You will get Fractional CTO for Payments, ERP & Fintech SaaS — Architecture & Roadmap
Project details
Most Fractional CTOs sell strategy sessions. I deliver technical decisions that improve your business metrics.
22+ years in software engineering and technology leadership, helping startups and growing businesses build scalable products, reduce technical debt, and improve execution.
Results I've delivered:
Cut a government system's query time from 15s to 200ms for 5,000+ users (World Bank-audited)
Reduced manual invoice processing by 85% with an AI document module
Migrated an ERP from Oracle monolith to PostgreSQL microservices — 3x performance gain
Built a 4-provider payment abstraction layer (Stripe, Wise, Payoneer, JazzCash) for a video platform with thousands of concurrent users — 60% faster processing via CDN
Shipped production Stripe subscription & recurring billing on a live SaaS platform (OursTube).
What you'll get:
✔ Architecture review with written action plan
✔ Technical roadmap aligned to business goals
✔ Code quality & engineering oversight
✔ Cloud, AI & vendor evaluation
✔ Security & performance review
✔ Technical hiring support
✔ Direct Slack/email access
Note: This is a monthly retainer; oversight continues per your tier's cadence.
22+ years in software engineering and technology leadership, helping startups and growing businesses build scalable products, reduce technical debt, and improve execution.
Results I've delivered:
Cut a government system's query time from 15s to 200ms for 5,000+ users (World Bank-audited)
Reduced manual invoice processing by 85% with an AI document module
Migrated an ERP from Oracle monolith to PostgreSQL microservices — 3x performance gain
Built a 4-provider payment abstraction layer (Stripe, Wise, Payoneer, JazzCash) for a video platform with thousands of concurrent users — 60% faster processing via CDN
Shipped production Stripe subscription & recurring billing on a live SaaS platform (OursTube).
What you'll get:
✔ Architecture review with written action plan
✔ Technical roadmap aligned to business goals
✔ Code quality & engineering oversight
✔ Cloud, AI & vendor evaluation
✔ Security & performance review
✔ Technical hiring support
✔ Direct Slack/email access
Note: This is a monthly retainer; oversight continues per your tier's cadence.
Project Type
Development, Cybersecurity, Data Protection, ITWhat's included
| Service Tiers |
Starter
$400
|
Standard
$1,200
|
Advanced
$2,400
|
|---|---|---|---|
| Delivery Time | 3 days | 5 days | 7 days |
Number of Revisions | Unlimited | Unlimited | Unlimited |
47 reviews
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ta
tony a.
Apr 9, 2026
update?
Great service wonderful work always happy with this team. Good work. I will use you again.
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tony a.
Mar 18, 2026
Coding and Wordpress
Amazing experience every time! Very skilled, communicates well, and always delivers great work. I’ve used this seller multiple times and will continue to do so. Don’t let a few bad reviews fool you—this is someone who really cares about their clients.
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tony a.
Mar 14, 2025
You will get professional website with great features and look
Great job don’t look else where
MD
MD SAZID HASAN D.
Oct 9, 2024
Amazon Selling Partner API(for reports only) Postman Collection Setup for Japan Marketplace
A job well done!! And pretty fast!!
AR
Abdul R.
Sep 20, 2024
Stripe API Fix and Laravel Socket Integration
I am disappointed with this developer's performance. A 15-day project extended to nearly 3 months without completion. They struggled with small fixes, were often unresponsive, and frequently asked irrelevant questions. Despite multiple attempts to guide them, they failed to deliver the expected results and continuously requested payment before any significant progress.
About Hafiz Muhammad
CTO | Software Architect | SaaS, ERP, AI & Legacy Modernization
100%
Job Success
Multan, Pakistan - 11:33 pm local time
I’m a CTO and Senior Software Architect with 22+ years of hands-on experience helping enterprises, FinTech companies, SaaS businesses, and startups build, modernize, stabilize, and scale production software.
I work at both strategic and technical levels—from technology strategy, architecture and team leadership to hands-on debugging, development, performance optimization and cloud infrastructure.
For companies that don't need a full-time CTO, I also provide Fractional CTO / part-time technical leadership.
