Proposal for

Payment
Application
Development –
Android

Client Name: Mr. Shiva

Date: 07-03-2025

Our Address
 XOOKEY TECHNOLOGIES PRIVATE LIMITED

No 532, 100 ft Road, Madhapur, Hyderabad, India-500081

Email Us: [email protected], Website: https://ixiono.com/

Purpose
The purpose of the Android Payment Application is to provide users with a secure,
convenient, and all- in-one solution for managing and making various types of payments
directly from their mobile devices. The app aims to simplify the payment process for
everyday financial transactions, such as paying rent, credit card bills, utility bills, and vendor
payments, while ensuring a seamless and user-friendly experience.

Key Purposes of the App:

1. Simplify Payment Processes:

o Consolidate multiple payment types (rent, credit card bills, utility bills, vendor
payments) into a single platform.
o Eliminate the need for users to switch between multiple apps or websites
to manage their payments.

2. Enhance Convenience:
o Allow users to make payments anytime, anywhere, using their Android devices.
o Provide features like recurring payments, payment scheduling, and
automatic reminders to reduce manual effort.

3. Improve Financial Management:

o Offer a centralized dashboard where users can track and manage all their
payments in one place.
o Provide payment history, receipts, and analytics to help users monitor their
spending.

4. Ensure Security:
o Implement robust security measures, such as data encryption, two-
factor authentication (2FA), and secure payment gateways, to
protect users' sensitive financial information.

5. Support Payment Methods:

o Integrate with payment option credit cards to cater to diverse
user preferences.

6. Facilitate Vendor and Utility Payments:

o Enable users to pay vendors for goods and services, as well as utility
providers for electricity, water, gas, and internet bills, GST file all within
the same app
 7. Provide a User-Friendly Experience:
o Design an intuitive and easy-to-navigate interface to ensure a smooth user
experience for people of all ages and technical backgrounds.

8. Enable Notifications and Alerts:

o Keep users informed about upcoming bills, successful payments, and failed
transactions through real-time notifications.

9. Promote Financial Inclusion:

o Make digital payments accessible to a wider audience, including those
who may not have easy access to traditional banking services.

10. Support Scalability and Future Growth:

o Build a scalable platform that can accommodate additional features,
such as loan repayments, insurance premiums, or investment options,
in the future.

Value Proposition:
 For Users:

o A single app to handle all payment needs.

o Time-saving and hassle-free payment processes.
o Enhanced financial control and transparency.

 For Businesses/Vendors:
Faster and more reliable payment collection.
Reduced administrative overhead for managing payments.

Scope of Work

● Solution Architecture
● Integration Architecture
● Database Design
● API Design
● API Development
● Database Development
● Third Party API integration
● Unit Testing
● Integration Testing
● Mobile Application Deployment
 ● User Acceptance Testing
● Production Deployment

1.0 Functional Requirements :

THE SCOPE OF WORK FOR THE ANDROID PAYMENT APPLICATION INVOLVES THE
DEVELOPMENT OF A COMPREHENSIVE, SECURE, AND USER-FRIENDLY MOBILE
APPLICATION THAT ALLOWS USERS TO MANAGE AND MAKE VARIOUS TYPES OF
PAYMENTS. BELOW IS A DETAILED BREAKDOWN OF THE SCOPE, INCLUDING FUNCTIONAL
REQUIREMENTS, TECHNICAL REQUIREMENTS, AND DELIVERABLES

1.1 USER AUTHENTICATION AND AUTHORIZATION

 USER REGISTRATION AND LOGIN:

o ALLOW USERS TO REGISTER AND LOG IN USING EMAIL.
o IMPLEMENT TWO-FACTOR AUTHENTICATION (2FA) FOR ENHANCED SECURITY.

 PROFILE MANAGEMENT:
o ENABLE USERS TO UPDATE THEIR PERSONAL INFORMATION, PAYMENT METHODS, AND
PREFERENCES.

1.2 PAYMENT MODULES

1.2.1 CREDIT CARD PAYMENTS

 ALLOW USERS TO LINK AND MANAGE MULTIPLE CREDIT CARDS.

 ENABLE USERS TO PAY CREDIT CARD BILLS DIRECTLY THROUGH THE APP.
 PROVIDE OPTIONS FOR ONE-TIME PAYMENTS AND RECURRING PAYMENTS

1.2.2 HOUSE RENT PAYMENTS

 ALLOW USERS TO SET UP RENT PAYMENTS TO LANDLORDS OR PROPERTY MANAGERS.

 SUPPORT RECURRING PAYMENTS AND PAYMENT SCHEDULING.
 GENERATE AND STORE PAYMENT RECEIPTS.

1.2.3 VENDOR PAYMENTS

  ENABLE USERS TO PAY VENDORS FOR GOODS AND SERVICES.
 SUPPORT ONE-TIME PAYMENTS AND RECURRING PAYMENTS (E.G.,
SUBSCRIPTIONS).
 ALLOW VENDORS TO REGISTER AND MANAGE THEIR ACCOUNT

1.2.4 UTILITY PAYMENTS

 ALLOW USERS TO LINK THEIR UTILITY ACCOUNTS (ELECTRICITY, WATER, GAS, INTERNET,
ETC.).
 ENABLE USERS TO VIEW DUE DATES, AMOUNTS, AND PAY BILLS DIRECTLY THROUGH THE
APP.
 PROVIDE OPTIONS FOR AUTOMATIC PAYMENTS AND PAYMENT REMINDERS.

