Payment programs don’t fail because technology is missing — they fail because early product, regulatory, and infrastructure decisions are misaligned.
CARD91 provides execution-informed advisory to banks, fintechs, NBFCs, and enterprises—helping teams validate design, ownership, and readiness before capital, infrastructure, and regulatory risk are locked in.
Most payment programs break before the first transaction is processed — when product decisions and infrastructure realities are designed in isolation.
CARD91 separates and aligns these two tracks to prevent failure at launch, scale, and audit.
Validate What You’re Building — Before Infrastructure Is Committed
This track governs
Product construct and operating model clarity
Regulatory ownership, accountability, and sponsor alignment
Ecosystem roles across rails, issuers, sponsors, and partners
Unit economics, pricing logic, and defined risk boundaries
Launch, scale, and audit readiness
Unclear ownership and misaligned economics are the number-one reason regulated programs stall or get escalated post-launch.
Advisory grounded in RBI and NPCI operating frameworks — not hypothetical models.
This track governs
Core payment architecture and system boundaries
Infrastructure and deployment strategy (cloud, on-prem, hybrid)
Security, data localisation, and compliance architecture
Resilience, DR, incident readiness, and uptime governance
Operational visibility and regulatory reporting
Infrastructure decisions made without production context surface as failures during audits, incidents, and scale events.
Advisory informed by real production infrastructure ownership — not post-fact reviews.
CARD91’s advisory teams bring 100+ years of collective experience across regulated payment programs. Supported by strong academic foundations, including IIT Kanpur, our advisors work one-on-one with leadership teams to validate critical decisions—ensuring programs are structured to launch cleanly, scale responsibly, and remain audit-ready.
Before infrastructure is committed and regulatory exposure increases, CARD91 intervenes at the decision layer—where payment programs either become scalable and compliant, or fragile and high-risk.
Validate demand signals, product-market fit, and commercial feasibility within India’s regulated payments ecosystem—before committing capital or partners.
Clarify regulatory pathways, compliance obligations, and ownership responsibilities across issuing, sponsoring, and operating entities.
Structure issuer, sponsor, network, and service-provider roles with clear accountability, governance models, and risk boundaries.
Align launch sequencing, commercial constructs, and readiness milestones with regulatory, operational, and ecosystem constraints.
Define operating models, workflows, approval paths, and escalation structures required for day-one and day-two readiness.
Advise on infrastructure approach, integration sequencing, and execution guardrails—without premature build or vendor lock-in.
A decision-ready, regulator-aligned payment program blueprint—designed to launch cleanly, scale safely, and withstand regulatory and audit scrutiny.
Connect one-on-one with CARD91’s advisory team to validate critical payment decisions — before regulatory, financial, or execution risk compounds.
Submission of an inquiry through this website does not create a client, advisory, fiduciary, or contractual relationship. Any such relationship shall arise only upon execution of a formal written agreement. Confidential information shared during consultations will be handled in accordance with applicable confidentiality agreements.
Sales: sales@card91.io
HR: careers@card91.io
Media: comms@card91.io
Support: support@card91.io
