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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!

Full Stack Developer focused on building scalable, reliable, and business-driven applications for startups, agencies, and growing companies. Fast to understand the business, focused on building solutions that drive real results. I specialize in Laravel, PHP, Python, Node.js, React, Next.js, API development, AI integrations, cloud infrastructure, and payment systems. My focus is not just writing code — it's building systems that improve operations, automate workflows, increase conversions, and support long-term growth. I have hands-on experience developing: - SaaS platforms - E-commerce systems - Custom business applications - AI-powered workflows & automations - Payment and subscription platforms - Scalable backend infrastructure Technical Expertise - Backend Development (Laravel, PHP, Node.js, Python) - Frontend Development (React, Next.js, Vue) - REST API & Third-Party Integrations - AI Integrations & Workflow Automation - Stripe, PayPal, Square & Authorize.net - Subscription & Recurring Billing Systems - AWS, Docker & Kubernetes - SQL & NoSQL Database Management - Cloud Infrastructure & Performance Optimization - WordPress & WooCommerce - CI/CD & Deployment Pipelines I value clear communication, fast execution, clean architecture, and reliable delivery. I adapt quickly to business requirements and focus on building solutions that create measurable impact for clients. If you're looking for a developer who understands both technology and business goals, I'd be glad to discuss your project.

