Key Takeaways for Product Owners: Mastering Payment Gateways & QR Codes in FinTech
- Swarup Kumar
- Feb 15
- 1 min read
As an Account Delivery Head leading FinTech platforms at SLK Software (Altimetrik), I've seen firsthand how payment infrastructure makes or breaks merchant success. This concise deep dive distills real-world essentials into actionable insights for Product Owners—focusing on transaction flows, compliance, integrations, and QR innovations without overwhelming theory.
Master End-to-End Transaction Flows
Grasp the full lifecycle: authorization, capture, settlement, and refunds. POs learn to design MVPs that embed PCI-DSS compliance from day one, ensuring scalability for high-volume e-commerce while minimizing friction in user journeys.
Smart Integration Choices
Hosted pages and iFrames outperform raw APIs for rapid launches—reducing compliance burdens and dev time. Prioritize these for fraud-resilient UIs, balancing seamless UX with cost-effective scalability in merchant dashboards.
Chargebacks and Revenue Defense
Dive into dispute mechanics, prevention strategies, and PSP negotiations to keep chargeback ratios below 1%. These tactics directly safeguard margins, enhance retention, and inform feature roadmaps like automated refund workflows.
QR Code Deployment Strategies
Unlock UPI-powered omnichannel payments via static/dynamic QR codes. Key for emerging markets: ensure interoperability, regulatory alignment, and merchant onboarding hooks to drive adoption in digital banking products.
These insights equip POs to lead payment-centric innovations confidently—bridging business outcomes with technical reality.
What's your biggest payment challenge? Share below!



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