We want to create a similar payment Gateway to Sofortuberweisung [login to view URL](Germany), [login to view URL] (USA), [login to view URL] (Netherlands), [login to view URL] (Europe). The system consits in an API, and Front/Backend System for Merchant/User (Wallet-System) and Admin Panel.
Merchant/User may integrate our payment Gateway with API or Plugins (we need to provide standard plugins for woocommerce, Shopify, Magento, Prestashop etc.) and offer payments over our Gateway.
The buyer in the merchant site to use our payment methode doesn’t need to to create an account, no new passwords to remember for him (only email). He only select the bank, enter his regular acces codes for onlinebanking in a secure page without ever leaving the merchant or provider site. In the background the system connects over a secure, encrypted connection to the banking account of the buyer. In the Gateway page then the buyer can choose the account from which he wish to pay (for example: savings account, current account or creditline).
The application in the background fill out bank transfer form with the information of the platform and submit after the buyer confirmed the code in the Gateway Page. There are 4 - 5 differents banks to consider for doing the programmation/automation.
After the transfer is made (instantly) the system in the background checks if the value realy is transferred by looking in the bank statement for the reference code, value etc, then system sends payment confirmation to API/Plugin and Gateway page, then Email to payer, afterthat buying process is closed. Our system at the same time do the accounting of the value to the virtual wallet of user and the wallet of merchant less the commision for platform. When user pays the first time, wallet automatically will be created. When user would like to use wallet in the future he has to confirm the mail send.
Merchant/User, can login for wallet, see dashboard, can manage account information (bank account information), see transactions, API Information in Backend. Merchant/User can Sign-Up in the page. For receiving money the Merchant/User need to verify account with uploading documents.
Admin Backend can manage, Banks enable and disable, change comissions, taxes, merchants (assign comisión, actívate, disactivate, edit bank account and Company details), see transactions (filters), Users (edit users, actívate, desactivate, block etc.) payouts (create payouts by merchant, or transaction date etc., means that the money of the wallets or transactions will be balanced, the transactions will be marked as payed and a file with all payment information will be created in order that platform can do the payouts. Countries (manage countries, block countries (IPs etc.) ), languages (manage languages, translations of texts), Invoices (data export for Inoivce creation in 3rd party solution), settings (of page, rights etc.),
All communications between use the same level of security as banks – 256-bit SSL encryption. All personally identifiable information is encrypted using the AES 128-bit algorithm (AES/CBC/PKCS5Padding, to be specific)
Candidates may provide the technology they would use, references of similar proyects, or idealy a demo.