1.3 PAYMENT MANAGEMENT SYSTEM

 DASHBOARD:
o PROVIDE A CENTRALIZED DASHBOARD FOR USERS TO VIEW AND MANAGE ALL PAYMENTS.
o DISPLAY PAYMENT HISTORY, UPCOMING BILLS, AND LINKED ACCOUNTS.

 NOTIFICATIONS AND ALERTS:

o SEND REAL-TIME NOTIFICATIONS FOR UPCOMING BILLS, SUCCESSFUL PAYMENTS,
AND FAILED TRANSACTIONS.

 ANALYTICS AND REPORTS:

o GENERATE REPORTS ON PAYMENT HISTORY, SPENDING PATTERNS, AND FINANCIAL SUMMARIES.

1.4 ADMIN PANEL

 USER MANAGEMENT:

o ALLOW ADMINS TO VIEW, ADD, UPDATE, AND DELETE USER ACCOUNTS.

 VENDOR MANAGEMENT:
o ENABLE ADMINS TO MANAGE VENDOR ACCOUNTS AND PAYMENT DETAILS.

 TRANSACTION MONITORING:
o PROVIDE TOOLS FOR ADMINS TO MONITOR AND ANALYZE TRANSACTIONS.

 SETTINGS AND CONFIGURATION:

o ALLOW ADMINS TO CONFIGURE PAYMENT GATEWAYS, NOTIFICATION SETTINGS, AND SECURITY
FEATURES.
2.0 Technical Requirements:
2.1 FRONTEND (REACT NATIVE)
 PLATFORM: ANDROID (WITH POTENTIAL FOR IOS COMPATIBILITY IN THE FUTURE).

 UI/UX DESIGN:
o DEVELOP A CLEAN, INTUITIVE, AND RESPONSIVE USER INTERFACE.
o ENSURE ACCESSIBILITY AND USABILITY FOR ALL USER DEMOGRAPHICS.

 STATE MANAGEMENT:
o USE REDUX OR CONTEXT API FOR STATE MANAGEMENT.

 API INTEGRATION:
o INTEGRATE WITH THE LARAVEL BACKEND USING RESTFUL APIS.

2.2 BACKEND (LARAVEL)

 API DEVELOPMENT:
o DEVELOP RESTFUL APIS FOR USER AUTHENTICATION, PAYMENT PROCESSING, AND DATA
RETRIEVAL.

 DATABASE:
o USE MYSQL OR POSTGRESQL FOR STORING USER DATA, PAYMENT
HISTORY, AND VENDOR INFORMATION.

 SECURITY:
o IMPLEMENT DATA ENCRYPTION, SECURE API COMMUNICATION
(HTTPS), AND FRAUD DETECTION SYSTEMS.

 PAYMENT GATEWAY INTEGRATION:

o INTEGRATE WITH THIRD-PARTY PAYMENT GATEWAYS (E.G., STRIPE, PAYPAL, RAZORPAY, UPI).

2.3 ADMIN PANEL (LARAVEL)

 DASHBOARD:
o DEVELOP A WEB-BASED ADMIN DASHBOARD FOR MANAGING USERS, VENDORS, AND
TRANSACTIONS.

 ANALYTICS:
o IMPLEMENT TOOLS FOR GENERATING REPORTS AND ANALYZING DATA.
  SECURITY:
o ENSURE SECURE ACCESS TO THE ADMIN PANEL WITH ROLE-BASED PERMISSIO

3.0 Assumptions and Dependencies:

 THIRD-PARTY SERVICES:
o AVAILABILITY OF APIS FROM PAYMENT GATEWAYS AND UTILITY PROVIDERS.

 USER DATA:
o USERS WILL PROVIDE ACCURATE INFORMATION FOR REGISTRATION AND PAYMENT PROCESSING.

 COMPLIANCE:
o THE APP WILL COMPLY WITH LOCAL AND INTERNATIONAL REGULATIONS FOR FINANCIAL
TRANSACTIONS.

Deliverables :

DEVELOPMENT DELIVERABLES

 REACT NATIVE APP:

o FULLY FUNCTIONAL ANDROID APPLICATION WITH ALL PAYMENT MODULES.
o INTUITIVE UI/UX DESIGN AND SEAMLESS NAVIGATION.

 LARAVEL BACKEND:
o RESTFUL APIS FOR ALL FUNCTIONALITIES.
o SECURE AND SCALABLE DATABASE DESIGN.

 ADMIN PANEL:
o WEB-BASED DASHBOARD FOR MANAGING USERS, VENDORS, AND TRANSACTIONS.

DOCUMENTATION
  TECHNICAL DOCUMENTATION:
o API DOCUMENTATION FOR BACKEND INTEGRATION.
o DATABASE SCHEMA AND ERD

 USER MANUAL:
o STEP-BY-STEP GUIDE FOR USING THE APP AND ADMIN PANEL.

