Global PayEx, Inc. (“Global PayEx,” “we,” “us,” or “our”) respects the privacy of its Users (“User,” “your,” or “you”). This Privacy Policy (the “Privacy Policy”) explains how we collect, use, disclose, and safeguard your information when you use Global PayEx Platform (the “Platform”) through Global PayEx’s website at (the “Website”) or Global PayEx’s mobile application (the “App”, FreePay).

Global PayEx is committed to protecting the privacy of its Users whose information is collected and stored while using Global PayEx’s Platform through our Website or App.

The capitalized terms have the same meaning as ascribed in our Terms of Use or Terms of Service as applicable, unless otherwise noted here.





When you register to use our Website, App, or Platform, we collect personal information (also referred to as personally identifiable information or “PII”) which may include your name, address, online contact information such as your email address or username, phone number, and other personal information. The information so collected will be stored on our servers. 

  1. Geolocation and Equipment Information.  We may collect information that does not personally identify you such as (i) your geolocation, and (ii) information about your internet connection, the equipment you use to access our Website, App, or Platform, and usage details.
  2. Financial Information. We currently do not collect or store any credit cards or bank information, as we are using a third-party payment processor.  However, we will update this Privacy Policy when we start using and storing such information. We will also inform you via reasonable means if we start collecting such information from you.

We collect personal information from you in the following ways:

  1. At registration on our Website, App, or Platform; 
  2. Through mobile and desktop applications your downloads from our Website, App, or Platform, which provides dedicated non-browser based interaction between you and our Website App, or Platform; 
  3. From forms filled out by you; 
  4. From records or copies of correspondences (including email addresses) if you contact us; and
  5. From search queries on our Website, App, or Platform.

We collect information from you automatically when you navigate through our Website, App, or Platform in the following ways:

  1. IP addresses; 
  2. Information obtained through browser cookies; 
  3. Web beacons on emails sent by us; and
  4. Other tracking technologies. 

We use the information that you provide to:

  1. Provide you with information, products, or services requested from us;
  2. Present our Website, App, and Platform and their contents to you;
  3. Notify you about changes to our Website, App, and Platform and any products or services; 
  4. Allow you to participate in interactive features on our Website, App, and Platform; 
  5. Administer contests, promotions, and surveys or other Website, App, and Platform features; 
  6. Process transactions;
  7. Contact you about our products and services that may be of interest; 
  8. Enable the display of advertisements to our advertisers’ target audiences, although personal information is not shared with advertisers without your consent; and
  9. Send you periodic emails, in accordance with the CAN-SPAM Act of 2003 as detailed in Section 14, via the email address provided by you to (i) send information, respond to inquiries, and/or other requests or questions; ii) process orders and send information and updates pertaining to such orders(iii) send additional information related to your product and/or service; and (iv) market to our mailing list or continue to send email to you after the original transaction has occurred. 

Cookies are small pieces of text used to store information on web browsers. Cookies are used to store and receive identifiers and other information on computers, phones, and other devices. Other technologies, including data we store on your web browser or device, identifiers associated with your device, and other software, are used for similar purposes. In this Privacy Policy, we refer to all of these technologies as “Cookies.” 

We use Cookies on our Website and App (a) keep track of advertisements, (b) compile aggregate data about site traffic and site interactions in order to offer better site experiences and tools in the future, and (c) allow trusted third-party services that track this information on our behalf.  You can set your browser to refuse all or some browser Cookies, but it may affect your user experience. We honor Do Not Track signals and, if one is in place, we will not track, plant cookies, or use advertising. 

We allow third party behavioral tracking and links to third-party web pages.  Occasionally, at our discretion, we may include or offer third-party products or services on our Website, App, or Platform.  These third-party sites have separate and independent privacy policies.  We, therefore, have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our Website, App, or Platform and welcome any feedback at about these sites.  Please contact us at .


Our Website and App are reasonably scanned to meet or exceed PCI Compliance. Our Website and App receive regular security scans and penetration tests.  Our Website and App also receive regular malware scans.  In addition, our Website and App use an SSL certificate as an added security measure. We require username and passwords for our employees who can access your personal information that we store and/or process on our Platform and servers. In addition, we actively prevent third parties from getting access to your personal information that we store and/or process on our Platform and servers.  We accept payment by credit card through a third party credit card processor on our behalf.  We will implement reasonable security measures every time you (a) place an order, or (b) enter, submit, or access your information, (c) register, or (d) access our Platform, on our Website and App. 

