13+ yrs experience in Architecture, Design & Development of Payment Gateways, EMV compliance, PCI DSS , Card issuance, Card management, Credit/Debit authorization, check authorization, eGift, Fleet card management, prepaid card management, prepaid recharge, channel management like IVR, POS , ATM, gaming terminals, internet payments, 3D secure, payment fraud management, VISA/MASTER interface, PKI, key management, HSM interface, ISO 8583