Multi-Channel PCI-Compliant Payment Switch

@AwaisChaudhry

As the founder of ZAWN Tech, a seasoned software company with expertise in building complex and secure systems, I understand the gravity of your project demands. At ZAWN Tech, we believe in delivering fast, secure, and scalable solutions while strictly adhering to required compliance standards and encryption protocols like PCI-DSS. Our extensive experience in breaking down multi-channel systems into clear and modular integration layers will ensure smooth data flows within your e-commerce websites, mobile apps, and core banking systems. From my background in Blockchain development to designing and updating system infrastructure using Docker and Kubernetes, I have the skills to build the robust payment switch you require. Our previous successful projects encompass building payment gateways and switch architectures which makes us ideal candidates for your venture. I also want to mention our seamless development approach that ensures you get fully tested codebases integrated with powerful tools like Swagger documentation for smooth control at every end point of your transactions.

@irsolutions

Having over 10 years of experience in web and mobile development, I understand the importance of building a robust Multi-Channel PCI-Compliant Payment Switch that meets your requirements seamlessly. The key challenge you are facing is the need for a reliable payment switch that can handle various transaction types securely and efficiently. I have a proven track record in fintech solutions, including building payment gateways and switch architectures. My expertise in ensuring PCI-DSS compliance, end-to-end encryption, and tokenization services align perfectly with your project needs. I have successfully delivered similar projects in the past, showcasing my ability to create secure and scalable solutions for real-time transaction processing across multiple channels. With my experience in deploying Docker/Kubernetes and conducting thorough testing, I am confident in meeting your expectations. If you are looking for a dedicated and experienced developer to collaborate on your Multi-Channel Payment Switch, I am eager to discuss the technical details and establish achievable milestones with you. Let's work together to bring your project to life and achieve your desired outcomes.

@diektech

Hi, I’m Elias from Miami. I reviewed your scope carefully — this is a high-throughput payment switch where the real risks are PCI scope control, deterministic routing/failover, and proving 1,000 TPS with clean audit artifacts across REST, mobile, and ISO rails. I’d build the core as a stateless routing engine with a normalized transaction model, strict idempotency, and a rules layer (processor selection, health-based failover, load balancing). Sensitive data never touches client apps: tokenization + HSM-backed key management, envelope encryption, and hardened vault boundaries. Integrations become adapters: REST/JSON + SDK hooks/GraphQL for apps, and ISO 8583/20022 gateways for core banking. Observability and reconciliation are first-class: immutable logs, trace IDs, dispute-safe ledgers, and an admin console for monitoring and overrides. Delivery would include OpenAPI/Swagger, sandbox harnesses, Docker/K8s deploy, and a test plan covering unit/integration plus security evidence aligned to PCI requirements. I have a few questions for clarification: Q1. Do you require the switch to handle PAN at all, or can we enforce full token-only ingestion end-to-end? Q2. Which processors are in scope for V1, and do they support network tokenization / 3DS flows? Q3. For 1,000 TPS, what’s the target mix (card vs ACH/SEPA vs wallets) and latency SLO?

@Julian29

Hello, {{{ I HAVE CREATED SIMILAR APPS BEFORE AND I CAN SHOW YOU }}}} I am a payments and fintech developer with 10+ years of experience building secure, high-performance transaction systems. I have previously designed multi-channel payment switches handling credit cards, bank transfers (ACH/SEPA), and digital wallets with real-time routing, failover, and load balancing. I ensure full PCI-DSS compliance, end-to-end encryption, and tokenization so PANs are never exposed. Modular APIs for e-commerce (REST/JSON), mobile apps (iOS/Android SDK or GraphQL), and core banking (ISO 8583/20022) will be implemented with Swagger documentation, test harnesses, and sandbox keys. I WILL PROVIDE 2 YEARS FREE ONGOING SUPPORT AND COMPLETE SOURCE CODE. We will work using AGILE METHODOLOGY, delivering a fully tested, deployable solution from ZERO TO PRODUCTION, including deployment scripts (Docker/Kubernetes), unit/integration tests, and PCI audit artifacts. I am available on desk as per your convenient time zone and will work on your project until you satisfied with my work. Thanks

