We are developing a full-featured digital banking super app (mobile + web) with secure payments, international transfers, card management, forex, marketplace, insurance, travel, scan-to-pay, cardless withdrawal, and more. The platform must operate globally with the highest security standards. Key Requirement – Payment Gateways Direct Visa and Mastercard integrations only (no Stripe, Flutterwave, Paystack, or any third-party aggregators). You or your team must have proven experience obtaining and implementing official Visa/Mastercard merchant acquiring licenses, 3-D Secure 2.0, tokenization, and direct scheme integrations. Figma Design (Full UI Ready) (https://www.figma.com/make/PN9qvDUsFljAmBljUmBjCn/Automated-Fare-Collection-System?node-id=0-1&p=f&t=sBeP6qT1S3auQBzP-0&fullscreen=1) How Bidding Works We will grant you access to the complete Figma file. Choose one or more modules you want to fully own (list below). Submit your fixed-price quote and timeline only for the module(s) you selected. Modules You Can Bid On (Pick What You Specialize In): Mobile App (Flutter or React Native strongly preferred) Login, Onboarding & Advanced Authentication (Biometrics, 2FA, Device Binding) Main Dashboard & Navigation Secure Payments + Scan-to-Pay (QR/NFC) Local & Cross-Border Transfers (SWIFT/SEPA/Instant) Virtual/Physical Card Issuance + Cardless ATM Forex Trading & Multi-Currency Wallet Marketplace & P2P Buy/Sell Insurance & Travel Modules In-App Messaging & Support Profile & Settings Web Portal 11. Fully Responsive Customer Web App (React/Next.js preferred) 12. Admin & Back-Office Panel Backend & Core Systems 13. Backend Microservices (Node.js, Python, Go, or Java) 14. Secure Database Design & Encryption 15. Direct Visa & Mastercard Payment Gateway Integration (mandatory proven experience) 16. KYC/AML + eIDV (Onfido, Jumio, Shufti Pro, etc.) 17. Banking-Grade Security & Compliance (PCI-DSS Level 1, ISO 27001, Pen Testing) 18. DevOps, Cloud Infrastructure & Scaling (AWS/GCP/Azure + Kubernetes) Design 19. Final Polish of Existing Figma File + Missing Screens Mandatory Skills for Payment Module (#15) Previously obtained Visa/Mastercard Principal Membership or licensed acquirer partnership Implemented Visa Direct, Mastercard Send, 3-D Secure 2.x Tokenization (network tokens), EMV, PCI-DSS SAQ-D compliance Experience with Visa/Mastercard certification process Budget & Milestones Fixed price per module (you quote only what you take) Payment: 30% upfront → 40% on testable beta → 30% after security audit & approval Remote worldwide team accepted How to Apply (Strict Process) Message me with: Exact module number(s) you are bidding on Your fixed price + realistic timeline for those modules only Proof of previous Visa/Mastercard direct integrations (screenshots, references, certifications – anonymized OK) Portfolio of banking/fintech apps you shipped Team size & location Only applicants with real Visa/Mastercard direct integration experience will be considered for payment-related modules. We are ready to move fast with the right experts. Let’s build the next global banking unicorn together!