  1. Security Measures.  We have implemented measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure. All information you provide to us is stored on our secure servers behind firewalls.  The safety and security of your information also depends on you. Where we have given you (or where you have chosen) a password for access to certain parts of our Website, App, or Platform, you are responsible for keeping this password confidential. We ask you not to share your password with anyone. Unfortunately, the transmission of information via the internet is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted to our Website, App, or Platform. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on our Website, App, or Platform. 
  2. Fair Information Practice Principles.  In the event of a personal data breach, we will notify you within fifteen (15) days via (i) email and/or (ii) our Platform notification system on our Website and/or App.  We agree to the individual redress principle, which requires that individuals have a right to pursue legally enforceable rights against data collectors and processors who fail to adhere to the law. This principle requires not only that individuals have enforceable rights against data users, but also that that individuals have recourse to courts or a government agency to investigate and/or prosecute non-compliance by data processors.

There are times when Personal Information that you have shared with us may be shared by Global PayEx with others to enable us to provide you over Services, including contractors, service providers, and third parties (“Partners”). This section discusses only how Global PayEx may share such information with Partners. We will ensure that our Partners protect your Personal Information. The following describe how and with whom we may share your Personal Information: 

  • Disclosure of Personal Information. 
  1. We may disclose personal information to our subsidiaries and affiliates.
  2. We may disclose personal information in the event of a merger, sale of business, etc.
  3. We require all other Partners, to whom we disclose your personal information, to enter into contracts with us to keep personal information confidential and use it only for the purposes for which we disclose it to such Partners. 
  • Other Disclosure of Personal Information. 
  1. We will disclose personal information (i) to comply with any court order, law, or legal process, including to respond to any government or regulatory request, (ii) to enforce or apply our Terms of Use or Terms of Service and other agreements, including for billing and collection purposes, (iii) if we believe it is necessary or appropriate to protect the rights, property, or safety of Global PayEx, our customers or others, and/or (iv) if it is necessary or appropriate to protect the rights, property, or safety of Global PayEx, our customers, or others, and this includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.
  • Third Party Disclosure.
  1. We do not sell, trade, rent, or otherwise transfer personal information to others, unless we provide you with advance notice.  This does not include our hosting partners and other parties who assist us in operating our Website, App, or Platform, conducting our business, or servicing you, so long as those parties agree to keep this information confidential.  
  2. We do not provide non-personally identifiable visitor information for marketing purposes. 
  • Choices Users Have About How Global PayEx Uses and Discloses Information. 
  1. Tracking Technologies and Advertising. You can set their browser to refuse some or all the browser cookies, but if you disable or refuse cookies, some parts of our App or Platform or Website may not be accessible or function properly. 
  2. Disclosure of Users’ Information for Third-Party Advertising.  Users can opt-out by (i) checking the relevant form when we collect the data; (ii) logging into the Website, App, or Platform and adjusting their preferences in their account profile by checking or unchecking the relevant boxes, or (iii) emailing us their opt-out request at .  Users receiving promotional email can opt-out by sending a return email requesting to be omitted from future promotional email distributions. This opt-out will not apply to information provided by Global PayEx for product purchases, warranty registration, or other transactions.    
  • Disclosure of User’s Information for Targeted Advertising.  Users can opt-out by (i) checking the relevant form when we collect the data, (ii) logging into the Website, App, or Platform and adjusting their preferences in their account profile by checking or unchecking the relevant boxes, or (iii) emailing us their opt-out request at .


  1. Google, as a third-party vendor, uses Cookies to serve advertisements to Users on our Website, App, and Platform. Google uses first-party Cookies, such as Google Analytics Cookies, to compile data regarding User interactions with ad impressions and other ad service functions as they relate to our Platform. We currently use Google Analytics to collect and process certain Website and App usage data. To learn more about Google Analytics and how to opt-out, please visit
  2. We have implemented advertising features on our Website, App, and Platform including: (a) remarketing with Google AdSense; (b) Google Display Network Impression Reporting; (c) Google Demographics and Interests Reporting; and (d) Google’s DoubleClick platform integration. 
  3. We use these Cookies to compile data regarding User interactions with ad impressions and other ad service functions as they relate to our Website or App. 

