KistiPay BNPL App & Admin System Creation

@AwaisChaudhry

As the CEO of ZAWN Tech, I take pride in our commitment to deliver top-notch digital solutions, and your KistiPay project is no exception. With over a decade of experience and a team of certified developers, we have all the expertise you need - from Android and iOS app development to API creation, storage management, and security approaches. Our knowledge of REST/GraphQL API design ensures streamlined communication between different components of the system. Drawing on our extensive skills in Blockchain technology and SaaS development, we can create an efficient BNPL app and admin system for KistiPay ensuring 100% scalability. We have hands-on experience with financial automation using trading algorithms, making us well-versed in managing and automating complex payment systems. Our commitment to long-term support means that beyond the completion of the MVP, we'll stay available for monthly maintenance or enhancements that may be required. Excited about this opportunity to make an impact in Bangladesh's financial landscape through KistiPay's intended service delivery, I am confident in our ability to deliver an advanced project architecture complete with user-friendly documentation within your preferred timeline. Choose ZAWN Tech for a reliable, production-ready solution with clear communication handy even after project completion.

@OutsourceMan

As an accomplished freelancer, I bring to the table over 18 years of consolidated expertise in web and app development. I, along with my team at CnELIndia, am deeply invested in this specific domain, having successfully executed projects that mirror the scale and complexity of your envisioned BNPL platform, KistiPay. Our extensive knowledge of relevant technologies - especially Android, API Development, Cloud Computing, Database Design, Mobile App Development, PHP and REST API - gives us an unprecedented edge when it comes to fulfilling essential aspects like user registration & KYC flow, installment scheduling, transaction tracking et al. The wealth of practical experience doesn't just make us cognizant of the numerous potential obstacles and challenges that we might encounter while delivering on your vision but equips us with tested strategies to overcome them as well. Lastly, choosing us also means selecting a highly cost-efficient option without having to compromise on the quality or scalability of the finished product. Not only do we have a detailed breakdown including optional add-ons costs prepared for you but also a plan for monthly maintenance/support cost thus ensuring we will be up and running long after your project is live. The testimonials from our 743 satisfied clients prove that our work is second to none. Partner with me and my team at CnELIndia to champion this revolutionarily beneficial consumer finance option for Bangladesh.

@A2Design

Hello, KistiPay aims to revolutionize the fintech landscape in Bangladesh by enabling users to make everyday purchases through a “Pay-in-4” installment model, making it imperative to develop a robust mobile application and back-office system quickly. Our expertise in delivering scalable, production-ready solutions aligns perfectly with your needs. A2 Design has a proven track record in creating complex systems like the MadPaws marketplace and the TutorTime education platform, both built with Laravel and React.js, showcasing our ability to handle high user volumes while ensuring seamless user experiences. Our full-cycle development approach ensures we address every detail, from the user registration process to admin dashboard functionalities, maintaining strong security protocols throughout. Let’s discuss how we can bring your vision to life. Reach out to explore the next steps!

@Julian29

Hello, HAVE HANDS-ON EXPERIENCE WITH SUCH PROJECT >>>> Multi languages (English and Arabic)Left-To-Right (LTR) and Right-To-Left (RTL) <<<< I have 11+ years of proven experience building fintech, BNPL, and wallet-based systems and clearly understand your requirement to launch KistiPay as a scalable, compliant Pay-in-4 weekly BNPL platform for Bangladesh. The goal is to deliver a production-ready MVP with controlled risk, manual approvals, and a strong foundation for future instant scoring and merchant integrations. -->> BNPL customer app (KYC, installments, limits, reminders) -->> Admin/backoffice with approvals, collections, penalties & reports -->> bKash & Nagad payment integration -->> Configurable BNPL rules & risk controls My approach is clean architecture, secure APIs, modular fintech backend, proper documentation, and agile milestone-driven delivery. I have a few important queries to discuss in chat before proceeding further. Thanks Julian

