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CRO | CTO | STRIPE CONNECT | STRIPE BILLING | STRIPE RADAR | STRIPE API | STRIPE CHECKOUT | STRIPE TERMINAL | FINTECH | SAAS | AI | PAYMENTS | COMPLIANCE ( PCI DSS, GDPR) CRO | Meta Ads | Google Ads | ROAS | CAC XERO | QUICKBOOKS | ACCOUNTING SOFTWARE INTEGRATION FRACTIONAL CTO SERVICES | SCALABLE MVP DEVELOPMENT | REMOTE TEAM LEADERSHIP | TECHNICAL ROADMAPPING | STRIPE CONSULTING & DEVELOPMENT | AI | AUTOMATION Fractional CTO | 17+ Years IT Leadership | FinTech & Healthcare | Scalable MVPs | Stripe & Payments Expert I bring 17+ years of experience in technology, 10 years in FinTech and 2 years in AI—leading startups from concept to scale. As a Fractional CTO, I specialize in architecting investor-ready MVPs, building and managing remote engineering teams, and aligning technical roadmaps with business milestones. My approach balances speed-to-market with the long-term stability investors expect. As a Certified Stripe Expert, I’ve delivered 200+ projects across SaaS, eCommerce, and healthcare, helping founders design, integrate, and optimize payments that drive revenue and meet global compliance standards. Beyond Stripe, I manage full product lifecycles, ensuring delivery on time, within budget, and aligned with growth objectives. I’m also passionate about AI-driven automation, applying conversational AI, intelligent bots, and no/low-code workflows to simplify operations and create scalable, cost-efficient systems. What I Offer: Fractional CTO leadership & technical roadmapping Stripe consulting, integration, and optimization Scalable MVP development with investor alignment End-to-end project & product management (Agile/Scrum) AI-powered automation for payments, SaaS, and operations If you’re looking for a CTO who blends deep technical expertise with executive strategy, I’d be glad to help shape and scale your product. SKILLS: ✓✓✓ Payment Gateway Integrations ✓✓✓ Payment Gateway Migrations ✓✓✓ Technical Roadmapping ✓✓✓ Startup Fundraising Support ✓✓✓ Cloud Architecture (AWS, GCP, Azure) ✓✓✓ Remote Team Leadership ✓✓✓ SaaS Architecture ✓✓✓ Healthcare Technology (HIPAA, HL7, FHIR) ✓✓✓ FinTech Compliance (PCI DSS, PSD2) ✓✓✓ Scalable MVP Development ✓✓✓ Vendor Management ✓✓✓ AI Software Development ✓✓✓ AI Agent Development ✓✓✓ No/Low Code Development • STRIPE • PAYPAL • Authorize.net • 2 Checkout • Sage Pay • Square • WorldPay • RazorPay • WeChat Pay • iDeal • Klarna • QuickBook TaxJar • Xero • AI • ChatGPT • LangChain Tech Stack & Leadership Capabilities ✓ DevOps & Infrastructure: CI/CD pipelines, Docker, Kubernetes, infrastructure-as-code (Terraform, Ansible), monitoring & observability (Datadog, Prometheus, Grafana). ✓ Cybersecurity & Compliance: Identity and access management, encryption standards, SOC2 & GDPR compliance, penetration testing oversight. ✓ Data & Analytics: Data pipelines, ETL, real-time processing (Kafka, Spark), business intelligence dashboards. ✓ Mobile Oversight: iOS/Android (Swift, Kotlin, React Native, Flutter) – leadership & architectural guidance. ✓ Scalability & Reliability: Microservices architecture, high availability (HA), disaster recovery (DR), event-driven systems. ✓ Product Strategy: Product-market fit, UX/UI oversight, customer-driven roadmaps, investor milestone alignment. Core Development Expertise: ✓ Languages & Frameworks: Python, Java, Node.js, Next.js, PHP, Java EE (Servlet, JSP, EJB, Hibernate, Spring). ✓ Web & CMS: WordPress, WooCommerce. ✓ Databases: MySQL, Oracle. ✓ Cloud: AWS, GCP, Azure. ✓ OS: Linux, Windows. ✓ Front-End: JavaScript, jQuery, AJAX, Node.js. ✓ APIs & Integrations: REST APIs, ChartMogul, Twilio, Mailchimp, HubSpot, Facebook Graph, Google Maps, Twitter. ✓ Video Handling: Cloudflare Stream (direct upload, processing, secure playback). ✓ Tooling & Automation: Jenkins, MQ, Agile/Scrum workflows.

