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LipaSwitch is looking for a digital commerce platform that combines a payment gateway, hosted checkout, online storefront, payment links, and developer APIs into a single ecosystem. Rather than requiring businesses to build their own payment infrastructure, Snippe provides ready-to-use tools for selling products and accepting payments online. It is designed for creators, freelancers, SMEs, merchants, and developers. ⸻ Platform Architecture The platform consists of four core layers: SNIPPE PLATFORM Merchant Dashboard │ ┌──────────────┬─────────┴──────────┬──────────────┐ │ │ │ │ ▼ ▼ ▼ ▼ Payment Online Store Payment API Mobile App Links & SDKs │ │ │ └──────────────┴──────────────┬─────┘ ▼ Hosted Checkout │ Mobile Money / Cards / QR │ Settlement Engine │ Bank / Mobile Money Wallet Everything ultimately routes through Snippe’s secure hosted checkout and payment engine. Functional Modules 1. Merchant Onboarding The onboarding process is intentionally simple: • Register an account. • Configure business details. • Generate API keys (if needed). • Add products or services. • Start collecting payments. This allows even non-technical users to begin selling quickly. ⸻ 2. Merchant Dashboard The dashboard acts as the operational control center. Business Management • Merchant profile • Business information • Settlement accounts • Payment settings Sales Management • Products • Customers • Orders • Revenue Finance • Transactions • Payout history • Reports • Reconciliation Developer Tools • API Keys • Documentation • Webhooks • SDKs ⸻ 3. Payment Links This is Snippe’s flagship capability. The merchant creates a payment session and receives: • Full checkout URL • Short payment URL Example: [login to view URL] The link can be shared through: • WhatsApp • SMS • Facebook • Instagram • TikTok • Email • QR Code • Printed media The customer simply clicks the link to access the checkout. Behind the Scenes Merchant │ Create Session │ Generate Link │ Share Link │ Customer Opens Link │ Hosted Checkout │ Payment │ Webhook │ Merchant Dashboard Updated 4.Hosted Checkout Rather than embedding payment forms directly into merchant websites, Snippe hosts a secure checkout page. Checkout Flow 1. Customer opens payment link. 2. Checkout page loads. 3. Customer selects payment method. 4. Payment is authorized. 5. Customer is redirected back. 6. Merchant receives webhook confirmation. This reduces compliance complexity and provides a consistent experience across devices. ⸻ 5. Online Store Merchants can create a basic storefront without coding. Supported product types include: • Physical goods • Digital products • Courses • Coaching • Memberships • Event tickets • Subscriptions Store capabilities include: • Product catalogue • Images • Descriptions • Pricing • Customer checkout • Inventory management • Order management ⸻ 6. Payment Gateway For developers, Snippe exposes REST APIs for payment processing. Supported payment methods: • M-Pesa • Airtel Money • Mixx by Yas • Halopesa • Visa • Mastercard • Dynamic QR Payment types: • Mobile Money (USSD push) • Card checkout • Dynamic QR ⸻ 7. Developer Ecosystem Snippe provides: • REST API • API keys • JavaScript SDK • Python SDK • PHP SDK • WooCommerce plugin • WHMCS plugin • Webhooks Typical integration flow: Get API Key │ Create Payment │ Receive Checkout URL │ Customer Pays │ Receive Webhook │ Update Order 8.Payment Sessions Every transaction begins with a payment session. A session contains: • Amount • Currency • Customer details • Redirect URL • Checkout URL • Payment link • Reference ID The merchant creates the session through the dashboard or API before sending it to the customer. ⸻ 9. Metadata Support One notable developer feature is support for metadata attached to payment links. Merchants can associate a payment with information such as: • Order ID • Customer ID • Subscription ID • Product code When the payment completes, this metadata is returned in the webhook, enabling automated fulfilment and reconciliation. ⸻ 10. Webhooks Webhook events allow merchant systems to react automatically. Typical actions include: • Mark order as paid. • Unlock a digital download. • Enrol a student. • Send a receipt. • Update inventory. This removes the need for manual verification. ⸻ 11. Reporting & Analytics The merchant dashboard provides: • Revenue reports • Transaction history • Settlement tracking • Real-time monitoring • Exportable reports • Automated reconciliation ⸻ 12. Mobile App The mobile application allows merchants to: • Track payments. • Monitor sales. • View transactions. • Initiate payouts. • Manage their business remotely. ⸻ 13. Integrations Snippe integrates with: • Custom websites • WooCommerce • Shopify • WordPress It also provides APIs for developers to build custom integrations. ⸻ 14. Settlement & Pricing According to the published pricing: • Mobile money collections: 2.5% per transaction. • Card collections: 3.0% per transaction. • No monthly subscription fee for standard accounts. • Instant settlement for many local payment methods. • Payouts supported to mobile money and bank accounts. ⸻ End-to-End Transaction Flow Merchant Creates Product │ ▼ Creates Payment Session │ ▼ Gets Payment Link │ ▼ Shares Link │ ▼ Customer Opens Hosted Checkout │ ▼ Selects Payment Method │ ▼ Payment Processed │ ▼ Webhook Notification │ ▼ Merchant Dashboard Updated │ ▼ Settlement to Bank or Mobile Wallet Strengths Snippe’s key strengths include: • Fast, no-code merchant onboarding. • Shareable payment links for social commerce. • Secure hosted checkout. • Unified support for Tanzanian mobile money, cards, and QR payments. • Developer-friendly APIs, SDKs, and webhooks. • Integrated storefronts for digital and physical products. • Simple transaction-based pricing. Opportunities for LipaSwitch If you are designing LipaSwitch, the strongest strategy is not to replicate Snippe but to build on its foundation. High-value differentiators include: • A unified merchant and consumer wallet. • AI-driven fraud detection, business analytics, and merchant financing. • Multi-vendor marketplaces with automated commission splitting. • Escrow services for marketplace transactions. • Native transport integrations (bus, rail, airlines, ferries). • Government payment collection and reconciliation. • Cross-border payments within East Africa. • White-label payment services for banks and enterprises. • A broader API ecosystem (SMS, WhatsApp, KYC, identity verification, ticketing, utility payments). That approach positions LipaSwitch as a comprehensive financial and digital commerce infrastructure platform rather than simply a payment-link service.
Project ID: 40596375
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291 freelancers are bidding on average $2,213 USD for this job

