We are building TPay, a fintech app that will launch first as an MVP using Cashfree, and later upgrade into a full UPI app using Juspay’s HyperUPI SDK. We are looking for an experienced fintech developer/team who understands: UPI payment flows Cashfree / Razorpay / Decentro / Juspay integrations Wallet systems Merchant QR BBPS Backend + admin panel Payment reconciliation This project has two clearly defined phases. PHASE 1 — MVP (Using Cashfree + BBPS Provider) Launch a lightweight version of TPay with core wallet, QR, and recharge functionalities. Phase 1 Deliverables: Cashfree Integration UPI Merchant QR payments (dynamic & static) Cashfree UPI payment gateway Wallet top-up via UPI Payouts for bank withdrawals Webhook implementation Settlement and reconciliation logic Closed-Loop Wallet (Tpay Lite) Load balance using UPI Non-withdrawable cashback wallet Cashback ledger Wallet spend allowed for: Mobile recharge DTH Electricity Loan repayment (BBPS) FASTag recharge Wallet balance expiry rules BBPS + Marketplace (via Setu or BharatConnect) Mobile recharge DTH Electricity Water Loan repayment FASTag recharge Mobile App (Android) Mobile number login + OTP Device binding Home dashboard Wallet screen Scan & Pay (via Cashfree QR) Recharge/bills module Cashback section Transaction history In-app notifications Admin Panel User list Merchant list Transaction logs Wallet adjustments Cashback rules engine Settlement reports API log monitor PHASE 2 — Full UPI App (Juspay Integration) After MVP launch, TPay will be upgraded into a full-scale UPI app similar to PhonePe, Fi Money, or Jupiter. Phase 2 Deliverables: UPI Core (Juspay HyperUPI SDK) UPI handle creation (example: @companyname, similar to @ybl or @axl) Device binding flow UPI PIN setup/reset Bank account linking P2P payments (Send Money) P2M merchant payments Scan & Pay (bank QR) UPI Collect requests UPI Lite / Lite X AutoPay mandates Merchant Acquiring (Zero MDR flow with PSP Bank) Merchant onboarding Merchant KYC verification Generate TPay static/dynamic QR codes Transaction reports Settlement logic MDR rules (if applicable) Enhanced Wallet Auto top-up using UPI AutoPay Cashback to wallet to spend flow Full ledger system Transaction reconciliation Advanced Backend Transaction routing UPI webhooks Bank callbacks Dispute handling PSP bank compliance logs Enhanced admin panel (merchant and user reconciliation) Security and Compliance PCI-DSS aligned workflows Encryption standards for UPI keys Audit logs Fraud detection rules REQUIRED EXPERIENCE We will only consider developers who meet these requirements: Must have built at least one fintech/payments app Experience with: Cashfree, Razorpay, PayU or Juspay, Setu, Decentro Strong knowledge of: UPI flows Merchant QR Device binding Payment gateway integration Wallet systems Strong mobile and backend expertise (Android + NodeJS/Python preferred) PLEASE SUBMIT THE FOLLOWING: Your fintech portfolio (apps, payments, UPI, wallets) Experience with Cashfree / Juspay Tech stack you will use Estimated timeline for: Phase 1 (MVP) Phase 2 (UPI upgrade) Estimated budget for each phase Team size and capabilities