An Payment processing merchant

Hi. I have an idea of creating something similar to Paypal, Skrill and so on. The idea is to create an easy - to - do merchant application Paypal, skrill and so on. The Idea is simpel. Have a merchant processing system that's totally indendepent from banks and larger Debitcard companies likes Visa and Mastercard. This is the Ideas: Create an merchant application called XXXX like paypa, skrill on the web, but with the choice of attaching an debit card to the your XXXX account, so you can use it in your daily life. Now, this XXXX debitcard is something we will ourself produce and send to our costumers. So let's say that you have $300 dollars on an application online. You don't what to wire it to Paypal, and therefore transfer it to your creditcard because it cost to much. You can then alternativ create your account on my XXXX application with lower cost and a more friendly userdesign and with the bonus of having an debitcard attached to the account, so you can directly buy something from the funds from your XXXX account... I need somebody who is good at programming to create the website and the system for the debitcards. I will myself provide the website design psd and jpg format. Looking forward to work with you....