Hi, This is a platform-flow project focused on making onboarding, payment session creation, hosted checkout, webhook updates, and merchant reconciliation work smoothly together. I understand that if any step is weak, merchant trust is affected quickly. I would begin by defining the MVP transaction flow and core data model: merchant accounts, business settings, API keys, payment sessions, metadata, checkout URLs, and webhook handling. This ensures the dashboard, payment links, storefront, and APIs stay aligned as the product grows. Relevant experience and focus: - Merchant onboarding flows - Payment session creation - Hosted checkout implementation - Webhook and order update logic - Dashboard modules for transactions, products, and payouts My approach is to keep the merchant dashboard simple, support a reliable payment link journey for non-technical users, and ensure the system remains developer-friendly and scalable. Question: should the first release prioritize the merchant dashboard and payment links, or the full flow including storefront, developer APIs, and settlement tracking from day one?
$1,787 USD in 20 days
9.4
9.4

Hello, I hope you’re doing well. My name is Vishal Nasit, and I represent OM Infowave Software Pvt. Ltd. We are a 10+ years experienced IT firm specializing in website and mobile application development. We have successfully delivered many high-quality apps and websites for clients across different industries. ? Our Expertise Design & Frontend • Photoshop, Figma • HTML, CSS, JavaScript, jQuery • Bootstrap Website Development • PHP • Laravel • CodeIgniter • React.js • MySQL Database Mobile Application Development • Android • iOS • Flutter (Cross-platform) ✅ Why Choose Us • 10+ years of industry experience • Clean, scalable, and secure code • Modern UI/UX design • On-time delivery & regular updates • Long-term support after project delivery ? Our Approach 1. Understand your exact requirements 2. UI/UX design approval 3. Development with regular milestones 4. Testing & quality assurance 5. Final delivery and deployment 6. Ongoing support if required ? Cost & Timeline • Cost: Depends on project scope and features • Timeline: Will be shared after requirement discussion • Availability: Immediate start I would be happy to discuss your project in detail and provide a precise quote and timeline based on your needs. Looking forward to working with you. Best regards, Vishal Nasit OM Infowave Software Pvt. Ltd.
$1,500 USD in 40 days
8.3
8.3

