Hello and thank you for your time.
Long story short, I am a very capable iOS developer with close to 4 years of exclusive iOS development, together with another iOS developer with 1.5 years of experience and I think that we are more than capable to implement your application, if you only allow us to do that. This would be our very first project, so we are really keen on doing it so that we have a jump start.
Do not be fooled by the low price we request. That is because we have not yet a completed project here on Freelancer, but we are really eager to do that with your help.
Have an awesome day and hoping to hearing from you,
Danut Pralea.
PS : The payment system you proposed is absolutely not an issue. On the contrary.