Stuti R. Datanwala · Payments consultant & educator · Mumbai

Payments expertise from inside the rails.

Built it. Sold it. Ran it. Now we advise on it.

Through Datanwalas Consulting, Stuti R. Datanwala helps banks, acquirers, payment gateways, processors, fintechs and technology firms solve payments business and delivery problems, from strategy through to go-live. She also runs Payments in 60, an education brand that explains payments to consumers and merchants in English and Hinglish.

Stuti R. Datanwala
For businesses

Datanwalas Consulting

Acquiring, card acceptance, UPI, tokenisation, cross-border and go-to-market, as a fractional leader, project consultant or workshop lead.

Work with us See our expertise

Taking on new assignments · Mumbai and remote

For consumers & merchants

Payments in 60

UPI, cards, refunds, fraud and the payments news that matters, explained in about a minute, in English and Hinglish. Plus live seminars for groups.

Explore Payments in 60 Book a seminar

Instagram ↗ · YouTube ↗

Ways to work together

Pick the shape that fits the problem

Fractional

Head of Payments or Acquiring

Agreed part-time ownership of payments strategy, partner coordination and delivery oversight, without a full-time hire.

Project

Defined assignments

Assessments, solutioning, product design or implementation work with a clear scope and outcome.

Collaboration

Specialist for consulting and tech firms

Payments depth on your client engagements, presales, solution design and proposals.

Workshops

Corporate training

Practical sessions on acceptance, cards, UPI and tokenisation for product, sales and operations teams.

Based in Mumbai. Available for remote engagements. Read about Stuti’s experience →

Contact

Have a payments problem to solve? Let's talk.

Tell us a little about what you're building or fixing, and we'll come back with how we can help.

Emailstuti@datanwalasconsulting.com
Phone+91 98198 16946
LinkedInin/stutidatanwala ↗
01 · IntroductionAbout Stuti

25 Years Behind Every Tap, Swipe & Pay.

Meet Stuti R. Datanwala

Payments and fintech leader with experience at Visa, NPCI and Worldline, and three ventures of her own.

Stuti R. Datanwala

She has worked on every side of a payment: the global card network, the national scheme, the gateway and the startup.

At Visa, Stuti led Acceptance Solutions (CyberSource) for India, partnering with banks, merchants and payment providers, and ran the tokenisation and RuPay programmes the whole market had to deliver. At NPCI she drove RuPay eCommerce acceptance across India's largest merchants.

Before that she co-founded eazy2pay, one of India's first payment gateway companies, launched in 2000. She also founded a loyalty wallet startup and ran a payments software company with clients in India, the US, Europe and Australia.

Today she leads Datanwalas Consulting and consults with Juspay. She also explains payments to everyday consumers on Payments in 60.

~25 yrsin payments & enterprise tech
$10M→$21MVisa Acceptance Solutions growth, India & South Asia
20+merchants & aggregators live on RBI tokenisation
240+merchants on eazy2pay
02 · ExpertiseAbout Stuti

Ten Ways We Make Payments Work.

Acquiring & acceptance

  • 01
    Digital payments: acquiring, e-commerce and merchant acceptance

    Card, UPI and online acceptance from onboarding to settlement.

  • 03
    Merchant acquiring and payment gateway strategy

    E-commerce acceptance plans and new merchant propositions.

  • 05
    Cross-border payments and international card acceptance

    Global schemes, international cards and remittance propositions.

Product & commercial

  • 02
    Product assessment and roadmaps

    For payment gateways, processors and orchestrators.

  • 04
    Payment product design

    From the opportunity and requirements to implementation and launch.

  • 09
    Commercialisation and go-to-market

    Pricing, positioning, partners and launch strategy.

Risk, experience & partners

  • 06
    Security, tokenisation and fraud-risk controls

    Tokenisation, authentication and controls that meet RBI and scheme rules.

  • 07
    Customer journey reviews

    Better onboarding, higher payment success, smoother checkout.

  • 08
    Partner and provider evaluation

    Payment partners, technology providers, networks and fintechs.

Learning

  • 10
    Training and workshops

    Practical sessions on acceptance, cards, UPI, tokenisation and payment safety.

03 · Track recordAbout Stuti

Built It. Sold It. Ran It.

Chapter 1

The start

Enterprise technology sales at NIIT and Tata Infotech, winning clients such as American Express, SITA, Union Bank of India and the Airports Authority of India. Then payments itself at enStage, leading gateway implementations for banks.

Chapter 2 · The founder years

Three companies, built from scratch.

Co-founder & Managing Directoreazy2pay

One of India's first payment gateway companies, co-founded in 2000. Grew to 240+ merchants, with acquiring through Citibank and IDBI Bank, and was acquired by Venture Infotek, now part of Worldline.

