HOTRAY GLOBAL SERVICES LIMITED is a technology company specializing in custom software, mobile and web application development, eCommerce solutions, and fintech innovation. We build high-performance iOS, Android, and web applications using modern technologies such as React, Node.js, Flutter, and React Native. Our expertise includes secure payment gateway integration, Banking API integration (Plaid, MX, Yodlee), digital wallets, fintech platforms, Telegram Mini Apps, WhatsApp Business automation, and VoIP solutions. We also provide strategic fintech consulting, including Banking-as-a-Service (BaaS) architecture and sponsor bank sourcing. For businesses in high-risk industries, we offer payment gateway integration, multi-currency solutions, PCI compliance guidance, and chargeback management to support secure, scalable growth.