@corpmember29

I HAVE BUILT BNPL / WALLET / FINTECH SYSTEMS WITH MANUAL-TO-AUTOMATED CREDIT FLOWS — KISTIPAY IS A STRONG, SCALABLE MVP USE CASE. I can deliver KistiPay as a production-ready BNPL MVP designed specifically for Bangladesh regulations and payment behavior, with clean architecture that supports your transition from manual approvals to automated scoring. Core Features (MVP) Customer App (Android & iOS): Phone OTP login, KYC (NID + selfie), Pay-in-4 weekly flow, installment schedule, wallet & limits, payment reminders, transaction history, support tickets Admin Dashboard: KYC review, manual limit & transaction approvals, risk controls, collections dashboard, penalties engine, reporting, RBAC BNPL Engine: Configurable limits, Pay-in-4 logic, overdue tracking, write-off tagging, penalty rules Payments: bKash & Nagad collections (PSP-ready) Merchant Handling (MVP): Manual order entry via admin (expandable to merchant portal/API) User Roles Customer Admin Operations Collections Merchant (future-ready) 2 YEARS FREE ongoing support post-launch (bug fixes & stability) I focus on execution, compliance awareness, and fintech-grade reliability—not experiments. Happy to share architecture approach, timelines, and a transparent cost breakdown on request.

@sunainawbst

KistiPay BNPL App & Admin System Creation Mobile Application | Flutter | React | iOS | Android | Web Application EXPERT Hi, Hope you are doing good. Thanks for sharing this opportunity! I am excited to work on this project as I find it similar to my expertise and interest. I have read your project requirements. Over the past 10+ years, I've built a strong foundation in full-stack development, specializing in mobile app development using iOS, Android, React Native, and Flutter. My proficiency in these languages would allow me to do so with great efficiency. Due to NDAs, links aren’t public—but once you open the chat, I’ll share live demos and walkthroughs. Why you should move forward with me : More than a decade experience in mobile and web app development. Full-time availability as well as daily updates and open to long-term engagements NOTE: Please pan the budget for now, we will discuss over chat. Thanks & Regards, Srishti

@diektech

Hi, This is Elias from Miami. I checked your KistiPay description and based on what you shared, I understand the goal is to build a Bangladesh-first BNPL “Pay in 4 weekly” system with a customer mobile app, a full admin backoffice, and manual approvals at launch before moving toward instant scoring later. This includes phone OTP login, KYC with NID + selfie, installment schedules, reminders, wallet/limit tracking, and a support module. On the admin side, it requires strong collections monitoring, overdue buckets, penalty rules, customer freezing/blacklisting, and reporting for disbursement and default performance. With over 10 years of experience in fintech-style platforms, I’m very interested because I’ve built similar credit + repayment + dashboard systems with secure workflows and scalable architecture. I’d love the opportunity to discuss how I can bring this vision to life with proper documentation, clean APIs, and production-ready delivery. Additionally, I have a few questions regarding your project: -Q1 Which provider or aggregator will be used for bKash + Nagad collections, or do you want me to recommend the best integration option? -Q2 For the penalty logic after 3 months overdue, should the system apply it automatically weekly, or only after a manual collections review? -Q3 For the merchant side MVP, is manual order entry enough, or do you want settlement tracking (pay merchant now vs later) included from day one? Regards.

@SBITServices

Hi Md, I have 5+ years of experience in Flutter. I will design and develop a fully functional Flutter mobile application for your business. The app will be cross-platform, responsive, and optimized for both Android and iOS. I will ensure smooth navigation, clean UI, and reliable performance. My Skills Include: a) Flutter Development – Expertise in building cross-platform mobile apps with responsive UI. b) State Management – Experienced in Provider, Riverpod, and Bloc for scalable apps. c) Backend Integration – Skilled in connecting apps with REST APIs, Firebase, and third-party services. d) Database Handling – Proficient in Firebase Firestore, MySQL, and SQLite. e) Deployment & Support – Experienced with publishing apps on Google Play Store and Apple App Store. Please share your ideas or reference apps, and I’ll help bring your vision to life. Lets connect in chat so that We discuss further. With Regards, Sai

@alexcd2000

Is the KYC process gonna use any third-party verification services, or are we rolling with custom logic? For the app, I'm thinking React Native for smooth cross-platform action, plus Laravel for that backend magic. Let’s make those payment reminders snappy and reporting slick. Happy to draft the SRS and architecture—hit me with any crucial details! *** Preferred Freelancer - great reviews *** Engineer also... Fluent in English, German and Spanish native. ---------------IT Knowledge - CMS: WordPress (Plugin dev. & Woo Ecommerce), Joomla (blogs), Shopify (with Liquid for template edition), Wix & Squarespace - Coding Langs: PHP (web coding), JS (web coding), HTML/CSS (webpages), MySQL (Databases), APIs/JSON, VBA (macros Excel/Access) - Frameworks/Libraries: Bootstrap (html/css), React (JS coding), Node (JS coding), Laravel (PHP coding), CodeIgnater (PHP coding), React Native (App Prototyping) - Compilers: SASS/SCSS (css), PUG (html)

