E-Wallet Website and payment gateway

Hello dear, I am looking for a programmer (full stack) and he has great experience in PHP and JavaScript, so please first read The Document i add in with request I want before commenting, to not waste time.So what I want is a payment gateway and an e-wallet
I have seen many ready-made scripts on the Internet like codecanyon and codester, but each one is missing something,These are some of the things that I saw and liked. I hope you will see them to understand more of what I want then you will read what i want exactly in the document