We have subsidiary in India. Most of the operations are located in India, Ghana, Ireland, Uganda and the United States. Your Personal Information, which you give to us during  registration or use of our Website, App or Platform, may be accessed by or transferred to us globally.  If you are visiting our Web site or registering for our Services be aware that your Personal Information may be transferred to, stored, and processed globally. Our servers or our third-party hosting services partners are located globally.  By using our site, you consent to any transfer of your Personal Information out of Europe, UK, or Switzerland for processing in the US or other countries. 

  1. We will comply with the EU Standard Contractual Clauses with respect to the transfer of Personal Data from the EU to the US for processing. If there is any conflict between the terms and conditions in this Privacy Policy and your rights under the EU Standard Contractual Clauses, the terms and conditions in the EU Standard Contractual Clauses will govern. For the purposes of this Privacy Policy, “EU Standard Contractual Clauses” mean the standard contractual clauses for the transfer of personal data to processors established in the US. (Commission Decision 2010/87/EC).
  • Obligations of the data importer (processors)

The data importer agrees and warrants:

  1. to process the personal data only on behalf of the data exporter and in compliance with its instructions and the clauses; if it cannot provide such compliance for whatever reasons, it agrees to inform promptly the data exporter of its inability to comply, in which case the data exporter is entitled to suspend the transfer of data and/or terminate the contract;
  2. that it has no reason to believe that the legislation applicable to it prevents it from fulfilling the instructions received from the data exporter and its obligations under the contract and that in the event of a change in this legislation which is likely to have a substantial adverse effect on the warranties and obligations provided by the clauses, it will promptly notify the change to the data exporter as soon as it is aware, in which case the data exporter is entitled to suspend the transfer of data and/or terminate the contract;
  3. that it has implemented the technical and organizational security measures before processing the personal data transferred;
  4. that it will promptly notify the data exporter about:
  • any legally binding request for disclosure of the personal data by a law enforcement authority unless otherwise prohibited, such as a prohibition under criminal law to preserve the confidentiality of a law enforcement investigation,
  • any accidental or unauthorized access, and
  • any request received directly from the data subjects without responding to that request, unless it has been otherwise authorized to do so;
  1. to deal promptly and properly with all inquiries from the data exporter relating to its processing of the personal data subject to the transfer and to abide by the advice of the supervisory authority with regard to the processing of the data transferred;
  2. at the request of the data exporter to submit its data processing facilities for audit of the processing activities covered by the clauses which shall be carried out by the data exporter or an inspection body composed of independent members and in possession of the required professional qualifications bound by a duty of confidentiality, selected by the data exporter, where applicable, in agreement with the supervisory authority;
  3. to make available to the data subject upon request a copy of the clauses, or any existing contract for sub-processing, unless the clauses or contract contain commercial information, in which case it may remove such commercial information, with the exception of Appendix 2 which shall be replaced by a summary description of the security measures in those cases where the data subject is unable to obtain a copy from the data exporter;
  4. that, in the event of sub-processing, it has previously informed the data exporter and obtained its prior written consent;
  • Obligations of the data exporter

The data exporter agrees and warrants:

