Paypal Clone Built

i need a paypal clone website built ware people can use just like paypay i need payment gateway to it and a database that can generate accounts, in let them to be able to signup ,not in a big hurry for this but would like to start getting bids need customers to be able to link it to their saving or checking are credit card accounts need a admin panel ware i can setup my percentages in cost on transaction in it charge automatic.Ps would like for costumer to be able to pay bills online

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