Mobile Payment & AI Routing

Budget: $699 - $700

I need my existing mobile app to accept payments through PayPal, Stripe, and Square while automatically choosing the best processor for each transaction through AI-driven routing. The goal is to lower fees and reduce declined payments by analysing real-time factors—amount, card type, geo-location, and gateway uptime—before the charge is sent out.

Here is what has to happen: • Embed the latest PayPal, Stripe, and Square SDKs natively in the app (both iOS and Android branches are ready for you). • Build a lightweight decision engine that scores every payment request and routes it to the optimal gateway in under 200 ms. • Expose the routing logic through a clean service layer so future gateways can be plugged in with minimal code changes. • Log each decision with the selected gateway, fallback choice, and response time to a dashboard endpoint I will provide. • Return a single, uniform success/error object to the app regardless of which gateway processed the payment.

I will consider the job complete once all three gateways run in sandbox and live modes, the AI router consistently selects the cheapest successful path in our test matrix, and the unified response format is documented in OpenAPI.