  1. that the processing, including the transfer itself, of the personal data has been and will continue to be carried out in accordance with the relevant provisions of the applicable data protection law (and, where applicable, has been notified to the relevant authorities of the Member State where the data exporter is established) and does not violate the relevant provisions of that State;
  2. that it has instructed and throughout the duration of the personal data processing services will instruct the data importer to process the personal data transferred only on the data exporter’s behalf and in accordance with the applicable data protection law and the clauses;
  3. that the data importer will provide sufficient guarantees in respect of the technical and organizational security measures;
  4. that after assessment of the requirements of the applicable data protection law, the security measures are appropriate to protect personal data against accidental or unlawful destruction or accidental loss, alteration, unauthorized disclosure or access, in particular where the processing involves the transmission of data over a network, and against all other unlawful forms of processing, and that these measures ensure a level of security appropriate to the risks presented by the processing and the nature of the data to be protected having regard to the state of the art and the cost of their implementation;
  5. that it will ensure compliance with the security measures;
  6. that, if the transfer involves special categories of data, the data subject has been informed or will be informed before, or as soon as possible after, the transfer that its data could be transmitted to a third country not providing adequate protection within the meaning of Directive 95/46/EC;
  7. to make available to the data subjects upon request a copy of the Clauses, with a summary description of the security measures, as well as a copy of any contract for sub-processing services which has to be made in accordance with the clauses, unless the clauses or the contract contain commercial information, in which case it may remove such commercial information; and 
  8. that, in the event of sub-processing, the processing activity is carried out in at least the same level of protection for the personal data and the rights of the data subject as the data importer under the Clauses.
  • Liability
  1. The parties agree that any data subject, who has suffered damage as a result of any breach of the obligations referred above by any party or sub-processor is entitled to receive compensation from the data exporter for the damage suffered.
  2. If a data subject is not able to bring a claim for compensation in accordance with paragraph a against the data exporter, arising out of a breach by the data importer or his sub-processor of any of their obligations referred to above, because the data exporter has factually disappeared or ceased to exist in law or has become insolvent, the data importer agrees that the data subject may issue a claim against the data importer as if it were the data exporter, unless any successor entity has assumed the entire legal obligations of the data exporter by contract or by operation of law, in which case the data subject can enforce its rights against such entity.
  3. If you are a resident of or a visitor to Europe, you have certain rights with respect to the processing of your Personal Data, (referred here as Personal Information), as defined in the GDPR.
  4. Please note that in some circumstances, we may not be able to fully comply with your request, or we may ask you to provide us with additional information in connection with your request, which may be Personal Information, for example, if we need to verify your identity or the nature of your request. 
  5. In such situations, however, we will still respond to let you know of our decision. As used herein, “Personal Information” means any information that identifies you as an individual, such as name, address, email address, IP address, phone number, business address, business title, business email address, company, etc. 


To make any of the following requests, please contact us (i) via email at , or (ii) by writing to us at Global PayEx, 38 Tower Drive, Darien, Connecticut 06820.

  1. Access: You can request more information about the Personal Information we hold about you. You can also request a copy of the Personal Information.
  2. Rectification: If you believe that any Personal Information we are holding about you is incorrect or incomplete, you can request that we correct or supplement such data. Please contact us as soon as possible upon noticing any such inaccuracy or incompleteness.
  3. Objection: You can contact us to let us know that you object to the collection or use of your Personal Information for certain purposes.
  4. Erasure: You can request that we erase some or all of your Personal Information from our systems.
  5. Restriction of Processing: You can ask us to restrict further processing of your Personal Information.
  6. Portability: You have the right to ask for a copy of your Personal Information in a machine-readable format. You can also request that we transmit the data to another entity where technically feasible.
  7. Withdrawal of Consent: If we are processing your Personal Information based on your consent (as indicated at the time of collection of such data), you have the right to withdraw your consent at any time. Please note, however, that if you exercise this right, it may limit your ability to use some/ all of our Services or Platform and you may have to then provide express consent on a case-by-case basis for the use or disclosure of certain of your Personal Information, if such use or disclosure is necessary to enable you to utilize some or all of our Services and Platform.
  8. Right to File Complaint: You have the right to lodge a complaint about our practices with respect to your Personal Information with the supervisory authority of your country or EU Member State. Please go to to locate your Data Protection Authority.
  9. Response. We will respond to your inquiry within thirty (30) days of the receipt. 

This Section supplements the information contained in our Privacy Policy above and applies solely to all visitors, users, and others to our Website, App, or Platform, who reside in Canada (“consumers” or “you”). We ensure with the Personal Information Protection and Electronics Document Act of 2000 (“PIPEDA”) and any terms defined in the PIPEDA have the same meaning when used in this Section. 