Hey, i will build a clean and professional multi platform digital commerce solution for your payment ecosystem that is focused on helping merchants accept payments easily, manage sales, create payment links, and grow their online business through a secure and scalable platform. I will work directly on the required technology stack to develop the merchant dashboard, hosted checkout, payment links, online storefront, REST APIs, webhooks, reporting system, and mobile application with smooth user experience and secure payment workflows. I will also ensure proper architecture for integrations like mobile money, cards, QR payments, SDKs, and future expansion including marketplaces, wallets, and advanced analytics. i am interested to doing this work and i am agree with your budget. Do you already have a preferred technology stack or payment providers/API documentation that you want me to follow for your project? portfolio: https://www.freelancer.com/u/Hammadhassan21 Best Regards: Hammad Hassan
$1,500 USD in 15 days
7.3
7.3

Hello there, I've reviewed the plan for LipaSwitch. You're building a unified commerce platform where merchants onboard, create products, and then generate payment links or use an API. A customer uses this link to access a hosted checkout, paying with Mobile Money/cards. The system then processes the payment, sends a webhook for fulfillment, and handles settlement to the merchant. It's a full payment lifecycle abstraction. Technical approach: A microservice backend (Spring Boot) for scalability, with a React-based merchant dashboard. PostgreSQL for transactional integrity. Payment gateways like M-Pesa will be integrated via modular adapters. The entire system would be deployed on AWS using Docker. Core modules: - Merchant Lifecycle: Secure onboarding, profile, and settlement account management. - Payment Session Engine: Creates and tracks payment links/API sessions with metadata. - Hosted Checkout Gateway: A secure, central page to orchestrate various payment method APIs. - Settlement & Webhook Service: Manages transaction ledgers for payouts and sends real-time event hooks. Relevant systems: We built Bison360, a full ERP with Stripe/Square integration, handling complex order and payment lifecycles. We also developed ZappStore, a no-code e-commerce platform for merchants. Our strategy is to build an MVP focused on the core payment link workflow with one provider (e.g., M-Pesa) first, then layer on more gateways, the storefront, and developer APIs. A few questions to clarify the scope: 1. Does LipaSwitch need to be a licensed Payment Service Provider in Tanzania, or will it layer on top of existing licensed processors? 2. For the initial MVP, which single payment method (M-Pesa, Airtel, Visa) is the highest priority? 3. For the AI fraud detection feature, what specific types of fraudulent transactions are the primary concern? Regards, Rohit
$1,500 USD in 90 days
7.6
7.6

Hey, I will deliver the LipaSwitch platform as four connected layers: merchant dashboard with onboarding, hosted checkout routing through M-Pesa/Airtel Money/cards/dynamic QR, a no-code online storefront supporting physical goods, digital products, and subscriptions, plus REST APIs with webhooks and metadata support for automated fulfilment. On a similar commerce platform build, structuring payment sessions with metadata return on webhook cut manual reconciliation for merchants to near zero. I will apply that same architecture here. Questions: 1) For the settlement engine, are you integrating with a specific banking partner in Tanzania, or do you need the system to support multiple payout rails from day one? Looking forward to talking through the details. Kamran
$1,672 USD in 25 days
7.9
7.9

Hi there, We understand that you're looking to develop a comprehensive digital commerce platform, LipaSwitch, which integrates payment gateways, hosted checkouts, online storefronts, and developer APIs, similar to Snippe. Our team at Webbook Studio has experience in developing e-commerce solutions, including a WordPress e-commerce website for a fashion brand and an online shop for a Scandinavian fashion brand, utilizing technologies such as WooCommerce, custom design, and Figma. With our expertise in PHP, JavaScript, and REST APIs, we can help you build a secure and unified platform that supports various payment methods and provides a seamless experience for merchants and customers alike. What specific features or functionalities from Snippe would you like to prioritize or differentiate in LipaSwitch, and how do you envision the platform's architecture and workflow? Feel free to message us to discuss the details! — Webbook Studio
$1,600 USD in 30 days
7.4
7.4

