I am working on a micro loans idea. I basically need some way that the user can come onto the site/app and get a loan between $50-200 at the click of a button. I will be meeting each new member in person getting the details like name/address/debit card and phone number. They will sign a contract ect. Each new member i will add users area and email them a user name and Password. Once logged in they have two options. Borrow between 50-200 or make the full payment back. The payments need to be instant. Because i am making a system were you can get 24/7/365 loans ect. This is in my small community only. Just trying to make something user friendly and helpful. To be clear the site only has 5 pages. Home page you need to login to see. Once logged in you can only see 4 big buttons Payment page Borrow page T/C page (with contact info and info) Who has not paid back there loan page. (long overdue only) I just need help on the payments side. Help with automation. Things like sending text alerts to all users with overdue payments. Will pay well for the right person.