  1. Definition of Personal Information.  Any information about an identifiable individual. Whatever may be the physical form or characteristics of a particular regime for “business contact information” (name, position, title, address, professional phone number, etc.) 
  2. Right to Access Personal Information.  You can request to access your personal information we hold about you. We will first confirm whether you have requested such information, explain how we have used your information, provide a list of names with whom your information has been shared and provide a copy of your information in an accessible format and make alternative formats available if requested. 
  3. Right to Correction/Limited Right to Deletion.  You can request us to correct or delete your information IF you demonstrate that the personal information we hold on you is inaccurate. We will delete or correct your information within thirty (30) calendar days. When we delete/correct your personal information we will inform the third parties with whom we have shared your information. 
  4. Right to be Forgotten.  Your information will be kept with us for as long as it is required for the fulfillment of the purposes of Global PayEx Platform. Unless we otherwise give you notice, we will retain your information on the Global PayEx Platform on your behalf until such times as you or we terminate your User Account.
  5. Data Breach Notification.  We will send a notification to you as soon as feasible regarding the information of any breach that creates a “real risk of significant harm” to you. We keep a record of every data breach and, on request, provide the Office of the Privacy Commissioner with access to the record. 
  6. Two Factor Authentication. You may enable two-factor authentication on your account to help ensure that only you can access your account. If you do, in addition to entering your password to log in to your account to access the Global PayEx Platform, we will send a code to your mobile number, which you will need to enter. This added security prevents anyone else from accessing your Global PayEx account unless they have access to your login information.

Global PayEx does not sell, trade, or otherwise transfer to outside third parties your “Personal Information” as the term is defined under the California Civil Code Section § 1798.82(h).  Additionally, California Civil Code Section § 1798.83 permits Users of our Website, App, or Platform that are California residents to request certain information regarding our disclosure of their Personal Information to third parties for their direct marketing purposes. To make a request for such disclosure, or identification and/or deletion of Personal Information in all our systems that we store on you, please send an email to or write us at Global PayEx, 38 Tower Drive, Darien, Connecticut 06820.

Note that (i) if we delete your Personal Information as requested, we will no longer be able to provide our services to you and (ii) we may need to keep such Personal Information for a while during the shutting down and billing process. If you would like to discuss our Personal Information storage and processing process with us, please send us an email at or write us at Global PayEx,  38 Tower Drive, Darien, Connecticut 06820.


The Children’s Online Privacy Protection Act (“COPPA”) is a federal legislation that applies to entities that collect and store “Personal Information,” as the term is defined under COPPA, from children under the age of 13. We are committed to ensure compliance with COPPA. Our Website, App, and Platform are not meant for use by children under the age of 13. Our Website, App, and Platform do not target children under the age of 13, but we do not age-screen or otherwise prevent the collection, use, and personal disclosure of persons identified as under 13. If you would like to know more about our practices and specifically our practices in relation to COPPA compliance, please email us at .


  • CAN-SPAM ACT OF 2003

The CAN-SPAM Act establishes requirements for commercial messages, gives recipients the right to have businesses stop emailing them, and spells out penalties for violations.  Per the CAN-SPAM Act, we will:

  1. not use false or misleading subjects or email addresses; 
  2. identify the email message as an advertisement in some reasonable way; include the physical address of Global PayEx, which is 38 Tower Drive, Darien, CT 06820 .
  3. monitor third-party email marketing services for compliance, if one is used;
  4. honor opt-out/unsubscribe requests quickly; and
  5. give an “opt-out” or “unsubscribe” option.    

If you wish to opt out of email marketing, follow the instructions at the bottom of each email or contact us at and we will promptly remove you from all future marketing correspondences.


Global PayEx reserves the right, at its sole discretion, to change or modify this Privacy Policy at any time. In the event we modify this Privacy Policy, such modifications shall be binding on you only upon your acceptance of the modified Privacy Policy. We will inform you about the modifications on our Privacy Policy page via email, on our Website, App, or Platform by posting a modified version of the Privacy Policy page, or by a comparable means within a reasonable time period.  Your continued use of our Website, App, or Platform shall constitute your consent to such changes.


Global PayEx uses the following third-party service providers for the provision of services as detailed under the Terms of Use or Terms of Service, as applicable

Name of Third-Party Service Provider

Contact Information

Amazon Web Services Inc. (North Virginia, US) 


Address: 410 Terry Avenue North, Seattle, WA 98109-5210

Stripe, Inc. 


