Complete UPI Payment Gateway Platform with Automatic UTR Verification & Admin/Merchant Panels

Project Title: Complete Payment Gateway Platform with UPI, Automatic UTR Verification, Admin & Merchant Panels

1. Project Overview

I am looking for an experienced Laravel/PHP developer or fintech development team to develop a complete payment gateway platform from scratch or customize an existing codebase. The project must include a secure backend, Admin Panel, Merchant Panel, customer-facing payment interface, REST APIs, transaction management, and automatic UTR verification.

The goal is to build a modular, scalable payment platform with complete source code, database, documentation, testing, and deployment support.

Developers with previous experience building payment gateways, fintech platforms, wallet systems, transaction reconciliation, and payment APIs are preferred.

2. Required Technology Stack

Please specify your recommended technology stack and experience with:

- Backend: PHP 8.x and Laravel
- Database: MySQL or MariaDB
- Frontend: HTML5, CSS3, JavaScript, Bootstrap, and optionally Vue.js or React
- API: REST APIs using JSON
- Authentication: Laravel Sanctum or Passport, or another appropriate secure method
- Server: Linux VPS, Nginx or Apache, PHP-FPM
- Queue processing: Laravel Queues with Redis or an equivalent solution
- API testing: Postman
- Version control: Git and GitHub/GitLab
- Automated testing: PHPUnit or Pest
- Documentation: OpenAPI/Swagger

The developer may recommend alternatives with technical justification.

3. Payment Collection (Pay-in)

- UPI Intent integration and supported UPI applications
- Dynamic QR code generation for individual transactions
- Payment request creation API
- Unique transaction ID and merchant reference ID
- Payment status verification API
- Success, pending, failed, and expired statuses
- Transaction amount and reference matching
- Payment expiry and duplicate transaction prevention
- Customer-facing payment page
- Configurable transaction limits and fees

4. Automatic UTR Verification

This is a critical requirement.

The system must support automatic verification of UTR/reference numbers using an authorized and reliable source of bank or payment transaction data.

Required functionality:

- Automatically receive or retrieve transaction records from the authorized source.
- Match UTR/reference number, amount, transaction status, and relevant account details.
- Detect duplicate UTRs and prevent repeated use.
- Prevent wallet crediting when the UTR is invalid, duplicated, or the amount does not match.
- Update transaction status automatically after successful verification.
- Maintain verification timestamps, transaction logs, and audit trails.
- Support pending transactions, delayed confirmations, retries, and manual admin review for unmatched transactions.
- Provide reconciliation reports showing matched, unmatched, failed, and duplicate transactions.

Important: The developer must explain how automatic verification will work technically. A customer-entered UTR or screenshot alone is not sufficient proof of payment. The system must use an authorized transaction-data source, such as an approved bank integration or supported payment API.

5. Automatic Wallet and Ledger Management

- Credit the user's balance only after server-side verification.
- Prevent duplicate credits using transaction IDs, idempotency, and database transaction controls.
- Maintain a complete credit/debit ledger.
- Track pending, available, and settled balances.
- Record transaction fees and adjustments.
- Provide wallet history and reconciliation.
- Maintain an audit trail for administrative adjustments.

6. Payout APIs

Where supported and authorized:

- Create payout requests.
- Check payout status.
- Track processing, successful, and failed transactions.
- Handle timeouts, reversals, and retries safely.
- Maintain payout history and reconciliation reports.
- Provide approval controls and configurable limits.

7. Admin Panel

The administrator must be able to:

- View transaction statistics and dashboard summaries.
- Manage merchants, users, and permissions.
- Monitor pay-ins, payouts, UTR verification, and transaction statuses.
- Search by transaction ID, UTR, merchant reference, amount, and date.
- Manage fees, commissions, and permitted transaction limits.
- View wallet ledgers and balance movements.
- Review unmatched and suspicious transactions.
- Manage API credentials and webhook logs.
- Export transaction and settlement reports.
- View audit logs and administrative activities.
- Manage support requests and system settings.

8. Merchant Panel

- Merchant registration and profile management.
- API key and secret management.
- Transaction dashboard and history.
- Pay-in and payout status tracking.
- Wallet balance and ledger.
- Fee and commission details.
- Settlement and reconciliation reports.
- Webhook URL configuration and delivery logs.
- API documentation and sandbox access.
- CSV/Excel report downloads.

9. Reseller and Commission Management

- Reseller registration and account management.
- Merchant assignment and permissions.
- Configurable commissions and fee structures.
- Merchant-wise transaction monitoring.
- Reseller earnings and balance reports.
- Separate