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Decentralized online payments platform

I’m about to build a Decentralized online payments platform for seamless processing of payments to workers connected to centralized and decentralized organizations.

Since is see ETH as the main settlement layer I’m looking for a project where I can have an easy layer 2 solutions which I can integrate into my concept. ATM a test net would work since I want to first build a POC of my concept.

Can I already build this on xDAI?
If yes is there someone that can point me to the correct testnet building resources.
Thank you.

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hey teacher, glad to see you here.