Ravi R.
Stripe Connect & Fintech | Payment Architecture, APIs & Legacy PHP
I solve complex payment architecture, Stripe Connect and backend engineering problems that go beyond standard API integrations. My work spans fintech platforms, crowdfunding systems, marketplaces, subscription-based applications and established PHP applications with complicated business logic. I specialise in the problems that require understanding how the entire system works - not simply connecting an API and hoping everything behaves correctly. STRIPE CONNECT & PAYMENT ARCHITECTURE I can help with: * Stripe Connect architecture for marketplaces and platform businesses * Connected accounts, platform fees, transfers and payout workflows * Webhook processing, idempotency and transaction-state consistency * Refund workflows and payment reconciliation * Subscription upgrades, downgrades, failed payments and entitlement management * Complex payment flows involving multiple funding sources and business-specific rules * Third-party payment APIs and integrations with existing applications My focus is on understanding the complete transaction lifecycle, identifying edge cases and implementing solutions that account for asynchronous events, failure scenarios and the application’s underlying business rules. FINTECH & CROWDFUNDING PLATFORMS My project experience includes AngelEstate and InvestTank, along with complex platform development and API integration work. I understand the engineering challenges involved in building financial workflows into a larger application, where payment processing, user onboarding, transaction records and application state must work together. I can help extend an existing platform, diagnose an integration problem or implement a clearly defined new workflow. LEGACY PHP SYSTEMS & APPLICATION MODERNISATION I also specialise in taking over established applications that other developers struggle to maintain. My experience includes SocialEngine, PHPfox/MetaFox, WordPress, Magento and other PHP-based platforms. Typical engagements include: * Diagnosing difficult bugs in old or undocumented codebases * Upgrading legacy PHP applications while preserving existing functionality * Fixing complex plugin customisations and API integrations * Improving database performance and application reliability * Resolving security issues in outdated applications * Modernising systems incrementally instead of recommending an unnecessary complete rewrite If your application has years of business logic embedded in it, I work to understand that logic before changing it. HOW I APPROACH A PROJECT I start by understanding the actual business problem and the existing architecture. I then identify the underlying technical issues, define the implementation scope, and agree on deliverables before moving into development. For complex systems, this means accounting for edge cases, failure handling, data consistency and maintainability - not just making the happy path work. WHY CLIENTS HIRE ME My Upwork record includes $300K+ in historical earnings, 127 completed jobs and 3,881 hours, alongside a 100% Job Success Score and Top Rated Plus status. I bring extensive hands-on experience across complex integrations, custom application development and long-lived software systems. If you need an experienced engineer to solve a difficult Stripe Connect problem, implement complex payment logic or take responsibility for an existing PHP application, let’s discuss the specific challenge and determine the right approach.
Earnings and projects
Last 6 months ÷ 6
Last 6 months: $952
Billed in all: $376,998$377k
$952 in the last 6 months
Across 143 contracts
Earnings, last 30 days
Skill rankings: Top 11% in phpFox
Ranked by MRR among everyone on Upwork with the skill.
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