Tap, beep, done. Australia’s payment experience is one of the world’s most convenient, but also one of the most expensive. Small businesses lose thousands a month in card and scheme fees, while everyday Australians pay hundreds each year just to access their own money. In this episode of Pick My Brain, Gaurav Rana, co-founder of GANI Pay, joins Alan Jones to pitch his mobile-first payment platform designed to bypass the legacy card system entirely. GANI Pay uses NPP, PayID, and PayTo to enable instant, secure QR payments, with flat monthly fees for merchants and cash-back rewards for consumers. Alan and Gaurav dig into the economics of “tap and go,” how to convince both merchants and customers to switch, and why regulatory trust is just as important as slick tech in fintech. They also explore GANI Pay’s go-to-market focus on high-volume, low-ticket retailers, and what it takes to turn a payment product into a movement. If you’re building in fintech, payments, or tackling an entrenched incumbent, this is a masterclass in pitching, positioning, and finding your wedge. Time Stamp 01:40 – What is GaniPay? Mobile-first QR payments without the card fees 03:00 – Gaurav’s early ambitions: from science to entrepreneurship 04:15 – The problem: why tap payments quietly cost Australians billions 06:10 – How GaniPay works: bypassing Visa/Mastercard with NPP & PayTo 08:20 – Merchants’ biggest question: will customers adopt it? 09:50 – Building trust: compliance, security, and banking partnerships 12:15 – Go-to-market: targeting high-volume, sub-$100 transactions 14:30 – Competing with Afterpay & co: different problem, different value 15:55 – Alan on finding the most promising merchant verticals 17:40 – Fundraising plans: seeking $600k to scale tech & marketing 18:35 – How to become an “investable” fintech in 60 days 20:45 – Movement vs product: can GaniPay spark a payments revolution? Resources 🙋🏻♂️ Gaurav Rana – https://www.linkedin.com/in/gauravrana841/ 💰 GaniPay – https://ganipay.com.au/ Sponsors:Pick My Brain is supported by our wonderful sponsors:Deel: Founders scale faster on Deel. Set up payroll for any country in minutes, hire anyone anywhere, and get visas handled fast, so you stay focused on scaling. Deel takes care of onboarding, HR, IT, EOR, benefits, and compliance, so your team can grow without borders. It’s why more than 40,000 fast-growing companies trust Deel to move fast. Visit https://www.deel.com/dayone ___ Galah Cyber offers Application Security Assessment Get a clear, ten-minute snapshot of your AppSec maturity across the five core principles. Fast, practical insights you can act on straight away at https://www.galahcyber.com.au/assess The Day One NetworkPick My Brain is part of Day One, the podcast network dedicated to founders, operators & investors.To learn more, join our newsletter to be notified of new and upcoming shows. The only content we create is content that will help Australian founders. Mentioned in this episode: Deel x PX_Script 1 Deel x PX_Script 2