Fintech & Payments
India's fintech sector operates within one of the most dynamic regulatory environments globally. Vectis Law advises fintech companies, payment service providers, and digital lending platforms on the commercial, contractual, and compliance dimensions of building financial technology products. We understand the technical architecture of payment systems, lending platforms, and digital financial products, and we translate regulatory requirements into actionable product and compliance structures. From UPI integration agreements to fintech partnership structuring to digital lending compliance frameworks, we help fintech companies build commercially sound products with robust contractual and compliance foundations.
Key Services
- Fintech contracting and commercial structuring
- Payment aggregator and payment gateway compliance advisory
- Digital lending compliance frameworks (RBI DLG guidelines)
- UPI and payment infrastructure agreements
- KYC/AML/CFT compliance advisory
- Fintech partnership and co-lending agreements
- Technology partnership and platform integration agreements
- Cross-border payment and remittance structuring
Regulatory Landscape
India's fintech regulatory framework is anchored by the Payment and Settlement Systems Act 2007, supplemented by RBI Master Directions covering payment aggregators and gateways, prepaid payment instruments, digital lending, and KYC requirements. FEMA regulations govern cross-border payment flows, while the Prevention of Money Laundering Act 2002 imposes AML and CFT obligations. SEBI regulations apply to investment-tech platforms, and IRDAI guidelines to insurtech companies. We help fintech clients understand the commercial and compliance implications of this multi-regulator landscape.
Who We Serve
Our fintech and payments practice serves payment aggregators and gateways, digital lending platforms, neobanks and banking-as-a-service providers, UPI-based product companies, wealthtech and investment platforms, insurtech companies, and cross-border remittance services. We work with companies on their commercial agreements, compliance frameworks, and partnership structures as they build and scale.