𝗜𝘀 𝘆𝗼𝘂𝗿 𝗽𝗮𝘆𝗺𝗲𝗻𝘁 𝘀𝘆𝘀𝘁𝗲𝗺 𝗰𝗼𝘀𝘁𝗶𝗻𝗴 𝘆𝗼𝘂 𝗺𝗼𝗻𝗲𝘆 𝗮𝗻𝗱 𝗰𝗮𝘂𝘀𝗶𝗻𝗴 𝘀𝗹𝗲𝗲𝗽𝗹𝗲𝘀𝘀 𝗻𝗶𝗴𝗵𝘁𝘀? Let’s turn that stress into success. With over 20 years of experience as a seasoned FinTech leader and Global CTO specializing in 𝗣𝗮𝘆𝗺𝗲𝗻𝘁 𝗚𝗮𝘁𝗲𝘄𝗮𝘆 𝗜𝗺𝗽𝗹𝗲𝗺𝗲𝗻𝘁𝗮𝘁𝗶𝗼𝗻, 𝗔𝗣𝗜 𝗜𝗻𝘁𝗲𝗴𝗿𝗮𝘁𝗶𝗼𝗻, and 𝗦𝘂𝗯𝘀𝗰𝗿𝗶𝗽𝘁𝗶𝗼𝗻 𝗛𝗮𝗻𝗱𝗹𝗶𝗻𝗴, a proven track record awaits you. Payment systems have been built and optimized to not only meet today's demands but also scale with your business tomorrow—delivering over 𝗨𝗦𝗗 𝟮𝟬𝗠 𝗶𝗻 𝗿𝗲𝘃𝗲𝗻𝘂𝗲 𝗳𝗼𝗿 𝟭𝟬+ 𝗰𝗼𝗺𝗽𝗮𝗻𝗶𝗲𝘀 and powering 200+ successful app launches worldwide. 𝗪𝗵𝗮𝘁 𝗜 𝗕𝗿𝗶𝗻𝗴 𝘁𝗼 𝘁𝗵𝗲 𝗧𝗮𝗯𝗹𝗲: 𝟭. 𝗘𝘅𝗽𝗲𝗿𝘁 𝗣𝗮𝘆𝗺𝗲𝗻𝘁 𝗜𝗻𝘁𝗲𝗴𝗿𝗮𝘁𝗶𝗼𝗻𝘀: Mastery in integrating 𝗦𝘁𝗿𝗶𝗽𝗲, 𝗦𝘁𝗿𝗶𝗽𝗲 𝗖𝗼𝗻𝗻𝗲𝗰𝘁, and other payment gateway APIs, ensuring secure, efficient, and scalable payment systems. 𝟮. 𝗦𝘂𝗯𝘀𝗰𝗿𝗶𝗽𝘁𝗶𝗼𝗻 & 𝗧𝗿𝗮𝗻𝘀𝗮𝗰𝘁𝗶𝗼𝗻 𝗟𝗼𝗴𝗶𝗰: Proven expertise in handling recurring payments, multi-invoice payments, partial payments, and complex scenarios like payment failures, refunds, and voiding transactions. 3. 𝗧𝗲𝗰𝗵𝗻𝗶𝗰𝗮𝗹 𝗟𝗲𝗮𝗱𝗲𝗿𝘀𝗵𝗶𝗽 & 𝗦𝘁𝗿𝗮𝘁𝗲𝗴𝘆: Adept at leading cross-functional teams, communicating with C-level executives, and transforming technical challenges into robust, revenue-generating solutions. 𝟰. 𝗛𝗮𝗻𝗱𝘀-𝗢𝗻 𝗘𝘅𝗽𝗲𝗿𝗶𝗲𝗻𝗰𝗲: Whether you’re dealing with broken software systems or planning a complete digital transformation, startups and enterprises alike have seen at least a 𝟭𝟬% 𝗶𝗺𝗽𝗿𝗼𝘃𝗲𝗺𝗲𝗻𝘁 𝗶𝗻 𝗲𝗳𝗳𝗶𝗰𝗶𝗲𝗻𝗰𝘆 𝗮𝗻𝗱 𝗽𝗿𝗼𝗳𝗶𝘁𝗮𝗯𝗶𝗹𝗶𝘁𝘆 through these solutions. 𝗧𝗲𝗰𝗵𝗻𝗶𝗰𝗮𝗹 𝗘𝘅𝗰𝗲𝗹𝗹𝗲𝗻𝗰𝗲 𝗶𝗻 𝗣𝗮𝘆𝗺𝗲𝗻𝘁 𝗣𝗿𝗼𝗰𝗲𝘀𝘀𝗶𝗻𝗴: Leveraging cutting-edge payment processing protocols — 𝗣𝗖𝗜-𝗗𝗦𝗦 𝗰𝗼𝗺𝗽𝗹𝗶𝗮𝗻𝗰𝗲, 𝘁𝗼𝗸𝗲𝗻𝗶𝘇𝗮𝘁𝗶𝗼𝗻, 𝗲𝗻𝗱-𝘁𝗼-𝗲𝗻𝗱 𝗲𝗻𝗰𝗿𝘆𝗽𝘁𝗶𝗼𝗻, and 𝟯𝗗 𝗦𝗲𝗰𝘂𝗿𝗲 𝗶𝗺𝗽𝗹𝗲𝗺𝗲𝗻𝘁𝗮𝘁𝗶𝗼𝗻𝘀 — ensures sensitive data is safeguarded and fraud risks are mitigated. Expertise in configuring 𝗣𝗮𝘆𝗺𝗲𝗻𝘁 𝗜𝗻𝘁𝗲𝗻𝘁𝘀, 𝗦𝗲𝘁𝘂𝗽 𝗜𝗻𝘁𝗲𝗻𝘁𝘀, and utilizing 𝘄𝗲𝗯𝗵𝗼𝗼𝗸𝘀 for real-time event handling optimizes 𝗦𝗖𝗔 flows, manages decline handling and chargebacks, and ensures seamless reconciliation across multiple payment channels. A deep understanding of card network rules, risk management strategies, and automated dunning processes guarantees that payment operations remain both resilient and highly efficient. 𝗘𝘅𝗽𝗲𝗿𝘁𝗶𝘀𝗲 𝗶𝗻 𝗜𝗻-𝗔𝗽𝗽 𝗣𝘂𝗿𝗰𝗵𝗮𝘀𝗲 𝗛𝗮𝗻𝗱𝗹𝗶𝗻𝗴: Extensive experience with 𝗶𝗻-𝗮𝗽𝗽 𝗽𝘂𝗿𝗰𝗵𝗮𝘀𝗲 systems on both 𝗚𝗼𝗼𝗴𝗹𝗲 𝗣𝗹𝗮𝘆 and 𝗔𝗽𝗽𝗹𝗲 𝗔𝗽𝗽 𝗦𝘁𝗼𝗿𝗲 platforms complements robust payment gateway integrations. Successfully blending these in-app purchase mechanisms with 𝗦𝘁𝗿𝗶𝗽𝗲 creates a unified payment ecosystem that supports subscriptions, one-time purchases, and cross-platform transactions. Notable projects include 𝗦𝘁𝗿𝗲𝗮𝗺𝗶𝗹𝘆 and 𝗕𝗿𝗮𝗶𝗻𝗧𝗮𝗽, where in-app purchase flows were seamlessly integrated with backend payment processing to optimize revenue and enhance user experience. 𝗛𝗶𝗴𝗵𝗹𝗶𝗴𝗵𝘁𝘀: 𝟭. 𝗚𝗹𝗼𝗯𝗮𝗹 𝗜𝗺𝗽𝗮𝗰𝘁: Solutions delivered have scaled workforces and revenues — streamlining processes and reducing monthly costs dramatically (e.g., cutting costs from $𝟭𝟲𝟬,𝟬𝟬𝟬 𝘁𝗼 $𝟱𝟬,𝟬𝟬𝟬). 𝟮. 𝗥𝗲𝘀𝘂𝗹𝘁𝘀-𝗗𝗿𝗶𝘃𝗲𝗻: Engagements have doubled revenue for companies like 𝗕𝗿𝗮𝗶𝗻𝗧𝗮𝗽 and contributed to a 𝟵𝟵.𝟲% 𝗰𝗿𝗮𝘀𝗵-𝗳𝗿𝗲𝗲 𝗿𝗮𝘁𝗲, leading to over 𝟭𝟬,𝟬𝟬𝟬 𝗱𝗼𝘄𝗻𝗹𝗼𝗮𝗱𝘀 and high user ratings. 𝟯. 𝗜𝗻𝗻𝗼𝘃𝗮𝘁𝗶𝗼𝗻 & 𝗔𝗴𝗶𝗹𝗶𝘁𝘆: Continuously integrating the latest tools—from 𝗔𝗜 𝗶𝗻𝗻𝗼𝘃𝗮𝘁𝗶𝗼𝗻𝘀 like ChatGPT and DeepSeek to advanced mobile app development frameworks — ensures clients remain ahead of the curve. 𝗖𝗼𝗺𝗽𝗹𝗶𝗮𝗻𝗰𝗲 & 𝗦𝗲𝗰𝘂𝗿𝗶𝘁𝘆: PCI-DSS | SOC2 | HIPAA | GDPR 𝗪𝗵𝘆 𝗪𝗼𝗿𝗸 𝗪𝗶𝘁𝗵 𝗠𝗲? Partner with an expert who delivers tangible results, allowing you to focus on business growth. If you're ready to stop wrestling with payment integration issues and start experiencing streamlined, profitable operations, let's connect. Book a Consultation Today.