@corpmember29

I HAVE BUILT HIGH-THROUGHPUT PAYMENT GATEWAY AND TRANSACTION ROUTING SYSTEMS WITH PCI-COMPLIANT ARCHITECTURE AND REAL-TIME PROCESSOR FAILOVER. Hello, Your requirement for a robust payment switch capable of routing multi-channel transactions aligns with systems I’ve previously designed for payment platforms and fintech infrastructures. I can develop a secure, modular transaction switch that supports high throughput, processor failover, and strict compliance standards. Core Switch Capabilities: • Real-time routing for credit cards, bank transfers (ACH/SEPA), and digital wallets • Rule-based processor routing with failover and load balancing • Transaction normalization layer for multiple payment formats • Tokenization service ensuring PAN data never reaches client applications • End-to-end encryption (TLS + encrypted storage) • High-performance architecture capable of 1,000+ TPS under load User Roles: • Admin: monitor transactions, reconciliation tools, manual overrides, system configuration • Merchants / Integrators: access APIs, manage keys, view transaction reports • Processors: receive routed transactions through secure integration layers

@rahuliitm69

Hi there, We have delivered secure payment gateway and switch solutions with real-time routing, multi-processor support, and full PCI-DSS compliance, which We can show privately. No nuances and We would request to connect once to understand your specific transaction flows, processor integrations, and security requirements so we can plan the implementation efficiently. Kindly ping me at your convenience. Thanks, Rahul A.

@tangramua

Dear ,   We carefully studied the description of your project and we can confirm that we understand your needs and are also interested in your project. Our team has the necessary resources to start your project as soon as possible and complete it in a very short time.   We are 25 years in this business and our technical specialists have strong experience in Java, Mobile App Development, iPhone, Android, Docker, Kubernetes, API Development, PCI Compliance and other technologies relevant to your project.   Please, review our profile https://www.freelancer.com/u/tangramua where you can find detailed information about our company, our portfolio, and the client's recent reviews.   Please contact us via Freelancer Chat to discuss your project in details.   Best regards, Sales department Tangram Canada Inc.     

@XanvraTECH

Hello, I believe I possess the necessary combination of skills to create your desirable multi-channel payment switch. I have successfully built applications that support payment processing in real time, and moreover, implement enterprise-level security protocols to align with PCI-DSS compliance. Using my expertise in Android and iPhone native coding, your mobile apps will be easily integrated into your payment ecosystem. I am well-versed in a multitude of programming languages such as Java and versatile in cloud deployment tools like Docker and Kubernetes. With my knowledge in MongoDB and SQL databases, I'll ensure efficient data processing and management for your various transaction types - credit card payments, bank transfers, digital wallets - while ensuring the sensitive user information is safely tokenized and encrypted for maximum protection. My craftsmanship extends beyond the successful build; I optimize performance to enable minimum 1000 TPS, conduct thorough unit, integration, and penetration tests to fortify security controls resulting in clean PCI audit artifacts. I offer sophisticated admin dashboards with insightful reports facilitating better monitoring, reconciliation, and necessary manual overrides. Enhanced by my adeptness in UI/UX design, aesthetics will not be compromised outside of making pragmatic solutions for your unique case. Lets Connect

@technologybeach

With over a decade of experience as a Full Stack Developer and Software Engineer, I have built and deployed numerous payment gateways and switch architectures similar to what your project demands. My diverse skill set especially in Web & Mobile App Development, Cloud & DevOps, and Third-party Integrations aligns well with the core requirements of your project. I pride myself on building scalable, high-performing digital products that prioritize secure data handling - a key aspect when working with PCI-DSS compliant platforms as sought for this project. I combine my expertise in various programming languages including PHP (Laravel), Node.js, and Python amongst others to ensure clean code delivery. More than just the technical know-how, I bring a deep understanding of user experience design merged with strong backend implementation skills making products that not only work well but are also intuitive to use. Throughout our partnership, you can expect seamless integration of services ensuring smooth transaction flows while maintaining full end-to-end encryptions and tokenization as you've outlined in the project description. In conclusion, I am committed to delivering superior results that surpass your expectations by ensuring your multi-channel PCI-compliant payment switch is designed, developed, thoroughly tested and deployed satisfactorily to handle at least 1000 TPS load.