Founder & CEOKnowledge Architects

A 20-person software firm building payment, prepaid card and loyalty systems for Microsoft, British Gas and the Tata Finance–American Express card.

Founder & CEOiOwn Technologies

One of India's first consolidated loyalty wallets, turning reward points into money at checkout. MoU with SBI Card, partnership with Yodlee.

Chapter 3

Inside the networks

Remote payments at Worldline. RuPay eCommerce at NPCI, bringing RuPay credit and debit acceptance to India's top 200 online merchants. Seven years at Visa, rising from Senior Sales Engineer to Director, Acceptance Solutions (CyberSource), and leading India's Technical Centre of Excellence. Today, consultant to Juspay.

Chapter 4

What it added up to

Visa Best Team award

For managing the RBI card data purging requirement.

US$10M → US$21M

Visa Acceptance Solutions growth, ~40% of revenue in her charge.

RBI tokenisation

2 banks and 20+ merchants live, plus RuPay BEPG.

Top 200 on RuPay

Merchant acceptance rolled out at NPCI.

30% above target

And 5% higher approvals, as a Visa sales engineer.

A gateway built & sold

eazy2pay, launched 2000, acquired by Venture Infotek.

04 · CredentialsAbout Stuti

Qualified to explain it. Experienced enough to fix it.

PMP · Diploma in Cyber Law, Asian School of Cyber Laws · Advanced Diploma in Systems Management, NIIT · B.A., Delhi University

Less guesswork. More go-live.

Work with us Contact
Payments in 60 · by Stuti Datanwala

Your money, explained in 60 seconds.

Paisa kaise chalta hai, ek minute mein.

Payments in 60 is a consumer education channel on Instagram and YouTube. Every video takes one thing about how you pay, like UPI, your debit card, a new RBI rule or the latest scam, and explains it in plain English and Hinglish in about a minute. No jargon and no selling. Just what you need to know, from someone who spent 25 years building India's payment systems.

Book a seminar → Instagram · @paymentsin60 ↗ YouTube · Payments in 60 ↗
Anatomy of one episode0:60
0:00The hook

A myth or a question you've probably wondered about.

0:10The real answer

How it actually works, from someone who helped build it.

0:45What to do

One thing you can check or change today.

0:60Done

You know a little more about your own money.

What you'll find

One reel a day. One thing you should know.

Every day, Payments in 60 posts a single reel of about a minute. Each one takes one of these six forms.

NEWS

Payments news

The one payments story that matters today. What changed, and what it means for you.

When something changes

SERIES

A series

One topic told over several reels, like Tap, Dip, Swipe on how card payments really work.

Part by part, in order

INTERVIEW

An interview

Real people on how they pay, what confuses them, and what payments people know that the rest of us don't.

Conversations

MYTH

A myth, busted

Something most people believe about UPI, cards or banks, and what actually happens.

Myth vs fact

FRAUD

A fraud, explained

How a real scam works, step by step, and the one thing that would have stopped it.

Stay safe

A → Z

The A to Z of payments

One payments word at a time, from acquirer to zero liability, explained the way you'd explain it to a friend.

One word at a time

A taste

The kind of thing we clear up

What people think

"Anyone can tap my card and empty my account."

What actually happens

A contactless tap works without a PIN only up to ₹5,000 a transaction.

Your bank also sets a daily total for PIN-free taps. Once you cross it, the terminal asks for your PIN again. You can turn contactless off, or change the limit, in your banking app.

Who it's for

Anyone who pays or receives payments. Which is everyone.

Everyday users

Understand what happens when you scan, tap or swipe, and what to do when something goes wrong.

Parents & elders

Simple explainers to share with family members who are new to digital payments or worried about fraud.

Small business owners

What your QR code, payment gateway and settlement report are really doing.

Students & new joiners

A friendly starting point for anyone beginning a career in banking or fintech.

Pay safe, pay smart

Most fraud doesn't break the system. It talks you into opening the door.

Safety runs through everything on the channel. Stuti makes videos on remote-access scams, fake refunds, collect requests and other tricks, and takes part in #CreatorsAgainstCyberCrime, the cyber-fraud awareness effort.

She also runs Pay Safe, Pay Smart, a live session on protecting yourself and your family while paying digitally. It is available for communities, housing societies, colleges and workplaces.

Book a seminar

Follow along

One minute a day. That's all it takes.

Banks, brands and organisations working on financial literacy or payment safety can get in touch about collaborations. Payments in 60 is an initiative of Datanwalas Consulting.

Live session · For D2C foundersPayments in 60

Payments, Made Easy for D2C Founders.

