Cross-Platform UPI App Development

@joomextensions

Hello, I can start immediately and help you develop a secure UPI-enabled mobile application for both Android and iOS. I have experience building cross-platform apps using Flutter with strong focus on performance, security, and scalable architecture. For this project, I propose using Flutter for a single high-performance codebase and a secure backend to handle transactions, authentication, and real-time balance updates. The app will support sending and receiving money, live balance checks, and a clear searchable transaction history. I will implement strong security measures including two-factor authentication, biometric login, and end-to-end encrypted transactions aligned with NPCI guidelines. I will deliver complete source code with documentation, Android APK, and iOS TestFlight/IPA builds. I can also assist through the UPI certification process and deployment on Google Play and the App Store to ensure compliance. I’m ready to begin immediately. Please share more details so we can start the development process quickly.

@pinkeegupta

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. Please consider me and initiate a chat for further detailed discussion. Regards, Anju Logical Soft Tech Pvt Ltd, Indore(M.P)

@mahig47

Hello! As per your project post, you’re looking to build a cross platform UPI enabled mobile application for Android and iOS that allows users to send and receive money, check balances in real time, and manage transaction history securely. The system must follow strict security and compliance standards including multi layer authentication and encrypted transactions. The goal is to deliver a reliable, compliant, and user friendly financial application that performs consistently across both platforms. My focus will be on delivering a complete UPI mobile application, featuring: secure user authentication with two factor and biometric access, seamless send and receive money flow with real time balance updates, detailed and searchable transaction history, end to end encryption aligned with compliance standards, and a consistent cross platform experience with high performance and reliability. I specialize in full stack development with strong experience in fintech applications, secure payment integrations, and scalable mobile architectures using Flutter React Native and backend systems. My focus is on building secure, compliant, and high performance applications with smooth user experience and robust data protection. Let’s connect to review your compliance requirements, user flow, and define a clear MVP roadmap and certification plan. Best regards, Nikita Gupta.

@CreativeIshan

Coming with over a decade of impressive web and mobile app development experience, I believe I have all it takes to execute your UPI app project seamlessly. My strong suits include top-notch proficiency in Android, Flutter, iOS Development, iPhone, and React Native - all important aspects of this specific role. As an ardent follower of current tech guidelines, I merge my skills with the latest industry best-practices inside relevant projects. You will find all these accomplishments emboldened in my extensive portfolio of successful apps. As a skilled developer, I understand the importance of security in UPI applications and assure you that incorporating features like two-factor authentication, biometric authentication and end-to-end encrypted transactions aren't alien concepts to me. A perfect fit for your project is someone who knows their way around implementing these features. Additionally, my advanced knowledge of Kotlin + Swift should ensure that both the Android (APK) and iOS (TestFlight or IPA) builds align perfectly on both platforms to give users the same experience across devices.

@softwarelinkerrs

As a full-stack developer and the founder of SoftwareLinkers, I have led numerous successful projects of cross-platform app development similar to the scale and complexity of your project. The core functionalities you seek involving UPI payments and transactions are familiar territory for me having worked on various finance and banking related projects. Enshrined NPCI guidelines adhere to the letter by implementing secure features like two-factor and biometric authentication will be included in the app. Rest assured, transactions will be doubly encrypted using end-to-end methods. My long tenure with Flutter, React Native and my deep knowledge about mobile app optimizations guarantees identical functionality across both Android and iOS platforms – that means seamless user experience, regardless of their device. The delivered source code will come served with clear documentation for any future modification or expansion work. My software development company prides itself in understanding your business goals, building reliable solutions, và providing long-term support. Choose my team for a collaboration where technical expertise is combined with excellent client communication, meticulous project management skills, prompt delivery, while ensuring zero compromise in security and quality.

@alexandrd24

Hello ? , With a deep focus on cross-platform development for both Android and iOS, I believe I am the ideal candidate for your UPI application project. My proficiency in Flutter, React Native, Kotlin, and Swift, combined with my experience in delivering fully compliant applications makes me an excellent fit. I understand the importance of maintaining identical functionality across platforms while adhering to strict security protocols. Having developed several UPI projects before, I am well-versed with the NPCI guidelines concerning two-factor and biometric authentication as well as end-to-end encryption. My organizational skills enable me to deliver clean codes along with comprehensive documentation that will assist you beyond the completion of this project. The amount revised updated balance in real-time and searchable transaction history features is all part of my capabilities as a full-stack software engineer, and I can assure you optimal performance regardless of device or operating system. Lastly, my commitment to your satisfaction doesn't end with the delivery of the source code and builds. I will provide support through the UPI certification process until your apps go live on both Google Play and the App Store. With me on board, you can expect an engaging collaboration where your needs are understood and executed to perfection. Thanks! Alex

@ashinnd84

Hello there, we are a team of Full Stack Developers and interested in doing your application. Please, send me a message to discuss the work. Thanks Ashish Kumar.

