Fintech & Payments
India's fintech sector operates within one of the most dynamic and prescriptive regulatory environments globally. The regulatory frameworks are detailed, change frequently, and vary significantly depending on the specific financial product or service being offered.
We advise fintech companies, payment service providers, and digital lending platforms on the commercial, contractual, and compliance dimensions of building financial technology products. From UPI integration agreements to fintech partnership structuring to digital lending compliance frameworks, we help fintech companies build commercially sound products with robust contractual and compliance foundations. Our approach starts with understanding the product's payment flows and commercial model, then mapping the applicable regulatory obligations onto that architecture.
What We Do
- Fintech contracting and commercial structuring
- Payment aggregator and payment gateway compliance advisory
- Digital lending compliance frameworks (RBI DLG guidelines)
- UPI and payment infrastructure agreements
- KYC/AML/CFT compliance advisory
- Fintech partnership and co-lending agreements
- Technology partnership and platform integration agreements
Regulatory Context
India's fintech regulatory framework is anchored by the Payment and Settlement Systems Act 2007, supplemented by RBI Master Directions covering payment aggregators and gateways, prepaid payment instruments, digital lending, and KYC requirements. FEMA regulations govern cross-border payment flows, while the Prevention of Money Laundering Act 2002 imposes AML and CFT obligations. SEBI regulations apply to investment-tech platforms, and IRDAI guidelines to insurtech companies. The regime is multi-regulator and frequently updated — we help fintech clients track and respond to changes as they affect the product.
Who This Is For
Payment aggregators and gateways. Digital lending platforms. Neobanks and banking-as-a-service providers. UPI-based product companies. Wealthtech, investment platforms, and insurtech companies. Cross-border remittance services. If you are building a fintech product in India, the regulatory and contractual complexity is significant — this is where we help.