@ASirbescu

Hello, Python specialist, experienced in building robust server-side applications, I am confident in my ability to meet your project requirements for a multi-channel PCI-compliant payment switch. Having developed various web and mobile applications using REST/JSON and ISO 8583 standards, I am familiar with the integration layers required for your e-commerce websites, mobile apps, and core banking systems. With a deep understanding of the principles of secure coding, I will ensure that your payment switch meets the most stringent security standards, including full PCI-DSS compliance. I am well-versed in end-to-end data encryption and tokenization services that guarantee client PANs are never compromised. My proficiency in Docker/Kubernetes for on-prem and cloud deployment aligns perfectly with your preferences. Beyond technical expertise, what sets me apart is my dedication to quality assurance and comprehensive testing. Prior to final sign-off, rest assured that your platform would have undergone thorough unit, integration, and penetration tests, and processed a minimum of 1,000 TPS successfully. In the end, what you'll get is not just a payment switch but also a clean PCI audit artifacts and glitch-free performance. Let's talk more about this project! Thanks!

@Curveballsol

Hello, I have the necessary know-how to build a multi-channel PCI-compliant payment switch that effectively routes transactions while ensuring full security in compliance with PCI-DSS standards. My proficiency in Swift, Kotlin, Flutter and React Native will enable smooth integration of your e-commerce websites and mobile apps, and my experience with ISO 8583 or ISO 20022 will come handy for your core banking systems. Throughout my career at Curveball, I have consistently worked towards creating dynamic and dependable applications that serve their purpose efficiently. This aligns well with the expectation for a consistent real-time routing logic with configurable rules, an admin dashboard to monitor transactions, as well as ensure fail-over and load balancing. Furthermore, the deployment scripts using technologies like Docker/Kubernetes preferred by you are areas of my expertise. Lets Connect

@a4logic

Hello, With a proven track record in web service provision, ecommerce development, and a strong emphasis on cutting-edge technologies, I believe I am ideally placed to realize your vision for this project. At Our Software, we understand that PCI-DSS compliance and data security are paramount, and we have extensive experience navigating the complexities of these exacting standards. Moreover, our talented team is also highly skilled in REST/JSON API design and implementation - a crucial factor for successful installment of your multi-channel payment switch. Notably, as an experienced mobile app developer with advanced grasp over iOS and Android SDKs , I bring to the table valuable insight into designing payment switch systems specifically tailored for mobile - centric transactions. This is quite significant considering the rising popularity of mobile payment systems such as Google Pay, Apple Pay among others. Additionally, I have personally handled projects that required processing high volumes of transactions up to thousands-per-second while maintaining strict security controls - just as you stipulated for your project. In conclusion, our holistic set of skills including pivotal expertise in building scalable payment gateways, handling end-to-end encryption as well efficient administration dashboards position us firmly as an ideal match for this transformative project. Join me on this journey where your dream becomes our mission; t Thanks!

@Guptapuru304

Hello, We appreciate the opportunity to review your project details for developing a robust multi-channel PCI-compliant payment switch. Your requirements for secure, real-time transaction routing across diverse channels are clear, and we understand the critical importance of meeting PCI-DSS compliance, including end-to-end encryption and tokenization. Having successfully delivered a similar payment infrastructure project, we bring a wealth of experience in building secure, scalable financial systems. Our previous project involved creating a PCI-compliant payment gateway that handled diverse transaction types with real-time processing and modular integration layers, akin to what you're seeking. With over 8 years of expertise, we specialize in AI-First product development and have extensive experience with the required technologies, including Docker, Kubernetes, and API development. Our emphasis on uncompromised quality and transparent collaboration ensures that your payment switch will meet and exceed security and performance benchmarks. We invite you to share more details with us so we can prepare a tailored proposal within 24 hours, outlining our strategic approach and proposed milestones for your project. Let's build an intelligent, scalable solution that meets your business needs. Looking forward to your response. Best regards, Puru Gupta

@codefusion53

Hi Your project requires building a high reliability payment switch with strict PCI DSS controls and real time transaction routing. I have experience working on payment integrations, secure transaction processing pipelines, and high availability API systems, and I can help architect a modular payment switch capable of handling multiple transaction channels and processor integrations. The system would be designed around a secure core routing engine that accepts normalized transaction requests and routes them through configurable rules for processor selection, failover, and load balancing. Security will be implemented through strong encryption, tokenization layers to protect PAN data, and PCI aligned architecture practices so sensitive card data never reaches client applications. I can build the API layer for web and mobile channels, integrate wallet payments and bank transfers, and implement a monitoring dashboard for transaction visibility, reconciliation, and manual overrides. The system will include documented APIs, containerized deployment with Docker or Kubernetes, and automated testing to validate performance and security. Best, Justin