@KarthikTechCon

Hi, I’m Karthik with 15+ years of experience building secure fintech, banking, and payment applications for Android and iOS. I can develop your cross-platform UPI app with features for send/receive money, balance checks, transaction history, beneficiary management, and real-time payment updates. My preferred approach would be Flutter or React Native for a shared codebase, backed by a secure API layer using Node.js, .NET, or Java. The app can include: * UPI registration and bank account linking * Send/receive money via UPI ID, QR, or mobile number * Real-time balance inquiry and transaction history * Two-factor authentication and biometric login * Encrypted transactions and secure token handling * NPCI-compliant workflows and audit logs * Push notifications and fraud detection alerts * Android APK and iOS TestFlight builds * Source code, API documentation, and deployment support I understand the importance of NPCI guidelines, PCI standards, secure encryption, and app certification requirements. I can also assist through the UPI certification process and final Play Store/App Store submission. Estimated timeline: 10–14 weeks depending on certification scope and gateway integrations. Warm Regards, Karthik B Resonite Tech

@TeamGTW

Hello! Based on your project description, you are looking to develop a secure cross platform UPI mobile application for Android and iOS with features like money transfer, balance checking, and transaction history while strictly adhering to NPCI compliance and security standards. I will focus on building a scalable and secure application using Flutter or React Native with a robust backend architecture. The system will include real time transaction handling, UPI integration through certified PSP banks, two factor authentication, biometric login, and end to end encryption aligned with NPCI guidelines. The app will provide a clean dashboard for balance visibility, transaction history with search and filters, and smooth send and receive flows. I will also assist through the full UPI certification process and ensure readiness for Play Store and App Store deployment. I specialize in fintech and secure payment applications with 7 plus years of experience and have done similar work in past please open chat window I can share with you. I focus on compliance, performance, and scalable architecture. Please contact us to discuss bank integration, compliance requirements, and certification process so we can define a clear roadmap. Best regards, Nikita Gupta

@arshig8

Hi, I’ve reviewed your requirements and can deliver a reliable, scalable, and well-structured solution aligned with your goals. I’m a full-stack developer with 4+ years of freelance experience, specializing in MERN, PHP/Laravel, WordPress, Shopify, and Flutter for Android & iOS apps. I focus on clean code, intuitive UI, and performance-driven development to ensure secure and user-friendly applications. I’ve handled projects end-to-end—from planning and design to deployment and support—while maintaining clear communication and meeting deadlines. My approach is simple: understand your vision, set realistic timelines, and deliver exactly what’s promised with long-term value in mind. I’d be happy to discuss your project in detail and suggest the best approach to achieve your objectives efficiently. Looking forward to working with you. Best regards, Arshiya

@dushyant317

I can build a secure, UPI-compliant mobile app using Flutter with end-to-end encryption, biometric + 2FA authentication, and real-time transaction handling across Android and iOS. You’ll get production-ready builds, clean source code, and full support through NPCI certification and store deployment

@Visharaa2024

As an experienced mobile app developer with a specialty in Android, iOS, React Native, and Flutter frameworks for over eight years, I bring to the table an in-depth understanding of what it takes to create a top-notch UPI app that caters to users across both the Android and iOS platforms. I'm committed to producing secure, reliable, and compliant applications, especially in line with your requirement of two-factor as well as biometric authentication that is crucial for any financial application. In previous projects, I've successfully integrated functionalities like money transfers, real-time balance monitoring, transaction history tracking and searching-- all of which are crucial features for your UPI app. Furthermore, I’m well-versed with the current NPCI guidelines and have consistently provided end-to-end encrypted transactions which will be essential for your project.

@nathanholmes

Building a secure UPI-enabled app that supports seamless money transfers and real-time balance updates is a complex task, especially with stringent NPCI security standards requiring two-factor and biometric authentication alongside end-to-end encryption. Ensuring both platforms behave identically while meeting certification criteria is another key challenge. I suggest using Flutter for a unified codebase that simplifies maintenance and accelerates development without compromising security. Implementing native plugins will handle biometric auth efficiently, and I’ll integrate encryption protocols aligned with NPCI guidelines to safeguard transactions. Having developed financial apps with rigorous compliance requirements, I’m confident delivering source code, builds, and certification support. Let me know if you’d like me to outline this further.

