We require the development of a full-stack web application that supports the creation of consumer accounts and merchant accounts. This involves storing personal details and credit card data (preferably a third party).
Merchants must be able to submit a 'request to pay' to the consumer, via us. We have built a model which assesses the creditworthiness of the consumer, and we decide if the consumer receives the invoice or gets rejected.
There will be two-factor authentication involved in the customer accepting the invoice. We can arrange for a third party to handle payment details.