Devang Gaur
Payments & AI Product Leader

8+ years driving payment innovation at Adobe, PayPal, and Dell. Specializing in global payment optimization, fraud detection, and ML-powered risk management that has generated $40M+ in revenue and reduced fraud by millions.

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Devang Gaur

Experience & Background

8+ years transforming payment systems at enterprise scale

Building the Future of Payments

As a Senior Product Manager with deep expertise in global payments and AI-powered optimization, I've spent nearly a decade transforming how enterprises handle payment processing, fraud detection, and risk management.

My journey spans leading product initiatives at Adobe, where I pioneered ML platforms and expanded payment operations across global markets, to PayPal, where I architected real-time fraud detection systems processing billions in annual volume, and Dell Technologies, where I revamped checkout experiences generating millions in additional revenue.

My expertise lies at the intersection of payments technology and artificial intelligence—building systems that don't just process transactions, but intelligently optimize every aspect of the payment lifecycle. From implementing PSD2 compliance and 3DS2 authentication across markets to designing ML-powered retry strategies and fraud detection engines, I focus on turning complex payment challenges into measurable business outcomes.

$40M+
Annual Revenue Impact
8+
Years in Payments
15+
Global Markets

Featured Work

Recent thought leadership, media coverage, and insights

Industry Article

From Optimization to Autonomy: Building Data Foundations for Agentic Payments

Exploring how AI agents are transforming payment processing through intelligent automation and data-driven decision making.

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Media Feature

The Future of Payment Optimization: Using AI to Make Every Transaction Count

Featured in FinanceFeeds discussing how artificial intelligence is revolutionizing payment success rates.

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Latest Blog

Virality is Not Born, It Is Made: Part 2

How companies strategically design products to become viral through social currency and the STEPPS framework.

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Core Expertise

Building intelligent payment systems where AI meets payments infrastructure

Authorization Intelligence

ML-powered authorization optimization, network token implementation (Visa NTI, Mastercard TRACE ID), and intelligent retry strategies

Agentic Payment Systems

Building autonomous payment workflows with AI agents that make intelligent routing and processing decisions

AI-Powered Risk Management

Real-time fraud detection, predictive risk scoring, and ML models processing billions in payment volume

Payment Optimization

Data-driven algorithms for routing, compliance automation (PSD2, 3DS), and payment chain architecture

Stored Credentials & Tokenization

Card-on-file compliance, secure credential storage, and tokenization strategies across payment networks

Global Payment Infrastructure

Local payment methods, cross-border optimization, and multi-gateway orchestration at scale

Product Insights Blog

Thoughts on product management, design, and building great products

Sep 15, 2021 Products

Virality is Not Born, It Is Made: Part 2 | Minting Social Currency

Exploring how companies strategically design products to become viral through social currency using three key strategies: intrinsic peculiarity, game mechanics, and creating insiders.

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Sep 7, 2021 Design

Virality is Not Born, It Is Made: Part 1

Introduction to Jonah Berger's STEPPS framework and how products achieve viral success through strategic design rather than accident.

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Aug 2, 2021 Culture

Spotify | Tribe Engineering Model

Exploring Spotify's innovative organizational structure with squads, tribes, chapters, and guilds for managing product development teams effectively.

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Jul 4, 2021 Products

What is 'Disruptive Innovation'?

Examining the commonly misunderstood concept of disruptive innovation using Tesla as a case study to show what disruption really means.

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Jun 18, 2021 Products

Is Minimum Viable Product, Viable Anymore?

Arguing why the traditional MVP approach has become less effective and why Minimum Lovable Product (MLP) is a better option in today's market.

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Jun 5, 2021 Products

What Drives User Behavior?

Exploring Prof. B.J. Fogg's behavior model (B = MAT) and how tech companies leverage psychology to create habit-forming products.

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Jun 1, 2021 Products

Manipulation Matrix | A Tool to Assess Habit Forming Products

Examining Nir Eyal's Manipulation Matrix framework through Flappy Bird's story and the ethics of building habit-forming products.

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May 14, 2021 Products

Why Do Products Fail?

Exploring product failure through the painkiller vs vitamin framework and how successful products blend both categories to form habits.

