Aarav Dandekar

Aarav covers payments, digital banking and financial services for small businesses. His articles examine fees, settlement times and the steps between a payment instruction and money reaching its destination.

Latest

A payment card linked to a merchant storefront, illustrating merchant-only credit-card payments.

Fintech & Payments · Oct 8

RuPay Credit Cards on UPI: Where You Can Pay

Linking a RuPay card adds a credit payment option at eligible merchants.

Illustration of a phone chat with a verified tick, a large check mark, a leaflet and a graduation cap

SEBI · Oct 6

SEBI Opens an Official WhatsApp Channel and a Campus Literacy Scheme

SEBI's WhatsApp channel uses 1800 22 7575 and a verified blue tick; a new MUST scheme trains campus mentors.

A bank building with a protective shield beside a network of connected nodes

RBI · Oct 5

RBI Governor on Financial Stability: AI Valuations and Cyber Risk

Sanjay Malhotra's 3 October speech lists five global risks and says India's financial system is very resilient.

Three steps joined by arrows: a phone showing an alert, a bank building and a pair of scales

UPI · Oct 4

How to Raise a UPI Complaint: App, Bank, NPCI and the RBI Ombudsman

Start with your UPI app or bank; NPCI passes complaints on, and the RBI Ombudsman comes after 30 days.

A broker website and a trading app, each showing a notice banner at the top of the landing page above market data

SEBI · Oct 3

SEBI Project Jagrook: Brokers Must Show Investor Awareness Messages

Brokers show SEBI investor messages on websites from 5 October and on app landing pages from 1 November.

A grid of monthly cards with completed recurring debits, one paused month and empty months after cancellation, beside a phone list of mandates with on and off switches

UPI · Oct 3

UPI AutoPay Mandates: How to View, Pause and Cancel Recurring Debits

Cancel UPI AutoPay from any app, the merchant or your bank. Loan and EMI mandates are the exception.

A bank building with an arrow pointing to a ring chart with a 10 per cent segment highlighted

RBI · Oct 2

RBI Opens a One-Time Approval Route for Bank Shareholding by Funds

Mutual funds, insurers and pension funds can seek one RBI approval to rebuild bank stakes up to 10%.

A UPI QR code beside bars that turn blue after a ₹2,000 threshold line and stop below a dashed cap line

UPI · Oct 2

UPI MDR From 15 October: What Merchants Pay and What Stays Free

A 0.4% MDR on UPI merchant payments above ₹2,000 starts on 15 October. Customers and small vendors stay exempt.

A customer holds a phone towards a payment QR display on a bookshop counter.

UPI · Sep 25

What Happens After You Scan a UPI QR Code?

Follow a UPI payment from scan to receiving record, then examine what five months of NPCI figures reveal.

A phone above an NFC payment terminal beside a customer-support symbol.

UPI · Sep 11

UPI Adds POS Tap Payments and a New Customer-Support Platform

NPCI adds NFC payments using the POS connection and MyUPI tools for support and user controls.

Two small machines connected by a payment cable beside a budget dial.

Agent payments · Jun 11

Mastercard Proposes Controls for Payments Made by Software Agents

Mastercard's machine-payment offering adds credentials, spending permissions and settlement.

Laptop with a command prompt symbol beside a receipt printer.

Razorpay · May 27

Razorpay CLI Brings Payment Operations Into the Developer's Terminal

Razorpay puts payment queries, orders and refunds inside developers' command-line workflows.

Payment stand, calculator and receipt rolls on a shop counter.

UPI · Apr 30

UPI's FY2026 Numbers Show More Payments and a Lower Average Ticket

UPI transaction counts rose faster than value in FY2025–26, lowering the average payment.

Model bank buildings connected by a direct payment rail.

Payment infrastructure · Mar 4

Kraken Financial Gets a Limited Fed Account: What the Approval Covers

Kraken's banking subsidiary gains a one-year limited account, with institutional payments planned.