Multi-Channel PCI-Compliant Payment Switch
Budget: $10,000 – $20,000 USD
Only bid if you have build this before. am building a robust payment switch that routes transactions from multiple front-end channels to a variety of processors in real time. The core engine must reliably accept, normalize and forward the following transaction types:
• Credit card payments
• Bank transfers (ACH/SEPA or equivalent)
• Digital wallets (Apple Pay, Google Pay, etc.)
Security is non-negotiable. The codebase, data flows and storage all have to meet:
• Full PCI-DSS compliance (up to SAQ-D level)
• End-to-end encryption of data in transit and at rest
• Tokenization services to ensure PANs are never exposed to client applications
The switch will serve three distinct environments, so clear, modular integration layers are required:
• E-commerce websites (REST/JSON)
• Mobile apps (iOS & Android SDK hooks or GraphQL)
• Core banking systems (ISO 8583 or ISO 20022 where applicable)
Key expectations
– Real-time routing logic with configurable rules (processor selection, fail-over, load balancing)
– Admin dashboard for transaction monitoring, reconciliation and manual overrides
– Swagger-documented APIs with test harnesses and sandbox keys
– Deployment scripts for both on-prem and cloud (Docker/Kubernetes preferred)
– Unit, integration and penetration test reports demonstrating security controls
I will sign off once the switch passes end-to-end test cases on each platform, produces clean PCI audit artifacts, and processes a minimum 1,000 TPS in a controlled load test. If you have proven experience with payment gateways or switch architecture, let’s talk technical details and agree on milestones.
• Credit card payments
• Bank transfers (ACH/SEPA or equivalent)
• Digital wallets (Apple Pay, Google Pay, etc.)
Security is non-negotiable. The codebase, data flows and storage all have to meet:
• Full PCI-DSS compliance (up to SAQ-D level)
• End-to-end encryption of data in transit and at rest
• Tokenization services to ensure PANs are never exposed to client applications
The switch will serve three distinct environments, so clear, modular integration layers are required:
• E-commerce websites (REST/JSON)
• Mobile apps (iOS & Android SDK hooks or GraphQL)
• Core banking systems (ISO 8583 or ISO 20022 where applicable)
Key expectations
– Real-time routing logic with configurable rules (processor selection, fail-over, load balancing)
– Admin dashboard for transaction monitoring, reconciliation and manual overrides
– Swagger-documented APIs with test harnesses and sandbox keys
– Deployment scripts for both on-prem and cloud (Docker/Kubernetes preferred)
– Unit, integration and penetration test reports demonstrating security controls
I will sign off once the switch passes end-to-end test cases on each platform, produces clean PCI audit artifacts, and processes a minimum 1,000 TPS in a controlled load test. If you have proven experience with payment gateways or switch architecture, let’s talk technical details and agree on milestones.