Develop App Payment Gateway & Auto Payout System

@sirajyusuf99

Hi, I am a backend engineer with experience building transaction-heavy applications, payment integrations, workflow automation systems, and marketplace-style platforms using Node.js, Express, and MySQL/MongoDB. For this project, I can design a complete marketplace payment architecture covering owner onboarding, KYC flow, split settlements, commission handling, webhook processing, reconciliation, refund workflows, database schema, API design, security considerations, and cost optimization strategies. I will also provide a comparison of Razorpay Route, Cashfree Marketplace, and alternative approaches such as platform-led settlements, virtual accounts, and escrow-style models, along with a recommendation tailored for a property rental and PG management platform. Estimated delivery: 4–5 days.

@guptakishan805

As an experienced Full Stack Developer specializing in cutting-edge technologies like React, Node.js, and MySQL, I am confident in my ability to handle all aspects of your project, including the creation of a robust payment gateway and efficient auto-payout system. Over my 5+ years in the industry, I have successfully built similar marketplace platforms with scalable payment architectures which automate payouts while effectively reducing manual intervention. Regarding your choice of split payments via a marketplace payment gateway, my recommendation for UrNest matches up perfectly: Razorpay Route or Cashfree Marketplace. These options simplify account management for thousands of owners and support easy commission deductions, making them suitable for complex operations like property rentals and PG management, much like your platform. Moreover, I possess the requisite skills not just to implement existing solutions but also to come up with novel ideas to enhance your app's payment systems' security, efficiency and interoperability. My deep understanding of methodologies such as escrow-like arrangements, virtual accounts etc coupled with my passion for creating viable long-term strategies will prove invaluable for your vision. By placing your project in my hands, you can be assured of a well-designed architecture with seamless database integration that optimizes cost alongside providing secure transaction processing for maximum scalability.

@rkbalolkhan

Hello, Your project caught my attention because I enjoy designing scalable backend architectures and API-driven systems. My experience includes Node.js, REST APIs, databases, and full-stack application development. I can help design a maintainable payment architecture for your platform and evaluate different marketplace payment approaches based on scalability, automation, compliance considerations, and long-term costs. My approach would include: • Designing database schemas and API structures • Comparing platform collection, split payment, virtual account, and escrow approaches • Recommending the most suitable architecture for a rental marketplace • Planning webhook flows, payout handling, and reconciliation • Documenting the solution for future development A few questions: 1. Which payment providers are you currently considering most seriously? 2. Will owners be individuals, businesses, or both? 3. Are you planning to launch only rental services initially or multiple marketplace categories from the beginning? I believe in clear communication and practical solutions that remain easy to scale. Looking forward to discussing your requirements. Regards, Rahematullah Balolkhan Full Stack Developer | Node.js, APIs & Automation

@Hrolgar

Without idempotent webhook handling, a single network retry during payout can disburse the same funds twice. The payment gateway won't flag it as an error because both requests were technically valid. For this build I'd anchor the whole system on that constraint: every gateway event gets a stable external ID, the ledger rejects duplicates before any funds move, and payout state is explicit (pending / in-flight / settled) so the scheduler never re-dispatches a payment already on the wire. On top of that: a split-payment table tracking buyer payments, platform fees, and seller allocations in integer amounts, plus a background payout job that batches disbursements and reconciles against gateway confirmations before closing each cycle. .NET for the backend services, Postgres for the ledger. One milestone, 3 days: complete gateway integration, split-ledger, and auto-payout scheduler with webhook handler. 12,500 INR is indicative based on the brief; I'll firm up the number once I know which gateway you're integrating with and whether you have an existing DB schema. What gateway are you using, and is this greenfield or does a backend already exist?

@ApieTech

The Razorpay Route split model is the right fit for UrNest — I've implemented this exact architecture for a marketplace in Node.js. Commission deduction and owner payout happen automatically at payment time, no manual transfers needed. I'll deliver: - Architecture comparison of all 4 models (compliance, costs, risk breakdown) - Razorpay Route implementation with DB schema (MySQL) + API structure - KYC onboarding flow for PG/property owners - Webhook handlers for reconciliation, refunds, and failed payments One question before I start: do payouts need to be per-booking (instant transfer) or batch-settled daily? That determines the Route config and compliance path.