Projects using Laravel in PunjabProjects using Laravel in Punjab
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Cover image for From ACH to Card Payments:
From ACH to Card Payments: Building Scalable Payment Systems for US Businesses Over the past few years, I’ve worked closely with US-based businesses to design and implement secure, scalable payment systems across ACH, online card payments, and card-present (terminal) environments. My experience spans platforms like North.com (http://North.com), NMI, and other payment APIs—supporting everything from recurring ACH billing to fully integrated in-person payment solutions using physical terminals. On the ACH side, I’ve handled bank account verification, transaction lifecycles, and returns such as NSF and failed debits. ACH systems require careful management of delayed settlements, webhook events, and reconciliation—especially within US financial workflows. For online card payments, I’ve implemented secure gateways, tokenization, and optimized checkout experiences to ensure fast, seamless, and PCI-compliant transactions. I’ve also built and deployed card-present solutions, including: – EMV terminal integrations – Tap, dip, and swipe transaction flows – Device configuration and deployment – Real-time syncing with backend systems – Handling reversals, refunds, and partial approvals A critical part of every integration is compliance and security. My work ensures: – PCI DSS compliance for card data protection – Tokenization (no sensitive data storage) – Secure API authentication and encryption – Reliable webhook handling and audit-ready transaction logs From a technical perspective, I specialize in building robust API integrations, webhook listeners, retry mechanisms, and fail-safe systems that continue to operate reliably under real-world conditions. Key solutions I’ve delivered: – ACH debit and recurring billing systems – Online card payment integrations with secure token flows – Card-present terminal integrations – Real-time transaction systems using webhooks – Payment failure handling and reconciliation logic – CRM and internal dashboard integrations Working in the US payments ecosystem has given me deep exposure to compliance requirements, operational challenges, and the importance of building systems that are both secure and scalable. My focus is simple: build payment systems that are reliable, compliant, and seamless—whether online or in-person. Open to collaborations in fintech, payments, and API integrations.
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Cover image for A full-stack HR platform I
A full-stack HR platform I designed and built for a company running its entire payroll on manual spreadsheets — slow, error-prone, and impossible to audit. The goal was one accurate, role-based system to manage attendance, payroll, and reporting in a single place. I developed the complete stack: a Laravel 11 REST API and a React single-page app, with separate access levels for admins, managers, and staff. Key modules include a daily attendance grid, an automated payroll engine (overtime, deductions, advances, net pay), PDF payslips, staff loans, a security-fund ledger, bank-account management, CSV exports, and a full audit trail with before/after history. The toughest challenge was payroll accuracy. A naive overtime sum overpaid employees, so I built a net-overtime engine where daily shortfalls offset extra hours, and centralized every rule in a dedicated service layer for consistency and easy testing. I also handled live deployment with CI/CD and built-in privacy safeguards — masked salaries, protected routes, and instant lockout of deactivated users. The result: a fast, reliable system that turns recorded attendance into accurate monthly payroll in just a few clicks.
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