Author

Gaurav Rana

Founder & CEO, GANI Pay

Gaurav is the founder and CEO of GANI Pay. He writes about PayTo infrastructure, payment economics, and building fintech for communities that mainstream financial infrastructure has overlooked.

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1 article

Payments2 April 20261 min read

The Hidden Cost of Card Payments That No One Talks About

Debit-heavy payment behaviour still gets priced through more expensive card economics than most people realise. Here is why that matters and what a clearer payment flow could look like.

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