@ZohaibRoy

⭐⭐⭐⭐⭐ Build a Secure Payment Switch for Real-Time Transaction Routing ❇️ Hi My Friend, I hope you're doing well. I've reviewed your project requirements and see you are looking for a robust payment switch. You don't need to look any further; Zohaib is here to help you! My team has completed over 50 similar projects for payment systems. I will ensure the switch accepts various transaction types and meets all security standards. ➡️ Why Me? I can easily build your payment switch as I have 5 years of experience in payment gateway development, focusing on real-time transaction routing. My skills include PCI compliance, encryption, and API integration. I also have a strong grip on cloud deployment and testing methodologies, ensuring a secure and efficient solution. ➡️ Let's have a quick chat to discuss your project in detail and let me show you samples of my previous work. Looking forward to discussing with you in chat. ➡️ Skills & Experience: ✅ Payment Gateway Development ✅ PCI-DSS Compliance ✅ Real-Time Transaction Routing ✅ API Design & Documentation ✅ Encryption Techniques ✅ Modular Integration ✅ Unit & Integration Testing ✅ Dashboard Development ✅ Deployment Automation ✅ Load Balancing ✅ Tokenization Services ✅ Cloud Solutions (Docker/Kubernetes) Waiting for your response! Best Regards, Zohaib

@juanjosec63

Hello, I’m excited about the opportunity to contribute to your project. With my expertise in payment-gateway/switch patterns (routing rules, processor adapters, idempotency, and high-TPS transaction pipelines) plus PCI-minded architecture (tokenization, HSM/KMS-backed encryption, key rotation, and strict network segmentation), I can deliver a real-time switch that safely normalizes card/ACH-SEPA/wallet flows and routes them across multiple processors with configurable failover and load balancing. I’ll tailor the build around clean integration layers for REST/JSON (e-commerce), mobile hooks/GraphQL, and ISO 8583/ISO 20022 connectivity, backed by an admin console for monitoring, reconciliation, and controlled overrides, with Swagger-first APIs and a sandbox/test harness for every connector. You can expect production-grade Docker/Kubernetes deployment for cloud and on-prem, plus the security artifacts you need (PCI audit-ready controls, unit/integration coverage, and penetration testing evidence) and a performance plan designed to hit 1,000 TPS under a controlled load test. Best regards, Juan

@dataspro

Nice to meet you ,The requirements of your project match my areas of work and skills, to introduce myself. My name is Anthony Muñoz and i am the lead engineer for DS Pro IT agency. I have worked for over 10 years as a Full-Stack and software development engineer and have successfully done multiple jobs. It will be a pleasure to work together to make your project. Feel free to discuss about the project with me, greetings.

@DngPhgNam

⭐⭐⭐⭐⭐ ✅Hi there, hope you are doing well! I have developed high-throughput, PCI-compliant payment gateways that effortlessly route multiple transaction types including credit cards and digital wallets in real time. The most critical part is ensuring end-to-end encryption coupled with modular, secure integration layers to meet PCI-DSS SAQ-D compliance. Approach: ⭕ Implement robust, real-time routing logic with configurable fail-over and load balancing ⭕ Design modular API layers for e-commerce REST endpoints, mobile SDKs, and core banking protocols ⭕ Develop an admin dashboard for transaction oversight and manual control ⭕ Use Docker/Kubernetes for scalable deployment both on-premises and cloud ⭕ Provide thorough unit, integration, and penetration testing with full PCI audit artifacts ❓ Do you have preferred payment processors or existing infrastructure to integrate for routing? I am confident in delivering a secure, scalable payment switch that meets your rigorous performance and compliance standards on schedule. Sincerely, Nam

@hireageek

Hi, I'm excited to bid on your project for building a multi-channel PCI-compliant payment switch. With my extensive experience and a strong portfolio of similar projects, including several high-traffic payment gateways, I am confident in my ability to meet all your requirements, including real-time transaction processing across multiple channels like e-commerce sites, mobile apps, and core banking systems. I understand that security is paramount for you, and I have a proven track record of implementing PCI-DSS compliant systems that integrate robust encryption and tokenization methods. My approach ensures that sensitive data is never exposed and that your switch operates smoothly under high loads, maintaining a minimum of 1,000 TPS as you require. I can provide detailed documentation and testing reports to ensure compliance and system reliability. Let's discuss the technical details and how we can align on milestones for your project. What specific integrations or additional features do you envision for the admin dashboard to enhance transaction monitoring? Thanks,