Beyond the Counter: How India’s Payment Giants Really Own a Merchant
BY SHREYAS KHARE · 5 MIN READ
Payments · Affordability · Partnerships
Shreyas Khare
Former - OnePlus · Reliance · FirstCry · Tata Croma
India's money economy, decoded from inside the deals.
I'm Shreyas Khare. For nine years I've structured the payments and affordability deals most people only read about. This is where I write them down.
Shreyas Khare
Former - OnePlus · Reliance · FirstCry · Tata Croma
Bengaluru, India
Shreyas Khare
I've spent a decade on the other side of the table — building the banking & fintech, affordability and brand deals behind India's biggest brands. Most analysis describes the headlines. I explain the economics underneath them.
— Shreyas Khare, payments & partnerships operator
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Beats I cover from the inside — built to teach, and to rank.
BNPL & Affordability
No-cost EMI economics and who really funds it.
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EMI & Affordability
EMI economics and who really needs it.
1 article →
Partnerships & Deals
Where Smart Deals Meet Strategic Partnerships.
0 articles →
Co-branded Cards
Interchange, economics, why partnerships fail.
2 articles →
Orchestra of Payments
PA - PG - Orchestrator & their Success
4 articles →
Gift Cards & Prepaid
Closed-loop economics, 0→1 builds.
0 articles →
Partnership Strategy
Deal structuring, governance, the craft.
1 article →
Agentic Payments
MCP, Agent Pay, UPI's next act.
2 articles →
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Worldline
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Flat vs reducing interest rate on home loans: The difference can change your total repayment dramatically
Many borrowers focus only on the EMI while taking a home loan, but the method used to calculate interest can…
2 months ago
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Shreyas Khare
Payments & Partnerships
Ever stood at checkout wondering whether to pick no-cost EMI, a regular EMI plan, or take the instant discount — only to feel unsure which one actually saves you more?…
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Shreyas Khare
Payments & Partnerships
In a UPI-first India, the platforms winning aren’t just accepting payments — they’re embedding them…
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Shreyas Khare
Payments & Partnerships
𝑁𝑒𝑣𝑒𝑟 𝑡ℎ𝑜𝑢𝑔ℎ𝑡, a comedy show might be more influential than a motivational speaker or a bestseller if you think through…
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About
The operator behind the writing.
I'm Shreyas Khare — a payments and partnerships leader based in Bengaluru. For nine years I've built partnerships affordability ecosystems, payment programs, and gift-card platform across some of India's largest consumer businesses.
OnePlusReliance · TiraFirstCryTata Croma
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