@CANWS

Hi, We can deliver a production-ready BNPL MVP for KistiPay—Android & iOS apps, admin dashboard, and scalable backend—built for “Pay in 4 weekly” workflows in Bangladesh. ✅Key highlights: Customer App: OTP login, KYC, BNPL checkout, installment tracking, wallet, and support module Admin Dashboard: Manual approvals, risk controls, installment monitoring, reporting, and role-based access Payments: Integration with bKash & Nagad BNPL Rules Engine: Limits, penalties, repayment tracking, revenue calculation Merchant Option: Manual order entry for MVP, scalable to API later We’ll provide SRS, architecture & database design, APIs, security, deployment plan, and timeline. Full cost breakdown and optional add-ons included. Experienced in fintech, BNPL, and payment systems, we deliver secure, scalable solutions on time. Thanks

@avinashjain09

Hello, Thank you for the detailed brief. I understand KistiPay is a regulatory-aware, Bangladesh-first BNPL platform, not a quick consumer app. The focus on manual approvals at launch, strict rule control, PSP integration (bKash/Nagad), and long-term scalability shows the right fintech mindset—and that’s exactly how I would approach delivery. We can begin with SRS + Architecture as Phase 1, ensuring regulatory, operational, and business alignment before coding. I’m happy to submit a detailed technical + financial proposal with cost breakdown once we confirm MVP scope depth and platform preference (Flutter/React Native, Node/Nest, PostgreSQL). Looking forward to discussing this in detail.

@mrresearcher99

Hi, Yes, I can deliver the KistiPay MVP. I have 5+ years of experience in PHP (Laravel), Android, and iOS, and I’ve built secure fintech and wallet systems with strong admin workflows and payment integrations. What I will deliver: Customer App (Android & iOS): OTP login, KYC (NID + selfie), BNPL pay-in-4, installment schedule, reminders, wallet & limit view, transaction history, support/tickets. Admin Dashboard: KYC review, manual approval workflow, risk controls (limit, freeze, blacklist), collections dashboard, penalty rules, reporting, role-based access. Core BNPL rules: ticket limits, pay-in-4 logic, overdue tracking, penalty engine, revenue tracking, bad debt write-off. Payment integration: bKash/Nagad (collections + disbursement-ready). Merchant: Manual order entry (Option A) with future API-ready structure. Deliverables in proposal: SRS + user stories + acceptance criteria System architecture + database schema API list (REST) + security approach (PII, encryption, RBAC, audit logs) Deployment plan (AWS/Azure) + CI/CD Timeline & milestones Cost breakdown + monthly support I can start immediately and provide a full technical and financial proposal with a clear milestone plan. If you want, we can schedule a quick call to finalize requirements and timeline. Best, Bhargav

@sagarjain4010

Hello I’ve reviewed the KistiPay requirements and this is a clear, practical BNPL MVP especially the manual approval first approach. I’ve worked on fintech and transaction-based systems where repayments, limits, and admin control are critical, so this fits well with my experience. I can build the full MVP including: -Customer mobile app (OTP login, KYC, Pay-in-4 weekly flow, installment tracking) -Admin dashboard for manual approvals, limits, collections, penalties, and reports -Clean backend architecture designed to scale toward instant approvals later -bKash and Nagad payment integration (collections) I don’t just build screens , I focus on clear business logic, risk controls, and maintainable systems so your team can operate independently after launch. Proper documentation and handover will be included. Happy to share a clear technical plan, timeline, and cost breakdown, and walk you through the best MVP approach before we start. Looking forward to discussing this further. Thanks Sagar

@sgrocean37

Hello, I’ve developed similar to this specifically fintech platforms handling installment logic, KYC verification, and secure payment disbursements. I’ll build KistiPay with a focus on the "Pay-in-4" schedule and ensure the bKash/Nagad integrations handle the weekly collections and disbursement logic flawlessly. Relevant Proof: - Fin-Tech & API Sync: Argyle (Deep financial data and API integration) - Crypto/Fin-tech: Barteos (Complex transaction and wallet management) - Logistics & Sync: Farmer’s Fresh Meat (High-performance web/app synchronization) I’m ready to provide the full Technical Proposal (SRS, Architecture, and DB Schema) you’ve requested. Quick question: For the manual approval phase at launch, do you want the admin to set the ৳500 limit per user individually, or should the system auto-assign the baseline limit upon NID verification? Sagar P.

