Complete PHP Payment Gateway Platform

I need a Laravel-based payment gateway I can host on my own servers, fully equipped for UPI, bank transfer, and card processing at launch. The build should cover an admin console for risk, settlement, and commission rules, plus a merchant console that tracks every transaction through its wallet and ledger while offering automatic daily settlement. Pay-in and Payout REST APIs must include UPI Intent links, dynamic QR generation, and real-time callbacks/webhooks. Resellers will be able to white-label the merchant panel, payment pages, and even the public APIs, so please keep branding layers cleanly separated in the code. A few essentials: • Source code in PHP 8 / Laravel 10 with clear commit history • Staging demo I can access during development • Postman or Swagger-based API documentation, plus a quick-start guide • Docker-ready deployment scripts and basic CI pipeline • Detailed settlement, commission, and reconciliation reports out of the box • At least 30 days of post-deployment support If you have shipped a similar gateway before, share a live demo link, high-level architecture notes, your proposed timeline, and a fixed-fee quote.