How Payments Really Work Behind the Scenes with Vishal Sharma скачать в хорошем качестве

How Payments Really Work Behind the Scenes with Vishal Sharma

In this episode of Backstage with Builders, I speak with Vishal Sharma, an operations leader in payments. We unpack what “seamless payments” truly require, why onboarding at scale breaks in places founders don’t expect, and how to turn RBI rules into practical workflows. Guest Info Vishal Sharma is a fintech operations professional with over 7 years of experience across payment aggregators, banks, and global payment companies including Zaakpay (MobiKwik), PayU, Worldline, and HDFC Bank. He currently manages merchant onboarding, pre- and post-onboarding risk, banking operations, compliance alignment, and process optimisation—helping payments scale reliably and compliantly. ► Website - https://zaakpay.com/ ► LinkedIn -   / vishalsharma7796   👨‍⚖️ My Info I’m Akhil Mishra, a Tech Lawyer for SaaS, IT, and Fintech founders. Tech companies don’t fail because of code - they fail because of co-founder disputes, IP fights, legal landmines, and regulatory mess. That’s what I help you avoid. 📱 My Socials ► Linkedin -   / itsakhilmishra   ► X - https://x.com/ItsAkhilMishra ► Substack - https://substack.com/@itsakhilmishra ► Youtube -    / @itsakhilmishra   ► Instagram -   / its.akhil.mishra   ► Need help? Fill this form - https://docs.google.com/forms/d/10Zxt... ⏱ Timestamps 00:00 Introduction 00:46 How his journey into fintech operations began 01:45 What made him choose this side of fintech 02:10 From an operations lens, what “seamless payments” actually require behind the scenes 03:01 The hardest parts of onboarding at scale that most founders don’t anticipate 04:40 The kind of issues that usually surface after a merchant is already live 06:20 Operational bottlenecks in payments that slow growth more than founders realise 07:55 The biggest difference between how banks and fintechs approach operations 08:40 One sign that a payments company has outgrown its existing ops setup 09:30 Translating RBI regulations into everyday operational workflows 11:45 Founders and early fintech teams most commonly misunderstand Payment Aggregator compliance 13:45 How to balance speed of onboarding with regulatory expectations 16:15 One compliance decision that, if ignored early, becomes extremely painful later 17:10 What founders building in payments should be extra careful about in 2026 18:05 One operational lesson Vishal learned the hard way that changed how he works today 19:02 How he sees the role of operations evolving in India’s fintech ecosystem 20:20 One final piece of advice to founders building in payments or fintech 21:01 Ending Notes #Payments #FintechOps #RBI #Compliance #BackstageWithBuilders #Zaakpay