I can build Snippe as a secure commerce/payment ecosystem, not just a storefront: merchant dashboard, payment links, hosted checkout, product/catalogue management, transaction reporting, settlement/reconciliation views, REST APIs, webhooks, and SDK/plugin-ready documentation. For this kind of platform I would start by locking the core payment-session model and merchant onboarding flow, then deliver an MVP with: product/catalogue setup, checkout URL generation, mobile money/card/QR provider abstraction, webhook delivery with retries/signing, API keys, transaction ledger, and admin reporting. I have built similar backend-heavy SaaS and payment workflows where reliability, audit logs, and clean developer APIs matter as much as the UI. A few quick questions before implementation: 1. Do you already have payment provider accounts/APIs for M-Pesa, Airtel Money, Visa/Mastercard, QR etc., or should we design adapters first and connect providers in phases? 2. Should settlement/reconciliation be automated from provider callbacks, manual CSV/import based, or both? 3. Is the mobile app required in the first release, or should the first milestone focus on web dashboard + hosted checkout + APIs? I can help you turn the detailed spec into a phased build plan and start with the architecture, database schema, API contracts, and first working payment-link/checkout flow.
$2,250 USD in 30 days
7.3
7.3

Hi I understand you are looking for a digital commerce platform that brings payment gateway capability, hosted checkout, payment links, an online storefront, and developer REST APIs into one unified ecosystem—so merchants can start selling quickly without building their own payment infrastructure. I’m an AI and web developer focused on turning complex payment and commerce flows into reliable, reusable systems. For a platform like this, I prioritize secure end-to-end transaction handling (sessions, hosted checkout, webhooks), clean API boundaries, and operational tooling in a merchant dashboard, with analytics and fraud signals designed to be actionable. I would structure the work around the four core layers you outlined: merchant onboarding and settings, the merchant dashboard (products/customers/orders/finance and developer tools), payment links that create payment sessions and route customers into hosted checkout, and the payment gateway + settlement engine behind the scenes. From there, I’d connect webhook-driven updates to orders/inventory and ensure reporting and payout history stay consistent, plus validate metadata support for automated fulfillment. To keep delivery practical, I’d produce a working setup that includes API key management and documentation, webhook event contracts, dashboard data models for reconciliation, and reusable checkout/store templates so integrations (custom sites/WooCommerce/Shopify-style flows) have a stable foundation. Best, Justin
$2,250 USD in 7 days
6.8
6.8

Hello, With years of experience in mobile app and software development, my team and I at Yasir Software are well-equipped to build your all-inclusive digital commerce platform. Our portfolio showcases our proficiency at creating user-friendly dashboards, robust payment gateways, and adaptable developer APIs. Our expertise in mobile app development ensures that we understand the importance of simplicity and accessibility when it comes to onboarding processes and the checkout flow. We specialize in creating platforms that can be easily navigated by both technical and non-technical users while maintaining utmost security. This aligned perfectly with your vision to offer a straightforward process for merchant onboarding. Moreover, our skills extend to creating smooth online experiences for your customers, such as hosted checkout pages and functional online storefronts. We understand the importance of customized product types and comprehensive store capabilities that require little-to-no coding from the merchant's end, which is exactly what you're looking for. At Yasir Software, we believe in delivering quality results within the specified time frame and ensuring our clients' satisfaction at every step. Choose us for a digital commerce platform that combines high performance with simplicity to help your business thrive with no compromises! Thanks!
$1,600 USD in 12 days
6.8
6.8

Understanding the need for a robust digital commerce platform, our team is prepared to create a seamless ecosystem that integrates payment gateways, hosted checkouts, and user-friendly dashboards. We aim to simplify the onboarding process, enabling merchants to start collecting payments with minimal effort. The focus on a secure hosted checkout and shareable payment links aligns perfectly with your requirements. We will ensure that every aspect, from the merchant dashboard to the payment API, is intuitive and efficient. With expertise in REST APIs, JavaScript, and mobile app development, we have 20+ 5-star reviews on similar projects! Our priorities include clear communication, top-notch quality, and on-time delivery. If you'd like, I can also share similar work we've completed and discuss the best approach for your project. Regards, JP
$1,650 USD in 7 days
6.8
6.8