Welcome to my profile! With over a decade of experience in WordPress development, I bring a wealth of knowledge and expertise to every project. I specialize in tackling the most intricate and challenging aspects of the platform, from crafting custom plugins to seamlessly integrating various APIs. My skill set extends to troubleshooting complex errors and devising solutions for unique functionalities. Whether it's building custom features from scratch or enhancing existing ones, I thrive on delivering tailored solutions that meet my clients' specific needs. In addition to development, I also offer comprehensive maintenance services to ensure your WordPress website remains robust and up-to-date. Furthermore, I have extensive expertise in WooCommerce and incorporating all aspects of e-commerce into WordPress sites. Whether you're looking to set up a new online store or optimize an existing one, I have the knowledge and skills to help you succeed in the competitive e-commerce landscape. Let's collaborate to turn your WordPress vision into reality. Reach out today, and let's discuss how I can elevate your online presence with custom WordPress and e-commerce solutions.

I'm a full-stack web developer who builds custom websites and web applications that solve real business problems. I specialize in complex projects - ecommerce platforms, business management systems, and specialized tools that require careful architecture and custom features. I handle the complete technical lifecycle: custom development from scratch, database design, cloud and server infrastructure, domain management, and ongoing hosting and support. My experience spans payment processing integrations (Stripe), communication systems (Twilio), and scalable solutions built on platforms like Google Cloud and AWS. What sets me apart is my ability to translate complex requirements into clean, maintainable code and my commitment to transparent communication throughout the project. I don't just build websites - I create reliable, performance-optimized solutions that grow with your business. Whether you need a brand new platform, want to modernize an existing site, or require end-to-end technical management, I deliver on schedule and within budget. Let's discuss how I can bring your vision to life.

Top Rated USA Based! Online Payments Specialist. 10+yrs of experience with Low & High Risk Merchants Utilizing Shopify WIX Woo eCommerce Platforms. Specializing in Startups and able to service enterprise level merchants also. Happy to help with the following: - Native Gateway Integration for popular platforms like Shopify, Wix, and WooCommerce (eliminating cart redirects) - Automated Recurring Payments for subscription-based "subscribe & save" offerings - A convenient Buy Now Pay Later option for your customers - An Invoice Feature that allows you to send payable email invoices and text payment links - Comprehensive Credit Card Payment Processing capabilities - Options for Crypto Payment Processing - Echeck Payment Processing functionality - Integrated AI Marketing Tools to support your promotional efforts - Advanced Fraud Tools to protect your transactions - Chargeback Alerts to help you manage payment disputes - ApplePay integration for seamless mobile payments - QuickBooks Integration for streamlined accounting - POS systems and Card Readers for efficient in-person sales * Worldwide Payments Solutions for Any Region and Products or Service type * Navigating the challenges High Risk Merchant Account Setup * Multiple MID's for volume load balancing or different region coverage * Fast Timelines for Approval, Integration, and Deployment * Full project management from start to finish Constant Communication is key to me when dealing with something as important as your sales revenues and functionality. Let's keep in touch, Aloha!