 TEST CASES:
o DETAILED TEST CASES FOR FUNCTIONAL, SECURITY, AND PERFORMANCE TESTING.

TESTING AND DEPLOYMENT

 TESTING:
o CONDUCT UNIT TESTING, INTEGRATION TESTING, AND USER ACCEPTANCE TESTING (UAT).

 DEPLOYMENT:
o DEPLOY THE APP TO THE GOOGLE PLAY STORE.
o DEPLOY THE BACKEND AND ADMIN PANEL ON A SECURE CLOUD PLATFORM (E.G., AWS,
GOOGLE CLOUD).

Project Execution:

Status Reporting:

Report to Frequency

Business Manager Weekly

Customer Weekly

Report to the Customer:

MILESTONES REPORTS AND WEEKLY STATUS REPORTS

● ISSUES REQUIRING CLARIFICATION

● MAJOR CHANGES IN PLAN
● ESCALATION, IF ANY
 REPORT TO THE BM:
CUSTOMER FEEDBACK

● MILESTONES AND WEEKLY STATUS REPORTS

● ISSUES REQUIRING CLARIFICATION/ATTENTION
● ESCALATION, IF ANY
● REQUIREMENT CHANGES AND ESTIMATED EFFORT REQUIRED
● MAJOR CHANGES IN PLAN

Escalation Procedures:

ESCALATE WHERE ESCALATION LEVEL THRESHOLD PERIOD DESIGNATION OF

AT SPRINGLOGIX LEVEL 1 3 DAYS PROJECT MANAGER

AT SPRINGLOGIX LEVEL 2 2 DAYS DELIVERY MANAGER

CHIEF TECHNICAL
AT SPRINGLOGIX LEVEL 3 24 HOURS OFFICER

Project Cost and Timeline:

PHASE 1: REQUIREMENTS GATHERING AND PLANNING (2

WEEKS)
 FINALIZE FUNCTIONAL AND TECHNICAL REQUIREMENTS.
 CREATE WIREFRAMES AND UI/UX DESIGNS.

PHASE 2: FRONTEND DEVELOPMENT (REACT NATIVE) (4

WEEKS)
 DEVELOP THE REACT NATIVE APP WITH ALL PAYMENT MODULES.
 IMPLEMENT USER AUTHENTICATION AND DASHBOARD
PHASE 3: BACKEND DEVELOPMENT (LARAVEL) (4
WEEKS)
 DEVELOP RESTFUL APIS AND DATABASE.
 INTEGRATE PAYMENT GATEWAYS AND THIRD-PARTY SERVICE

PHASE 4: ADMIN PANEL DEVELOPMENT (2 WEEKS)

 DEVELOP THE ADMIN DASHBOARD WITH USER AND VENDOR MANAGEMENT TOOL

PHASE 5: TESTING AND DEBUGGING (3 WEEKS)

 CONDUCT THOROUGH TESTING AND FIX BUGS.

PHASE 6: DEPLOYMENT AND MAINTENANCE (2 WEEKS)

 DEPLOY THE APP AND BACKEND.

 PROVIDE ONGOING MAINTENANCE AND SUPPORT.

Project Cost and Timeline:

We are committed to delivering a high-quality, feature-rich solution that meets your
business needs efficiently. Our proposed cost for the project is 4,50,000 INR , with an
estimated timeline of 3.5 to 4 months for completion.

Here is the detailed table with the payment breakdown:

Total
Payment Stage Amount Payment Milestone
(₹)

Advance Payment Before start of Phase 1 (Requirements

1,80,000
(40%) Gathering & Planning)

Midway Payment
1,35,000 After completion of Phase 2 (Backend
(30%)
Development)
 Total
Payment Stage Amount Payment Milestone
(₹)

Final Payment
1,35,000
(30%) After completion of Phase 3 (Deployment &
Maintenance)

Total Quotation: ₹4,50,000

"Payment Structure: To ensure a seamless project execution, the total amount will be divided into
three payment stages, each corresponding to specific milestones and associated costs as outlined by
Xookey Technologies. This structured approach enables timely payments and facilitates a smooth
project progression.

Post-Project Support and Maintenance: Upon successful project handover, we are committed to
providing complimentary support for a period of two months. Thereafter, an annual maintenance
charge of 40% of the total application cost will be applicable to ensure ongoing system upkeep and
updates. This maintenance arrangement is designed to provide our clients with peace of mind,
knowing that their application will continue to operate efficiently and effectively over time.

Please note that all third-party API charges will be additional and are not included
in the proposed cost.

Bank Details: All payments to be made to Developer Account. Singapore.

Account holder name : Xookey Technologies Pvt Ltd.

Account number : 201000716351

IFSC code : INDB0000226

Bank name : Indusind Bank

Beneficiary address : madhapur, Hyderabad

INDBINBBHYB

Company Name: Xookey Technologies Pvt. Ltd. Authorized Signatory:

Contact Number:
Client Name: M r . s h i v a . Authorized Signatory: