Pick My Brain with Alan Jones 
About Gaurav Rana
Gaurav Rana is a founder of GANI Pay, a Sydney company building payment products on Australia's New Payments Platform and its PayTo service. Its first product, OnRepeat, lets people schedule recurring bills such as rent, electricity and internet around their payday through a single PayTo mandate approved through their existing bank. A planned second product, Drift, is designed to let merchants take PayTo bank payments at a flat rate instead of paying card fees.
When he appeared on Pick My Brain with Alan Jones in August 2025, Rana pitched an earlier form of the business: a mobile-first QR payment platform that let small merchants bypass card networks for a flat monthly fee while offering shoppers cash-back.
- Talks about
- Fundraising, Startup Lessons
In conversation.
1 episode
Pick My Brain with Alan Jones Go straight to the good bits.
Key moments from The 4 Things Every Investor Wants to Hear in Your Pitch.
- 1:40What is GANI Pay? Mobile-first QR payments without the card fees
- 3:00Gaurav’s early ambitions: from science to entrepreneurship
- 4:15The problem: why tap payments quietly cost Australians billions
- 6:10How GANI Pay works: bypassing Visa/Mastercard with NPP & PayTo
- 8:20Merchants’ biggest question: will customers adopt it?
- 9:50Building trust: compliance, security, and banking partnerships
- 12:15Go-to-market: targeting high-volume, sub-$100 transactions
- 14:30Competing with Afterpay & co: different problem, different value
- 15:55Alan on finding the most promising merchant verticals
- 17:40Fundraising plans: seeking $600k to scale tech & marketing
GANI Pay on Day One
GANI Pay is a Sydney-based payments business, operated by GANI Tech Pty Ltd, that is building PayTo-native payment infrastructure on Australia's New Payments Platform.
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