As a seasoned web and app developer with over 8 years of experience, I am confident that I possess the skills necessary to handle the development of your digital commerce platform. My focus on writing clean, well-structured code aligns perfectly with what you need – a reliable, easy-to-use, secure platform. I've also built various user-friendly websites and applications which share similar features, functionalities, and components as outlined in your project description. Considering Snippe's purpose of aiding non-technical users to get started with their online selling businesses quickly, I have proven my ability to make complex technical solutions accessible through simple and intuitive interfaces. This could be seen in my track record of delivering modern, straightforward solutions with optimal usability.
$1,500 USD in 10 days
6.6
6.6

Hi, I can develop the core architecture around a secure payment engine connecting merchant onboarding, payment sessions, hosted checkout, payment links, online storefronts, and settlement workflows. Key features I can deliver include: * Merchant registration, onboarding, and business management * Merchant dashboard for products, customers, orders, revenue, and transactions * Payment links with short URLs and QR codes * Secure, mobile-friendly hosted checkout * Mobile Money, card, and Dynamic QR payment integrations * Payment sessions with metadata and reference IDs * REST APIs, API key management, SDKs, and developer documentation * Webhooks for real-time payment confirmations and automated fulfillment * Online storefronts with products, inventory, orders, and subscriptions * Reporting, analytics, reconciliation, and settlement tracking * Merchant mobile app for monitoring payments and sales * WooCommerce, Shopify, WordPress, and custom website integrations I’ll focus on security, reliability, scalability, and a clean modular architecture that can easily support additional payment methods and integrations in the future. I’d be happy to discuss your preferred technology stack, payment providers, MVP priorities, and development roadmap. I’m ready to help turn LipaSwitch into a robust, production-ready payment and commerce platform. Infineosoft Price and time is placeholder
$2,100 USD in 30 days
6.6
6.6

Hello With our impressive skillset that encompasses modern web and mobile app development, AI integration, backend development and API engineering among many others, Fourge can assuredly deliver on the challenging task of developing your digital commerce platform. Our thorough understanding of the project's four core layers makes us the ideal choice for the job. From constructing your merchant dashboard complete with business management controls, sales tracking, and financial analysis to infusing developer tools like APIs, documentation, webhooks and SDKs, we leave no stone unturned in ensuring smooth operations. The creation of payment links for easy sharing across multiple platforms such as WhatsApp, SMS or QR code is an aspect that our team particularly specializes in. Not only will we meticulously create these links for you, but also set up your Hosted Checkout page which ensures a secure transaction process with minimal compliance complexities. Additionally, our expertise in building functional features like inventory-management and order-management will allow you to smoothly operate an online storefront and track all transactions seamlessly.
$1,500 USD in 1 day
6.3
6.3

Hey Mate , Good evening! I’ve carefully checked your requirements and really interested in this job. I’m full stack node.js developer working at large-scale apps as a lead developer with U.S. and European teams. I’m offering best quality and highest performance at lowest price. I can complete your project on time and your will experience great satisfaction with me. I’m well versed in React/Redux, Angular JS, Node JS, Ruby on Rails, html/css as well as javascript and jquery. I have rich experienced in API Development, Mobile App Development, Data Analytics, Cloud Computing, Payment Processing, Web Development, Software Development, Business Analytics, REST API and Fraud Detection. For more information about me, please refer to my portfolios. I’m ready to discuss your project and start immediately. Looking forward to hearing you back and discussing all details.. With regards
$2,500 USD in 4 days
6.4
6.4

Building everything around a hosted checkout is the right call, but the part that usually causes problems is keeping payment sessions, webhooks, settlements, and merchant reporting in sync when asynchronous payment methods like mobile money are involved. I'd structure LipaSwitch so the payment session becomes the single source of truth from the moment it's created until settlement. That keeps payment links, hosted checkout, API integrations, and the merchant dashboard consistent while making reconciliation much simpler. I'd also make webhook processing idempotent so duplicate delivery can't mark the same order as paid twice, which is a common edge case with payment platforms. The opportunity isn't just matching Snippe's feature set but making the platform easier to extend as new payment providers, plugins, and APIs are added. One question that would affect the architecture: are you expecting this as a greenfield platform, or is there already an existing payment engine that LipaSwitch will build on?
$2,000 USD in 7 days
6.4
6.4

