Bank Transfer Gateway With Saleable API

I need a purpose-built payment gateway focused exclusively on bank-transfer transactions. It must give me real-time status updates for every payment, run fraud-detection checks before funds settle, and handle multi-currency flows without manual intervention.

After each successful transfer the system should broadcast a “current affairs” payload—essentially a concise data snapshot of the finished transaction—so downstream services can act on it immediately. This data, along with all core functions, has to be exposed through a clean, well-documented and saleable REST API because external merchants will integrate directly into the gateway.

I will run the service on my own infrastructure, so please design with containerisation in mind and lean on mainstream stacks such as Node/Express, Go or Python/FastAPI. Security best practices (PCI-DSS alignment, encrypted traffic, audit-grade logging) are assumed from day one.

Deliverables
• Production-ready gateway source code
• OpenAPI/Swagger-based documentation
• Database schema & migration scripts
• Automated tests for payment, update and fraud-check flows
• Concise deployment guide (Docker or Kubernetes)

When you reply, attach a detailed project proposal that walks me through your architecture, technology choices, timeline and any relevant experience with financial integrations.