25+ years exp. - Full stack web developer, integrity is one of my core values. If you are looking for someone you can trust who has been building custom web solutions successfully for a long time, look no further. AI model integration, machine learning APIs, Stripe connect and custom Stripe checkouts, automated testing with AI. I build with the TALL stack ( Tailwind, Alpine, Livewire, Laravel ) and use Filmanetphp for rapid panel development. I've also built many custom WordPress plugins. AI augmented - I'm a claude code power user and Cursor is my IDE for fine tuning. I tend to have 2-3 AI coding assistant processes running at any given point in my workflow - for maximum productivity. I closely review generated code and pay tons of focus when/where needed. From one of my favorite reviews I've received here on Upwork - "I've never met such a skilled developer. I mean, we are talking world-class ladies and gentlemen! You are not going to discover a better developer anywhere else." -- Some recent projects; - Built a multi-tenant SaaS for scout troops, AI chatbot with API access to all the troops data like upcoming events, scout advancement progress, etc - Build an app that has a csv importer for companies, calls multiple APIs for gathering data about key people and uses LLM to generate targeted sales copy - Built an API for voice to text transcriptions to run on a local network machine - Setup local network open weights models for unlimited use without paying for tokens - Built a sales management system for an auto insurance dealer ( so his sales people could login, enter a sale, and commissions could also be tracked ) - Built a social network type app with courses and badges, a bit like linked in but focused on fast moving and fast shifting careers. - Built a platform for folks to promote their favorite business' and earn commissions. - Built a custom web application billing system for a contractor / sub - contractor service provider company that has dashboards for clients and vendors with billing and split payments so contractor earns platform fee. -- - "Joseph was kind, responsive, quick, direct, and receptive to feedback. If you have worked with other developers, you know how rare this is, and how important it is to find someone who truly cares about the quality of work they provide. He couldn't have been better to work with." "Joe is incredibly talented and an absolute pleasure to work with. He is our go-to guy for a variety of challenges and we have full confidence" "I really enjoyed working with Joseph. He was honest and direct with his communication. He didn't try to oversell his services. It was all about just getting the job done, doing it well, and communicating with me about what was going on throughout the whole process." - --- Ultimately, good web dev service consists of not only coding, but also translating your needs into solutions, communicating effectively, training you how to use the software, and giving you confidence along the way. I'm here for my clients to find their way through web dev projects. If there is anything I can't do, I'm happy to handle bringing in help on that specialty. I will be honest with you. My skills include but are not limited to; - Web App development - Laravel development - WordPress plugin development - Stripe integrations - Payment gateways - E-commerce - API integrations - AI automation I'm able to help with system design and database design, user experience, and optimization. I offer functionality consulting and can help prepare detailed requirements documents for larger projects. I do my best to provide ideas to solutions - when there is no clear path, a bit of research and some creativity can go a long way. Contact me to discuss your needs!

Most engineers have touched Stripe. I've built Stripe Connect platforms numerous times - KYC onboarding - Fee splitting - Multi-currency Payment Intents - Apple Pay - Idempotent webhook processing, all in production, all times at scale. I'm a full-stack engineer with a focus on payment infrastructure, multi-tenant SaaS backends, and serverless AWS. Five-plus years of shipping things end-to-end: - NestJS/Prisma APIs - Next.js dashboards - AWS CDK stacks. Solo builds, documented, production-ready. On a recent donation platform, I killed a 30-second API Gateway timeout by rebuilding the export pipeline around SQS and Lambda workers. It now processes 1M+ record exports without a single failure. Same project: zero-downtime UUID migration across 15 live tables and an AWS infrastructure stack that cut idle costs by roughly 70% compared to always-on servers. The pattern across every project is the same. I write the spec before I write the code. I document while I build, not after. And when a technical decision is going to affect your timeline or your cloud bill, I say so in plain language, not in a after the fact. I'm a good fit for founders and product teams working on marketplaces, SaaS tools, fintech, or subscription platforms who need someone to own the backend, ship the frontend, and not require a team around them to do it. If that's what you're building, send me a message. I'll give you a straight read on scope and timeline, usually same day.