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Industry Publications & Media

Thought leadership on payments and AI

Merchant Risk Council

Card-on-File Done Right: How to Stay Compliant with the Stored Credential Mandate

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Merchant Risk Council

Boosting Authorization Success: A Practical Guide to Visa NTI and Mastercard TRACE ID Mandates

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Merchant Risk Council

Building a Trusted Payment Chain

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The Paypers

From Optimisation to Autonomy: Building the Data Foundations for Agentic Payments

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TechTimes

Beyond the Failure Point: How Devang Gaur is Making eCommerce Payments Work Intelligently

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FinanceFeeds

The Future of Payment Optimization: How Devang Gaur is Using AI to Make Every Transaction Count

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Inverse

Regulation as Advantage: How Devang Gaur Turns Compliance into a Growth Strategy

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Apple News

Featured Article on Payment Innovation

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Industry Recognition & Speaking

Sharing insights at leading payment industry conferences

Speaking at Merchant Risk Council
Merchant Risk Council

Payment Innovation & Risk Management

Presented on payment optimization strategies, involuntary churn reduction, and the impact of payment failures on customer experience and business KPIs.

Panel at Payments Leadership Summit
Payments Leadership Summit

Panel Discussion: Future of Payment Technology

Participated in expert panel discussing AI-powered payment optimization, network tokens, and emerging payment technologies shaping the industry.

Payments Conference Speaking
Industry Conference

Payment Compliance & Global Expansion

Shared insights on navigating payment compliance mandates, implementing local payment methods, and scaling payment operations across global markets.

Payment Education Video Series

23 videos breaking down complex payment concepts

Life of a Dollar (18 videos)
Local Payment Methods (5 videos)
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Series Announcement

Life of a Dollar - Series Launch

Introduction to the educational series exploring how payment transactions work from start to finish.

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Episode 1

The Fresno Drop

The fascinating origin story of how credit cards began with the Fresno Drop experiment.

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Episode 2

Open vs Closed Networks

Understanding the fundamental difference between open and closed payment networks.

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Episode 3

Payments Stakeholders

Meet all the key players involved in processing a single payment transaction.

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Episode 4

Cash Discounts

How cash discounting programs work and their impact on payment processing costs.

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Episode 5

Costco & American Express

The strategic partnership between Costco and AmEx and what it teaches about payment economics.

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Episode 6

Merchant Category Codes

Understanding MCCs and how they categorize merchants in the payment ecosystem.

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Episode 7

Card Numbers Explained

Decoding the meaning behind every digit on your payment card.

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Episode 8

Tokenization

How tokenization protects card data and improves payment security.

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Episode 9

Card Expiration Dates

Why cards expire and what happens when expiration dates approach.

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Episode 10

Chargebacks

Understanding the chargeback process and its impact on merchants.

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Episode 11

3D Secure Authentication

How 3DS adds an extra layer of security to online payments.

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Episode 12

Reward Cards

How credit card rewards programs work and who benefits from them.

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Episode 13

Who Pays for Rewards?

The economics behind credit card rewards and who really foots the bill.

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Episode 14

ZIP Code Security

How ZIP code verification adds security to card-not-present transactions.

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Episode 15

CVV Security Code

The role of CVV codes in protecting against payment fraud.

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Episode 16

Card Testing Fraud

How fraudsters test stolen cards and how merchants can defend against it.

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Episode 17

The Durbin Amendment

Understanding the Durbin Amendment's impact on debit card interchange fees.

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Episode 1

Introduction to Local Payment Methods

Understanding why local payment methods are crucial for global payment operations and regional preferences.

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Episode 2

India - UPI (Unified Payments Interface)

How UPI revolutionized digital payments in India with instant, interoperable transactions.

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Episode 3

Brazil - PIX

Brazil's instant payment system that transformed the country's payment landscape.

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Episode 4

Netherlands - iDEAL

The Dutch online banking payment method that dominates e-commerce in the Netherlands.

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Episode 5

China - WeChat Pay

Understanding WeChat Pay's dominance in China's mobile payment ecosystem.

View all payment education videos on my LinkedIn profile

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Let's Connect

I regularly speak on AI/ML in payments, product management, and risk management. If you're looking for expertise in these areas or want to discuss collaboration opportunities, connect with me on LinkedIn.

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