Fintech B2B & API Platform
Multi-service fintech systems covering AEPS, Aadhaar Pay, BBPS, DMT, PayIn/payment gateway, payout, UPI cashout, account verification, merchant onboarding, wallets, commissions, settlements, reports and admin/user ledgers.
Product-focused Full Stack Developer with 2.5+ years of experience designing and building secure, scalable fintech, payment, banking, B2B and travel technology platforms using Laravel, APIs and modern backend systems.
I care about the complete flow: database, backend, external APIs, interface, deployment and what happens when real users hit the system.
I build and maintain backend-heavy web products where integrations, transaction safety, business rules and maintainability matter. My core work spans Laravel/PHP, API-driven systems, fintech workflows, MySQL transaction logic, production deployment, and third-party provider integrations. I also work with Python/FastAPI and React.js for modern API and frontend use cases.
I have hands-on experience taking provider documentation from integration and testing through production deployment and support. My work includes wallets, financial ledgers, commissions, settlement flows, callbacks/webhooks, KYC/biometric flows, travel booking logic, API wrappers and production troubleshooting.
Technologies I use to build, integrate, debug and deploy production web systems.
Representative product areas from my development work — focused on architecture and problem-solving, not just screenshots.
Multi-service fintech systems covering AEPS, Aadhaar Pay, BBPS, DMT, PayIn/payment gateway, payout, UPI cashout, account verification, merchant onboarding, wallets, commissions, settlements, reports and admin/user ledgers.
Merchant onboarding/activation, biometric authentication, cash withdrawal, balance enquiry, mini statement, Aadhaar Pay, OTP flows, transaction status/query, commission calculation and provider logging.
Biller/category discovery, dynamic customer parameters, bill enquiry, validation, bill payment, callbacks, transaction status and settlement tracking for utilities, recharge, FASTag and credit-card bill payments.
Sender registration, OTP and biometric verification, beneficiary workflows, IMPS/NEFT transfers, validations, wallet debit, commissions, status handling and provider-response logging.
Payment initiation, checkout/redirect, card/UPI flows, webhook processing, UTR/status verification, charges, settlements, reversals, reconciliation and secure wallet integration.
Flight/hotel API flows including search, fare quote/upsell, SSR, booking, ticketing, PNR, booking details, cancellation, agent markup, wallet deductions and booking ledgers.
A concise view of the engineering areas that shaped my current skill set.
Develop and maintain Laravel-based fintech platforms across Admin, API, B2B, merchant, retailer, distributor and agent workflows.
AEPS, Aadhaar Pay, BBPS, DMT, IMPS/NEFT, payout, PayIn/payment gateway, UPI cashout, account verification and merchant onboarding. Build reusable wrapper layers to standardize third-party provider requests and responses.
Balance validation, debit/credit, charges, commissions, settlements, reversals and reconciliation. MySQL transactions and row-level locking help reduce race conditions and duplicate wallet debits.
Status-query, callback and webhook flows that capture request IDs, payloads, provider responses, HTTP status and execution details for troubleshooting and reconciliation.
Mantra/Morpho RD service handling, OTP verification, Aadhaar-based authentication, biometric/KYC flows and device-response processing.
Git/GitHub deployments, Composer, SSL certificates, DNS/subdomains, Laravel permissions/cache optimization, environment configuration and troubleshooting HTTP 500, provider API and server issues.
Laravel, FastAPI and React.js based business applications, portals, dashboards and workflow systems.
Third-party API integration, wrappers, callbacks, logs, authentication and error handling.
Linux server setup, Laravel deployment, SSL, DNS, Apache/Nginx and debugging.
The non-code details that complete my professional profile.
Bachelor of Computer Applications (BCA)
Gorakhpur, Uttar Pradesh · Completed 2023
Senior Secondary (12th) · 2020
Secondary School (10th) · 2018
Languages
Hindi — Native · English — Professional Working Proficiency
A few frames from the part of life that happens between builds, releases and late-night debugging sessions.
For Laravel development, fintech/API integrations, FastAPI, React.js, production deployment or custom software work, get in touch directly.