I build reliable, well-documented automations that connect Stripe, payments, orders, and CRMs directly to QuickBooks Online, saving e-commerce and service businesses 15–30+ hours per month in manual work. Hi, I’m Josh. I’m a Make . com Advanced Certified specialist (all four certifications) and former frontend engineer with 6+ years of production experience building systems for clients including Meta, Oracle, and VMware. I also scaled my own DTC e-commerce business to over $1M in sales. My edge: - Make . com Advanced Certified (all four Make certifications) - Strong QuickBooks Online expertise - Intuit QuickBooks Certification Level 1 + Intuit Bookkeeping - Proficient in Zapier - HubSpot Inbound Certified - Real API and systems experience from enterprise and startup environments What I deliver: - Stripe and payment processor → QuickBooks Online syncs (with proper fee handling and reconciliation) - Order & customer data automation (Shopify, WooCommerce, etc.) - CRM integrations (HubSpot, GoHighLevel, Airtable, etc.) - Robust error handling, automatic notifications, duplicate prevention, and clear documentation Every automation I build includes professional safeguards most freelancers skip: error handling with alerts, idempotency checks, transaction logging, and a handoff document so you always understand exactly what’s running. I scope projects clearly upfront and focus on maintainable solutions rather than quick-and-dirty builds. Whether you need a focused sync or a broader system, I’ll be honest about what’s realistic. Top Rated • 100% JSS • Fast turnaround Certifications: - Make Advanced - Make Intermediate - Make Basics - Make Foundation - Intuit QuickBooks Certification Level 1 - Intuit Bookkeeping Certification - HubSpot Inbound Certified Send me a quick description of what you’re trying to automate (especially anything involving QuickBooks or payments), and I’ll let you know how I can help and what it would take.

I build production web apps for founders and small teams, especially AI products, SaaS platforms, dashboards, automations, and payment-backed systems. Clients hire me when they need someone who can take plain-English specs, make good technical decisions, ship quickly, and communicate before they have to ask. What I build: • AI search and LLM workflows: vector search, embeddings, Pinecone, LangChain, OpenAI, Gemini • SaaS platforms and dashboards: auth, roles/RBAC, admin panels, reporting, realtime data • Payment-backed apps: Stripe billing, subscriptions, webhooks, checkout flows • Production frontends: React, Next.js, TypeScript, Tailwind CSS, PWAs • Backends and data: Node.js, Python, FastAPI, Firebase, Supabase, PostgreSQL Recent work includes: • AI real estate search using listing data structuring, natural-language filter mapping, Pinecone semantic search, and LLM pipelines • A gamified MMA gym management PWA with Stripe billing, realtime logic, and 800+ automated tests • A clinical documentation MVP for psychiatric workflows • A football playbook learning platform with a custom React/canvas builder, quiz engine, and AI-powered evaluation • Construction and field reporting tools for operational teams Clients describe me as fast, autonomous, clear, accountable, and quality-focused. I’m especially useful when you have the product vision but need a developer who can turn it into a real system without daily micromanagement. You’ll get: • early deployed previews • direct updates and honest scope calls • clean repo handoff and documentation • practical technical choices, not over-engineering • production-minded QA around auth, payments, webhooks, data, and edge cases If you’re building an AI product, SaaS MVP, internal tool, dashboard, or payment-connected web app, send me the idea. I’ll tell you clearly what I’d build first, what I’d avoid, and whether I’m the right fit.

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.