A one-hour live session on choosing the right payment gateway, understanding what each order really costs you, and stopping failed payments from losing you sales. Led by Stuti R. Datanwala, with nearly 25 years in payments. In English and Hinglish, and every attendee takes home a one-page gateway comparison checklist.

Wed, 11 Nov2026
5 PM or 7 PMIST · choose a batch
Live onlineMicrosoft Teams · join from your browser
₹49per person · 15 seats a batch
Register now What you'll learn
01 · Sound familiar?Payments in 60

Payments Shouldn't Feel Like Guesswork.

  • 01
    Matching UPI screenshots to WhatsApp orders, by hand
  • 02
    The customer's money is debited, but the order shows failed

    And you don't know what to tell them.

  • 03
    Every gateway says its fees are the lowest

    So how do you actually compare them?

  • 04
    Your sales and your bank credit never match

    Deductions you can't explain.

  • 05
    COD orders come back unopened

    And you've paid shipping both ways.

  • 06
    KYC and document requests you didn't expect

    Holding up your launch.

  • 07
    A customer disputes a payment weeks later

    And the money is pulled back from your account.

  • 08
    Customers drop off when a payment fails at checkout

    And you never find out why.

You started a brand to build products. Not to decode payments.

02 · What you'll learnPayments in 60

Walk Away Knowing This.

Choosing a gateway

What to compare: fees, settlement time, onboarding and support. You'll leave with a one-page checklist to compare any two gateways.

What each order really costs

Transaction fees, GST on those fees, and the charges nobody mentions upfront.

Example: a ₹1,000 order at a 2% fee costs ₹20, plus ₹3.60 GST on that fee. ₹976.40 reaches you.

Is UPI really free for your brand?

What zero MDR on UPI means in practice, and what to check in your gateway's pricing.

Money debited, order failed

Exactly what to tell your customer, the timelines RBI sets for reversing failed payments, and the compensation customers are owed if those are missed.

Chargebacks and disputes

What to do when a customer disputes a payment, and how to keep the proof that wins it.

More payments that go through

Why payments fail at checkout, and the settings and payment options that lift your success rate.

Settlements and cash flow

When your money reaches the bank, and how to plan around it.

Beyond WhatsApp and COD

When to move to a proper checkout, and how to nudge customers to prepaid with discounts, partial COD or a small token payment.

Plus: live Q&A with Stuti

Bring your own setup and get answers specific to your brand.

03 · Your expertPayments in 60

Stuti R. Datanwala

Former Director at Visa, ex-NPCI, co-founder of one of India's first payment gateways, and founder of Payments in 60. Nearly 25 years in payments.

Stuti R. Datanwala
  • ✓
    An insider's view

    How gateways, cards and UPI work behind the scenes, from someone who built and ran them.

  • ✓
    Practical, not theoretical

    Clear guidance on picking a gateway and keeping fees under control.

Stuti has run a Pay Safe, Pay Smart session with Thinkly and makes daily payments explainers on Payments in 60.

Read Stuti's full story →

04 · Session detailsPayments in 60
Date
Wednesday, 11 November 2026
Batch 1
5:00 to 6:00 PM IST
Batch 2
7:00 to 8:00 PM IST
Duration
1 hour, including live Q&A
Where
Online, on Microsoft Teams. Join from your browser, no download needed
Language
English and Hinglish
You get
A one-page gateway comparison checklist
Seats
15 per batch
Price
₹49 per person
Joining link
Shared after your seat is confirmed

No payment needed to register. We confirm your seat on WhatsApp and send payment details then.

Reserve my seat
05 · QuestionsPayments in 60
What language is the session in?

English and Hinglish. Ask your questions in whichever you're comfortable with.

Do I need a payment gateway already?

No. The session works whether you're taking UPI on WhatsApp, already on a gateway, or still planning your launch.

Do I need to install Microsoft Teams?

No. You can join from your browser using the link we send after confirmation.

What if I can't make my batch?

Pick "Either works" when you register, or message us on WhatsApp and we'll try to move you to the other batch.

Will it be recorded?

It's a live, interactive session. If you can't attend, tell us on WhatsApp and we'll let you know about the next date.

How do I pay the ₹49?

You don't pay to register. Once we confirm your seat on WhatsApp, we send you the payment details.

06 · RegisterPayments in 60

Save Your Seat.

Every registration is confirmed personally on WhatsApp.

You are a… *
How do your customers pay you today?
Your biggest payments challenge
Preferred batch *

Want a seminar for your own group?

Housing societies, colleges, workplaces, banks and communities. In English or Hinglish, online or in person.

Less confusion. More confidence.

stuti@datanwalasconsulting.com