Cross-Platform Mobile Payment App Development
Budget: $5,000 – $10,000 USD
GhostPay – Project Overview for Developers
GhostPay is a mobile fintech platform that allows clients to pay service professionals — including tattoo artists, barbers, nail techs, beauty professionals, gas stations (for fuel only), mechanics, and tire shops (gomeras) — using fast, easy in-person or remote payments.
⸻
Goal
To build a lightweight, user-friendly iOS app (Android later) where:
• Clients can:
• Send payments to artists and service providers
• Use username, QR code, or tap-to-pay (NFC/Bluetooth)
• Choose between:
• Pay in Full
• Pay in 4 (BNPL) using Stripe/Klarna/Afterpay
• View transaction and payment history
• Providers (Artists, Mechanics, etc.) can:
• Receive payments instantly
• View earnings dashboard
• Track loyalty and send client reminders
• Share profile with QR or GhostPay username
⸻
Account Types
1. Clients
• Send payments (Pay in Full or Pay in 4)
• Track payment schedules
• View receipts and transaction log
2. Service Providers (Artists, Mechanics, etc.)
• Receive full payments instantly (minus platform fee)
• Access earnings history
• Use loyalty reward system
• Send booking/payment reminders
⸻
Payment & Fee Structure
• Pay in 4 is handled by Stripe with Klarna/Afterpay, which charge their own interest/fees to the client.
• GhostPay also charges a separate flat fee:
• 3% of each transaction (platform revenue)
• Artists can upgrade to GhostPay Pro:
• $10/month or $99/year
• Unlocks analytics, loyalty tools, reminders, and more
⸻
Security & UX
• Stripe Connect for full compliance and payment routing
• Must feel as simple as Cash App, optimized for independent service businesses
• Clean dark UI theme, ghost-style brand identity, and minimal friction per screen
⸻
Suggested Tech Stack
• Frontend: SwiftUI (iOS)
• Backend: Firebase, Supabase, or Node.js
• Payments: Stripe Connect with Klarna/Afterpay BNPL
• Distribution: TestFlight for beta testing, App Store for launch
GhostPay is a mobile fintech platform that allows clients to pay service professionals — including tattoo artists, barbers, nail techs, beauty professionals, gas stations (for fuel only), mechanics, and tire shops (gomeras) — using fast, easy in-person or remote payments.
⸻
Goal
To build a lightweight, user-friendly iOS app (Android later) where:
• Clients can:
• Send payments to artists and service providers
• Use username, QR code, or tap-to-pay (NFC/Bluetooth)
• Choose between:
• Pay in Full
• Pay in 4 (BNPL) using Stripe/Klarna/Afterpay
• View transaction and payment history
• Providers (Artists, Mechanics, etc.) can:
• Receive payments instantly
• View earnings dashboard
• Track loyalty and send client reminders
• Share profile with QR or GhostPay username
⸻
Account Types
1. Clients
• Send payments (Pay in Full or Pay in 4)
• Track payment schedules
• View receipts and transaction log
2. Service Providers (Artists, Mechanics, etc.)
• Receive full payments instantly (minus platform fee)
• Access earnings history
• Use loyalty reward system
• Send booking/payment reminders
⸻
Payment & Fee Structure
• Pay in 4 is handled by Stripe with Klarna/Afterpay, which charge their own interest/fees to the client.
• GhostPay also charges a separate flat fee:
• 3% of each transaction (platform revenue)
• Artists can upgrade to GhostPay Pro:
• $10/month or $99/year
• Unlocks analytics, loyalty tools, reminders, and more
⸻
Security & UX
• Stripe Connect for full compliance and payment routing
• Must feel as simple as Cash App, optimized for independent service businesses
• Clean dark UI theme, ghost-style brand identity, and minimal friction per screen
⸻
Suggested Tech Stack
• Frontend: SwiftUI (iOS)
• Backend: Firebase, Supabase, or Node.js
• Payments: Stripe Connect with Klarna/Afterpay BNPL
• Distribution: TestFlight for beta testing, App Store for launch