@mariakhan73700

We propose to design and deliver a production-ready MVP for KistiPay, a Bangladesh-first BNPL “Pay-in-4 Weekly” fintech platform. The solution will launch with manual approvals while being architected for future instant approvals, scoring, and automation based on repayment behavior. The scope includes Android & iOS customer apps featuring OTP login, KYC (NID + selfie), BNPL checkout, installment schedules, reminders, wallet/limit tracking, receipts, transaction history, and a support module. A powerful Admin Dashboard will enable KYC review, customer and limit management, manual transaction approvals, risk controls, collections monitoring, penalty automation, reporting, and role-based access. Core BNPL rules (ticket limits, weekly installments, penalties, write-offs) will be implemented through a configurable rule engine. bKash and Nagad payment collections will be integrated securely. The MVP will start with manual merchant order entry, with a clear roadmap for merchant portals and APIs.

@XanvraTECH

With my proficiency in full-stack web development, database management, mobile app development, and UI/UX design, I am confident in delivering the high-quality BNPL app and admin system that KistiPay requires. Over the years, I have worked on various complex projects which demand scalable architecture and robust security - just like KistiPay's needs. Furthermore, my firm understanding of financial technologies will prove beneficial in implementing the core BNPL rules and integrating payment service providers securely. My portfolio also showcases successful API integrations along with user-friendly interfaces. This makes me the perfect candidate to design a customer app with seamless registration, KYC verification, and BNPL checkout flow. On the other hand, my backend proficiency would be key in developing an efficient Admin Dashboard that manages user approval workflow, risk controls and has comprehensive reporting features for incisive decision-making. I'm also confident in my ability to meet your reporting needs: daily disbursement, collections, outstanding/default rates etc. Lets Chat.

@vipinjain1213

Hi, I understand KistiPay is a BNPL product where trust, control, and risk management matter as much as the app itself. I can help you build a production-ready MVP with customer apps, a strong admin backoffice, and clear Pay-in-4 weekly logic, starting with manual approvals and designed to evolve into automated scoring later. The focus will be on clean KYC flows, transparent installment tracking, and an admin system that makes approvals, collections, and penalties easy to manage from day one. The architecture will be scalable, well-documented, and compliant with Bangladesh payment flows (bKash/Nagad), without over-engineering the first launch. We can start immediately — I will ensure clear, daily communication and fast turnaround. You’ll always know the exact progress. Lets connect over chat so we could discuss the details.

@ciss26

Hello, I hope you are doing well. I understand that you are looking to build a MOBILE APPLICATION and I would be happy to help. I have extensive experience in designing and developing Application and have successfully delivered many projects. What I offer: -Development using the latest technologies -Daily project updates and clear communication -On-time delivery within the agreed timeline -Complete source code provided after project completion -One year of support for the developed work -10+ years of experience in web and app development -Fully responsive, fast-loading, and SEO-friendly design -A powerful super admin panel to manage the entire system Please feel free to initiate a chat so we can discuss your requirements in detail. Thank you and regards, Dheeraj K.

@mahig47

Hello! As per your project post, you are looking to build KistiPay, a Bangladesh-first BNPL app offering “Pay in 4 weekly” installments, along with a customer-facing mobile app, an admin/merchant dashboard, and full back-office controls. The goal is to enable users to complete purchases via BNPL, track installments, and allow admins to manage approvals, monitor risk, and oversee collections, all while maintaining scalable, secure, and production-ready architecture. My focus will be on delivering a robust Android and iOS app that supports OTP login, KYC verification, BNPL checkout, installment tracking, and transaction history, alongside a web-based admin dashboard for manual approvals, risk monitoring, merchant order entry, and reporting. The system will follow clear BNPL rules, include role-based access, and integrate local PSPs like bKash and Nagad. Security, audit logging, and clean API-driven architecture will ensure that both apps and backend are scalable and maintainable. I specialize in fintech applications and complex transactional systems, with a focus on clean architecture, compliance with data privacy, and modular backend services that support expansion, automation, and reporting for finance teams. Let’s connect to align on BNPL workflows, merchant order handling, and reporting priorities so we can deliver a dependable, scalable KistiPay system that meets your pilot and production goals. Best regards, Nikita Gupta.