Retail Payment Fintech App Development

I’m building a mobile-first fintech application that lets retailers and their distributors move money quickly and securely. The core objective is straightforward: give both sides of the supply chain a friction-free way to accept and send payments inside the app. At launch the only checkout option we need live is Digital Wallets, and I want full, seamless Apple Pay integration—tokenization, Face ID / Touch ID flow, the works—so users never have to leave the app. I’d like the codebase structured cleanly enough that additional rails (credit-debit cards, bank transfers) can be plugged in later with minimal refactor. High-level scope • Design and build the iOS and Android front ends (React Native or Flutter are fine—whichever you prefer for fastest secure delivery). • Develop the payment microservice that handles Apple Pay token validation, settlement, and webhook notifications. • Create a lightweight admin dashboard where I can track transaction status, refunds, and settlement batches. • Ship automated test coverage and basic CI/CD so I can push new builds without ceremony. Acceptance criteria 1. A retailer can create an order and pay a distributor with Apple Pay in under 30 seconds. 2. Both parties see real-time confirmation and a unique transaction ID in the dashboard. 3. All sensitive data is stored only according to Apple Pay requirements; nothing leaks to logs. 4. Build is delivered with README, environment variables template, and a working test suite. If the above fits your wheelhouse, I’m ready to move fast and iterate.