Interactive tools, built from inside the deals.
Free, live, no signup. Each tool puts the real economics of Indian payments on the table — the math that's usually locked inside pricing teams.
Scam or Legit?
Ten real Indian payment-scam situations. Four minutes. Most people lose money. Can you spot the fakes — without flagging the genuine ones?
Card Chooser — Find Your Card Type
A 60-second adaptive quiz that finds your card ARCHETYPE — not a sponsored card name. No ads, no affiliates, plus a personalised comparison checklist.
Who Pays for Your Free UPI Payment?
Follow one ₹500 payment through the rails — every hop, every cost, and the honest answer to who funds the world's largest free payment system.
Interchange Fee Waterfall
Watch a ₹1,000 card payment split between merchant, issuer, network and acquirer — and see why premium cards cost merchants more.
No-Cost EMI Truth Calculator
Compare no-cost EMI, standard EMI and instant discount for any purchase. Every line item visible — GST, fees, subvention — with a clear verdict on which route saves you the most.
EMI Scheme IRR Calculator
The 8/2s and 10/2s decoded. Model any consumer-durable financing scheme and see the financier's true IRR, the brand's cost and return multiple, and the customer's real annualized cost.
Partnership Deal Health Scorer
Ten questions that separate co-brand deals that compound from the ones that die in year two. Score your deal Red–Amber–Green in two minutes.
Co-branded Card Economics Simulator
Simulate the P&L of any co-brand card partnership from both the bank's and the brand's side. Presets for e-commerce, premium travel and quick-commerce cards.
Built by Shreyas Khare — payments & partnerships operator. Suggestions for the next tool? Reach out.