Top 1% Stack Overflow Contributor | 2,800+ Reputation | 178+ Verified Solutions | 22+ Years Experience
I bridge business strategy and engineering execution—from technical discovery and architecture decisions to hands-on debugging, development, cloud infrastructure, and engineering leadership.
I’m especially valuable when you have:
• Legacy systems and technical debt
• Slow or unstable applications
• Database or scalability problems
• Complex APIs and third-party integrations
• Cloud/infrastructure challenges
• AI/LLM opportunities
• A development team needing senior technical direction
PROVEN IMPACT
Government / FinTech: Engineered a World Bank-audited asset and fuel infrastructure system supporting 5,000+ Pakistan Railways operations, reducing critical database queries from approximately 15 seconds to 200ms.
Enterprise AI: Built OCR + LLM document-processing pipelines that reduced manual invoice data entry by approximately 85%.
Legacy Modernization: Led Oracle → PostgreSQL and monolith → modular/microservices modernization initiatives, achieving approximately 3× runtime performance improvements.
Video / Real-Time: Head of Technology at Ourstube, architecting Node.js/NestJS services, WebRTC, payments, AdTech, video infrastructure, and distributed platform components.
WHAT I CAN LEAD
CTO / Architecture
• Technology strategy and architecture roadmaps
• Architecture and codebase assessments
• Technical due diligence
• Legacy modernization and database migrations
• Monolith → modular/microservices architecture
• Scalability and high-concurrency architecture
• Engineering leadership and mentoring
Backend / APIs
• Laravel / PHP
• Node.js / TypeScript / NestJS / Express
• REST APIs / microservices
• Event-driven architecture
• Third-party integrations
• Authentication, authorization and webhooks
Databases / Performance
• PostgreSQL / MySQL / Oracle / MongoDB
• Redis and caching
• Query/index optimization
• Database architecture and migrations
• Connection pooling and performance engineering
AI / LLM
• OpenAI / GPT integrations
• Claude / AI-assisted development
• OCR + document processing
• LLM-powered applications
• Structured AI outputs
• AI business automation
Cloud / DevOps
• AWS EC2 / S3 / RDS / Lambda / CloudWatch
• Docker
• GitHub Actions / CI/CD
• Nginx
• Production monitoring and troubleshooting
Payments / FinTech
• Stripe / Stripe Connect
• Subscription billing
• Payment webhooks
• Creator/vendor payouts
• Payoneer / Wise
• JazzCash / Easypaisa
SELECTED ENGAGEMENTS
Ourstube Media — Head of Technology | 2025–Present
Video/media platform involving Node.js/NestJS, WebRTC, payments, AdTech, video infrastructure, distributed services and real-time communication.
Global Connect ERP — 2024–2025
Oracle → PostgreSQL modernization and legacy-system decoupling toward modular/microservices architecture.
YetiScanner AI — 2024
AI-powered document processing and data-extraction architecture for Western European systems.
Pakistan Railways — 2021–2023
Mission-critical enterprise systems involving database optimization, security, performance and public-sector infrastructure.
WHY CLIENTS WORK WITH ME
I combine CTO-level strategic thinking with hands-on engineering capability.
You get:
• Architecture decisions tied to business outcomes
• Practical solutions without unnecessary complexity
• Clear communication with founders and engineering teams
• Hands-on debugging when implementation is required
• Focus on performance, reliability, security and scalability
• An actionable roadmap your team can actually execute
If your system is complex, slow, unstable, difficult to integrate, or approaching the limits of its current architecture, I can help identify the underlying problem and build the path forward.
Steps for completing your project
After purchasing the project, send requirements so Hafiz Muhammad can start the project.
Delivery time starts when Hafiz Muhammad receives requirements from you.
Hafiz Muhammad works on your project following the steps below.
Revisions may occur after the delivery date.
Discovery Call & Access Setup
We do a short call to align on goals, then you share repo/system access so I can start the architecture review.
Architecture Review & Findings Doc
I review your codebase, infrastructure, and bottlenecks, then deliver a written findings document — not just verbal notes.