Respectfully, I understand you need a complete digital commerce and payment ecosystem similar to leading fintech platforms, combining merchant onboarding, hosted checkout, payment links, storefronts, APIs, dashboards, mobile experience, and secure settlement flows. The goal is to build a scalable platform that enables businesses, developers, and customers to transact seamlessly across multiple payment channels. I can help develop a robust fintech solution with clean, semantic, well-commented code, secure API architecture, responsive dashboards, payment integrations, and high-performance user experiences. My focus would be on scalable backend design, reliable transaction flows, developer-friendly APIs, pixel-perfect interfaces, and quality implementation across web and mobile platforms. I prioritize clear communication, structured milestones, and timely delivery throughout the project. I’d be glad to discuss your preferred technology stack, architecture approach, and roadmap for building LipaSwitch into a complete commerce infrastructure platform. Best regards, Zain Ali
$1,500 USD in 7 days
6.4
6.4

Hello, Building a digital commerce platform is no easy task, but with over 10 years of experience as a leading web development company, my team and I at WellSpring Infotech have the skills and expertise to deliver a high-quality eCommerce solution tailored to your unique project requirements. We have extensive experience building on WordPress, WooCommerce, Shopify, Magento, and more - making us well-versed in the platforms and tools needed to bring your vision to life. In particular, we understand the importance of creating an intuitive merchant onboarding process that allows even non-technical users to start selling quickly - a key feature stated in your project requirements. We also understand the significance of a robust Merchant Dashboard that provides all-around control for business, sales, finance and developer management - something we are adept at designing and implementing for you. Our commitment doesn't end at delivery; rather it continues with long-term technical support to ensure smooth operations even after the project is completed. So let's connect and create a digital commerce platform that exceeds your expectations and drives measurable results for your business! Choose WellSpring Infotech for a secure, scalable solution with modern design aesthetics. Ready to get started? Let's build an eCommerce experience that helps your business grow and succeed online. Thank you
$2,500 USD in 25 days
6.4
6.4

Hi I will be able to help you. Please message me so that we will have detail technical discussion. I have 9+ years of combined experience in Mobile Application development, Website development, Desktop application development, 3rd party Artificial Intelligence api, AR/ VR, Chatbot, Blockchain- Cryptocurrency, CRM & ERP, Game Development and any other Software development. I am having expertise in Native on Android Java, kotlin and IOS Swift, and For Hybrid Cross platform on Flutter Dart & React- Native and for web and backend on react js and node js, Python Django , java spring boot and php CodeIgniter mvc and Laravel. Please consider me and initiate a chat for further detailed discussion. Regards, Anju
$2,000 USD in 45 days
6.5
6.5

Hi, You’re building a unified commerce platform with hosted checkout, payment links, and developer APIs. I’ve shipped merchant onboarding and dashboards for SMBs, focusing on simple flows and reliable payment experiences. I’d start by validating the current checkout path, isolate unstable parts, and ship a minimal payment-link flow to collect real usage data. I’d align API surface choices with the needs of non-technical merchants while ensuring webhook and metadata handling is robust. One technical risk / key challenge: Handling metadata on payment links and ensuring idempotent webhooks across partners is a practical concern. Two clarification questions: \"What should happen if a payment session is created but the customer abandons and later returns with updated cart data?\" \"Do you expect real-time reconciliation and multi-wallet support across East Africa from day one? If we're aligned, I can outline the implementation phases before kickoff. Best regards, Brandon
$2,000 USD in 15 days
6.0
6.0

Hello, Is your team considering using a specific tech stack for this platform? Does LipaSwitch have any existing integrations or partnerships you plan to leverage? Excited to work on LipaSwitch! I’ll approach this by leveraging Snippe’s structure as a foundation and introducing high-value differentiators. A key challenge will be developing robust AI-driven features, which I’ll tackle by focusing on scalable solutions. I can share previous examples in chat. Let’s discuss the details and map out the next steps in a quick chat or call. Feel free to message me anytime!
$1,500 USD in 25 days
6.1
6.1

Dar es salaam, Tanzania, United Republic of
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