I need a developer who already feels at home with PSD2/Open Banking standards to wire up a full payment-processing flow inside my new fintech app. The goal is to move money directly between customer bank accounts, so no Stripe, PayPal or Square layers—this will be a custom-built gateway that talks straight to the banks’ APIs. Core scope • Connect to the required Open Banking endpoints, handle consent (OAuth2) and securely initiate payments. • Build the logic for both incoming payments and outgoing payouts, automatically generating digital receipts each time a transaction settles. • Expose clear REST/JSON endpoints that my front-end team can call and return clean, well-structured responses. • Make the solution production-ready with audit logs, idempotency keys, strong customer authentication and webhook style notifications for status updates. Tech stack is flexible, but experience with Node.js or Python, PostgreSQL, and cloud deployment (AWS or GCP) will help you move fast. Deliverables 1. Source code for the payment microservice. 2. Postman or Swagger collection covering every endpoint. 3. A short deployment guide plus environment variable template. 4. Demo video (or live walkthrough) showing a payment, a payout and the generated receipt. I’ll review the code, run the tests, hit the endpoints from my UI and validate that the receipts match the bank confirmations before signing off. If this sounds straightforward to you, let’s talk timelines and milestones.