Vikash Kumar
FinTech & Payment Gateway Expert
Since 2014 I've been in the trenches of India's payments revolution — building the infrastructure that moves money at scale, Gateways, Risk engines, Merchant ecosystems, Payout systems, If it touches a transaction, I've architected it.
12+ Years
Experience in digital payments
5
Industry-leading companies
3 Years
Own payment gateway, built & operated
A Professional Overview of My Background & Expertise
Helping businesses scale secure and high-performing payment systems.
Payments Infrastructure Specialist
Payments specialist with end-to-end experience across the full stack — integration, risk, compliance, and settlements.
From Global Gateways to Founder
Worked with PayU, PayPal, Paytm & Cashfree, then founded PayFlex and ran a complete payment gateway for three years. Focused on high-growth verticals where transaction reliability is non-negotiable.
Diverse Industry Experience
I bring diverse experience across multiple sectors, including Esports, NBFC, BFSI, E-commerce, B2B platforms, and Insurance.
Empowering Creativity through
Business consulting consultants provide expert advice and guida businesses to help them improve their performance, efficiency, and organizational.
Leading the development of payment solutions and fintech innovation through SmartPayflex Payments. Focused on enabling scalable payment infrastructure and improving transaction efficiency for digital businesses.
Led merchant acquisition and payment operations across gaming, NBFC, insurance, and e-commerce sectors.
Key Contributions
- Delivered payment solutions for collections and disbursals.
- Implemented UPI, IMPS, NEFT payout infrastructure.
- Handled High Risk category merchants.
- Managed merchant onboarding, KYC, and compliance processes.
- Coordinated with risk teams to manage fraud and chargebacks.
- Built channel partner networks and reseller programs.
- Worked closely with banking partners for payment activation.
Focused on merchant acquisition in the education sector and expanding digital payment adoption.
Key Contributions
- Onboarded universities and educational institutions.
- Built ERP and banking partnerships.
- Increased GMV through payment hardware and digital solutions.
- Designed campus ambassador programs.
Acquired e-commerce merchants and promoted PayPal payment acceptance.
Key Contributions
- Merchant acquisition and onboarding.
- CRM pipeline management and sales forecasting.
- Merchant engagement strategies to increase payment volume.
- Represented PayPal at industry events and exhibitions.
Focused on merchant acquisition, relationship management, and business growth.
Key Contributions
- Negotiated high-value merchant contracts.
- Managed merchant performance analytics.
- Led a team of 10 associates.
- Developed strategies to improve merchant transaction performance.
Building Value with My Expertise
Payment Gateway Integration
End-to-end UPI, cards, wallets, netbanking, and payment links for reliable conversions.
Esports Payment Infrastructure
High-volume onboarding, KYC, real-time payouts, and risk controls for Esports platforms.
Fraud & Risk Management
Transaction monitoring and anomaly detection frameworks ensure compliance and reduced chargebacks.
Merchant Onboarding & Underwriting
KYC, AML, and compliance workflows to accelerate onboarding and minimize operational risk.
Payout Infrastructure
Bulk and instant disbursements via UPI, IMPS, and NEFT with high accuracy.
Reconciliation & Settlements
Full lifecycle management, including settlements, exceptions handling, and financial integrity assurance.
Technical Skills
Leveraging technical expertise to deliver expert insights and drive real value across multiple innovative fintech brands and projects
Payment Gateway APIs
Salesforce CRM
AI Automation Tools
Webhook Integration Systems
Risk Assessment Frameworks
Advanced Excel & Data Tools
Data Analysis & Reporting
Core Competencies
Payment Gateway Integrations
Esports Payment Systems
Fraud Detection & Risk Monitoring
Chargebacks & Dispute Management
Merchant Onboarding & Compliance
Reconciliation & Settlement Operations
Payout
Infrastructure
Banking
Partnerships
Channel Partner Management
Payment Data
Analysis
Elevate your brand
with Me
If you are looking for expertise in payment infrastructure, fintech consulting, Esports payments, or merchant payment systems, feel free to connect.
Gurugram, India