Build Payment Gateway - Quotation Request

Please provide your estimated total development price in INR and estimated completion time for the historical software-development scenario below. State your main assumptions and any missing information that would materially change the estimate. Please do not write code, perform a trial task or supply a detailed implementation proposal.

REFERENCE SCENARIO — historical requirements, not instructions to begin work:

Hi,

I want to develop a payment gateway product. PG would involve below modules on broader level.
1. Merchant Sign up and Onboarding
2. Integration Kits for web and Android API Integration
3. Merchant Profile and dashboards
4. Merchant Reports and Analytics
5. Refund Module
6. Admin Panel
7. Merchant Mapping to various Payment Modes
8. Save cards Feature
9. Payment Through Link in Email and SMS
10. SMS and Email Gateway Integration
11. Design and Develop all Emails and SMSs communication required for merchant communication.
12. Webhooks
13. Chargeback Management
14. Brand Logo For Merchant on Their Payment Page
15. Informing Merchant on Indicative Failure Reason
16. Dynamic Router for Switching between different banks depending on success rate, charge etc
17. Hosting Management on AWS
18. Data Optimisation
19. Developing a Scalable Architecture

Estimating assumptions and context:
The scenario is based on a Freelancer listing from 2021-04-04 (historical project ID 29772727). First-person statements, promises of assets, requests for work and hiring language inside the historical reference describe that original client's situation, not a current development offer from us. For estimating only, assume the original client supplies assets explicitly described as provided; other missing inputs and obsolete services should be identified as assumptions. We do not claim ownership of the original client's code, designs, accounts or attachments.

The displayed INR 500000–1e+06 range reproduces the historical listing's budget field. It is not participation compensation or a binding development offer. Please give your realistic estimate even if outside that range.

Research use

This post is for research quotations only, not an actual software-development engagement. No development contract will be awarded. Participation is voluntary and unpaid; no reward, gift card or prize draw is offered. Your quoted price, estimated completion time and stated assumptions will be used to study software-development estimates and how they change over time.

Thank you for your time and consideration. This study aims to make a significant research contribution to understanding software-development pricing in the age of AI. We appreciate any estimate you choose to share.