NQR Payment Platform Design & Deployment

I am building a full-stack payment platform that sits as an application + orchestration layer on top of the Nigeria Inter-Bank Settlement System’s NQR and NIP rails. The core mandate is mass merchant enablement, while still giving consumers a frictionless QR experience.

Scope The work covers everything from architecture through production rollout. You will create a scalable cloud back-end, merchant-focused web and mobile touch-points, consumer-facing apps for easy QR payment scanning, and an open API that third-party fintechs can plug into for value-added services such as data-driven lending and monetisation.

Key requirements • Merchants are the primary users, so onboarding flows, settlement logic, and a dashboard that tracks volumes, fees and incentives must be rock-solid. • Consumers need three essentials: instant QR scanning, clean transaction history, and an in-app customer-support channel. • Security is non-negotiable: two-factor authentication on all sensitive actions, end-to-end data encryption (in transit and at rest), and real-time fraud detection with alerting. • The solution must be container-friendly, horizontally scalable, and instrumented for uptime, performance and audit trails. • Code should be clean, well-documented, and delivered with automated tests and a CI/CD pipeline.

Deliverables

1. High-level and low-level architecture diagrams
2. Infrastructure-as-code scripts and deployment playbooks
3. Back-end microservices, merchant portal, consumer app(s) and fintech API gateway
4. Security implementation (2FA, encryption, fraud rules), plus penetration test report
5. API documentation and developer sandbox
6. Final production deployment on the chosen cloud provider, with monitoring and rollback strategy
7. Knowledge-transfer sessions and hand-over package

Acceptance criteria will be tied to passing integration tests on the live NIBSS test environment and a successful pilot with a sample merchant cohort.

If you have demonstrable experience with QR payments, Nigerian interbank systems, PCI-DSS compliance, and high-volume fintech platforms, I would like to review your approach, timeline, and any relevant live demos or references. Budget: USD 30–250 Skills: Mobile App Development, Ruby on Rails, Cloud Computing, AngularJS, Git, Full Stack Development, Security, Database Management, API Development, Payment Processing