@ahmedsaniya5

Hi, I've built UPI-integrated apps before and I know exactly what this project needs — let me be direct. Tech Stack: Flutter (single codebase → Android + iOS) + Node.js backend + AWS Blueprint: ? Security Layer • 2FA (OTP via SMS/email) • Biometric auth (Face ID / Fingerprint) • AES-256 end-to-end encrypted transactions • Full NPCI/PCI-DSS compliance ? Core Features • Send/Receive money via VPA • Real-time balance fetch • Searchable, filterable transaction history • UPI deep-link & intent handling ? Deliverables & Timeline • Week 1–2: Auth + UPI SDK integration • Week 3: Core payment flows + history • Week 4: Security audit + bug fixes • Week 5: APK + IPA builds + store submission • Week 6: NPCI certification support until live Total: 6 weeks | Budget fits within your range I'll handle everything — code, docs, store listings, and I'll stay on until both apps are certified and live. Can we jump on a quick call this week? Best, Saniya Ahmed

@abdf2010

Hey, your project, Cross-Platform UPI App Development looks like a great fit for my skills. I've worked on similar Mobile App Development projects and can deliver solid results. Let me know if you'd like to chat about the approach.

@mihajlodjokic

Let me get it done, I’ll develop a secure, UPI-enabled mobile app for Android and iOS, prioritizing compliance with NPCI guidelines. Your project will be finished in 3-4 weeks, I have built similar financial apps for various clients. Here is how I would approach it: 1. I’ll propose a tech stack utilizing Flutter for cross-platform development. 2. Implement two-factor, biometric, and end-to-end encryption. 3. Deliver source code with comprehensive documentation. 4. Provide Android (APK) and iOS (TestFlight/IPA) builds. 5. Assist with UPI certification and app store deployment. I’ve successfully shipped UPI-compliant apps and am familiar with NPCI requirements. Let’s talk as soon as possible and get it done. Best Regards, Mihajlo

@mohamedg101

Hi there, The best solution for this project is to build the app as a secure cross-platform product with a strong backend and native-grade security flows, so Android and iOS stay aligned while UPI, 2FA, biometrics, and encrypted transactions are handled properly. For a UPI app, the critical part is not just the UI — it is getting the architecture, compliance flow, and certification readiness right. I’d recommend React Native with native modules where required for biometric/device-security handling, plus a backend built for transaction logs, balance sync, and audit trails. One important note: a live UPI app also depends on PSP/bank/NPCI onboarding and certification access. If that path is already available, I can help build the app, prepare the flows, and support the certification process properly. I’ve also worked on a mobile app involving Android/iOS, payments, React Native, Node.js, PostgreSQL, and Firebase, so this type of app flow is familiar. Cost: ₹37,500 || Timeline: 12 days Payment and timeline details can be discussed further to align with your expectations. Best regards, Mohamed

@ttobio69

Hi there, I have read your requirements carefully, and I understand you need a secure cross-platform UPI app for Android and iOS with send/receive money, real-time balance, transaction history, 2FA, biometric authentication, and NPCI-aligned security/compliance. I'm a new freelancer, but I have rich experience in this field. For this project, I would recommend Flutter for the mobile apps and a secure backend/API layer to manage user sessions, transaction flow, audit logs, notifications, and certification-related integrations cleanly. My focus would be on building a stable fintech-grade structure, not just a UI demo. I can help with: -Flutter app for Android + iOS -secure login with 2FA + biometric auth -send/receive money flow -real-time balance and transaction history -encrypted transaction handling -clear documentation and source-code handover -support during UPI certification and store release My approach would be: -define the certified-ready architecture -build the secure transaction and auth flow -integrate the required UPI stack and validations -test thoroughly and support Play Store / App Store release Suggested timeline: 2–3 weeks depending on certification flow and integration readiness. I understand this project requires strong security, consistency across both platforms, and careful documentation, and I can deliver it in a clean and maintainable way. If I work with you, I feel happy. Best regards, Oluwatobi Okedairo

@kanchansharma05

Hi, Thanks for sharing your requirement — I clearly understand what you’re looking to build. I’m a Flutter developer with 2.5+ years of experience, and I can develop your UPI-enabled app for both Android and iOS with a single codebase. **Tech Stack:** Flutter + secure backend (Firebase or APIs) + UPI integration (Razorpay/Paytm or bank APIs) **Features:** * Send & receive money * Real-time balance check * Transaction history with search * 2FA (OTP), biometric login, and secure encrypted transactions **Timeline:** Around 5–7 weeks (may vary slightly based on UPI approval) **Deliverables:** * Source code with documentation * Android APK + iOS TestFlight build * Full support for UPI certification and app launch I’ll make sure the app meets security standards and works smoothly on both platforms. Let’s connect and discuss the next steps. Best regards, Kanchan Sharma