Only bid if you have build this before. am building a robust payment switch that routes transactions from multiple front-end channels to a variety of processors in real time. The core engine must reliably accept, normalize and forward the following transaction types: • Credit card payments • Bank transfers (ACH/SEPA or equivalent) • Digital wallets (Apple Pay, Google Pay, etc.) Security is non-negotiable. The codebase, data flows and storage all have to meet: • Full PCI-DSS compliance (up to SAQ-D level) • End-to-end encryption of data in transit and at rest • Tokenization services to ensure PANs are never exposed to client applications The switch will serve three distinct environments, so clear, modular integration layers are required: • E-commerce websites (REST/JSON) • Mobile apps (iOS & Android SDK hooks or GraphQL) • Core banking systems (ISO 8583 or ISO 20022 where applicable) Key expectations – Real-time routing logic with configurable rules (processor selection, fail-over, load balancing) – Admin dashboard for transaction monitoring, reconciliation and manual overrides – Swagger-documented APIs with test harnesses and sandbox keys – Deployment scripts for both on-prem and cloud (Docker/Kubernetes preferred) – Unit, integration and penetration test reports demonstrating security controls I will sign off once the switch passes end-to-end test cases on each platform, produces clean PCI audit artifacts, and processes a minimum 1,000 TPS in a controlled load test. If you have proven experience with payment gateways or switch architecture, let’s talk technical details and agree on milestones.