About
About Payments Architects
Payments Architects is a boutique consultancy specializing in payments strategy, architecture, and technology transformation. Founded by PJ Gupta, we help organizations modernize payment capabilities, evaluate technology decisions, and execute complex initiatives — combining deep industry experience with hands-on technical depth.
Expertise
Deep experience across payment strategy and architecture, spanning core payment rails, network security, orchestration, and modern API-driven infrastructure.
- Payments strategy and product direction
- Payment architecture: ACH, RTP, FedNow, Cards, ISO 20022
- API design and payment orchestration
- Payment network architecture and security
- Technology evaluation and due diligence
Approach
Every engagement starts with the business problem, not the technology. We work closely with executive stakeholders to align payment strategy with organizational priorities, then apply technical depth to design architecture that holds up under real-world scale and complexity.
Founder
Payments Architects was founded by PJ Gupta, who has advised enterprise organizations, banks, fintech companies, B2B platforms, marketplaces, and investors on payment strategy, architecture, and transformation initiatives. He built Checkbook from its first line of code into a push-payments platform processing tens of billions of dollars in volume, founded Noca Inc., and held Chief Architect and network security leadership roles at Visa. He holds a degree from The Ohio State University.
View LinkedIn ProfileCareer Timeline
Two decades building and leading payment infrastructure, from network architecture at Visa to founding and scaling Checkbook.
Our Team
Payments Architects is growing. Meet our founder — and the roles we're building out next.
PJ Gupta
Founder & Principal
Payments Architecture Advisor
We're growing our team.
Role openClient Engagement Lead
We're growing our team.
Role open