboard that shows outstanding and completed instalments at a glance. • Seamless, PCI-compliant payment gateway integration that accepts cards, UPI and net-banking (I’m open to your recommended provider). • Instant in-app receipts plus optional SMS/email confirmations so the customer always has proof of payment. • Local data encryption, basic KYC capture and a simple login (OTP or biometric preferred) to keep onboarding friction low. • Lightweight admin panel or API hooks so I can pull transaction reports without touching the code. Deliverables 1. Production-ready Android APK and Play Store–ready bundle. 2. Well-commented source (Kotlin or Java) in a private Git repo. 3. Basic deployment documentation outlining gateway keys, Firebase/Push setup and environment variables. 4. One short video walkthrough that confirms every flow from first launch to a successful payment. Once the Android build is stable I may commission an iOS version, so modular architecture will be appreciated. If this scope matches your expertise, tell me which payment SDK you favour, a timeline you can commit to, and a recent app where you handled live payments.