Finance/payment gateway (BNPL)

Job ID: 32274230

Budget: £250 – £750 GBP

We require the build and release of our MVP as quickly as possible with ongoinging maintenance thereafter (6+ months minimum).

Summary:
We offer finance to users on our merchant partner websites similar to
www.klarna.com
www.afterpay.com

Build us a payment platform.

Requirements:
Key:
- "borrower" means end user, buyer, borrower
- "Seller" means our 3rd party merchant partners (ecommerce websites)
- "Lender" means us.

What we need;
Build our checkout finance product for our borrowers to pay in installments on our seller websites for their basket/purchase.

We need our Checkout product to be able to integrated into our seller ecommerce payments page (we may need to do this for our sellers webpage).

When a buyer is ready to complete payment on the seller checkout page, we are one of the options to complete payment (next to paypal/credit card). In this section we collect some basic details, run credit check/decision and approve/decline finance application to complete the purchase.

The borrower must also be able to login to their dashboard on our website (not built) to track their payment plans/history and make additional payments.

Our seller merchant partners should see a history of all successful applications.

We need to see a detailed summary of every application approved and declined via an admin panel.

Several API integrations will be required on our side including;
- for Payment collections (https://gocardless.com/)
- a few other service integration possibly.

Other notes:
Full architecture documentation
Beautiful high level UX and design
frontend - built with reactjs and material design.
Backend - python or nodejs,
Anything else on technical side, happy to hear advice.

Results:
We need everything to be released so that 3rd party merchants can easily integrate our payment platform to their websites in the future. (We may neet to do this eith our fist seller)

Make the UX amazing for the borrower.

Bonus: Detailed reporting tools

It's an MVP so we only need minimal features built in high quality that works with minimum bugs!

Please advise on timeline. Preference is given to project budget over timeline.