Address: 510 Townsend St, San Francisco, CA 94103

Google Cloud


Telephone: (855) 817-0841

Microsoft Azure  


Address: 1 Microsoft Way, Redmond, WA 98052-6399



Address: 2211 North First Street San Jose, CA 95131


Additionally, if you have any questions or concerns about our third-party service providers, please email us at


If you believe that any content on our Website, App, or Platform violates your copyright, and you wish to have the allegedly infringing material removed, the following information in the form of a written notification (pursuant to the Digital Millennium Copyright Act of 1998 (“DMCA Takedown Notice”)) must be provided to our designated Copyright Agent. 

  1. Your physical or electronic signature;
  2. Identification of the copyrighted work(s) that you claim to have been infringed;
  3. Identification of the material on our Website, App, or Platform that you claim is infringing and that you request us to remove;
  4. Sufficient information to permit us to locate such material;
  5. Your address, telephone number, and email address;
  6. A statement that you have a good faith belief that use of the objectionable material is not authorized by the copyright owner, its agent, or under the law; and
  7. A statement that the information in the notification is accurate, and under penalty of perjury, that you are either the owner of the copyright that has allegedly been infringed or that you are authorized to act on behalf of the copyright owner.

Global PayEx’s Copyright Agent to receive DMCA Takedown Notices is Joseph Manu, at with a carbon copy to and at Global PayEx, Attn: DMCA Notice, 38 Tower Drive, Darien, Connecticut 06820. You acknowledge that for us to be authorized to take down any content, your DMCA Takedown Notice must comply with all the requirements of this Section. Please note that, pursuant to 17 U.S.C. § 512(f), any misrepresentation of material fact (falsities) in a written notification automatically subjects the complaining party to liability for any damages, costs and attorney’s fees incurred by Global PayEx in connection with the written notification and allegation of copyright infringement. 


To ask questions or comment about this Privacy Policy and our privacy practices, contact us at:

  • Privacy Officer
  • Email:

Address: Global PayEx, 38 Tower Drive, Darien, Connecticut 06820.


J.P. Morgan

J.P. Morgan Corporate & Investment Bank

J.P. Morgan’s Corporate & Investment Bank is a global leader across banking, markets and investor services. The world’s most important corporations, governments and institutions entrust us with their business in more than 100 countries. With $24 trillion of assets under custody and $444 billion in deposits, the Corporate & Investment Bank provides strategic advice, raises capital, manages risk and extends liquidity in markets around the world.

Jaideep Khanna

Jaideep Khanna

Jaideep Khanna is the founder of Ananta Family Office managing investments across listed and private markets with a focus on technology, sustainability, and real estate. Prior to Ananta, Jaideep was a partner and co-founder of Artha Capital Management, an emerging market fund based in Connecticut. He co-founded the firm in May 2002 and served as president, portfolio manager, and director. Prior to starting Artha, Jaideep was an executive director and managed pools of funds at Morgan Stanley Asset Management in New York and London. He is a founder and remains a trustee of Ashoka University, New Delhi and previously served on the International Advisory Board, Center for Advanced Study of India at the University of Pennsylvania.

Pranav Shirke

Pranav Shirke

VP of Product and Alliances

Pranav is the VP of Product and Alliances at B2B fintech Global PayEX that focusses on improving working capital efficiency in order-to-cash & procure-to-pay cycle. 

Pranav comes with over 15 years of experience in consulting, product management, and systems engineering, across technology, transportation, and insurance sectors. 

He has previously worked at Infosys and Tata Consultancy Service, India’s most valuable IT companies. Pranav most recently worked at Tata AIA Life Insurance. 

Having co-founded two startups in the space of health and transportation, Pranav brings an entrepreneurial mindset to tech innovation. 

An alumnus of the prestigious Indian Institute of Management – Calcutta, Pranav has a Bachelors in Engineering from Veermata Jijabai Technological Institute.

Pranav is based in Mumbai, India.

Anu Agrawal

Executive Vice President & Head, North America

Anu Agrawal heads the North American business for Global PayEX and is responsible to establish & grow the North American market.

Being a tech entrepreneur with a successful exit, Anu has worked with tech start-ups and global giants and specializes in setting up new regions and taking them to scale. He has over 2 decades of global experience in working in leadership positions in banking, cards & payments, trading, hi-tech, and SaaS companies such as Hewlett Packard, Icertis (CloudMoyo), and MphasiS.

He holds an MBA degree and a bachelor’s degree in computer science.

David Cowles

David is an advisor at Global PayEX, where he brings his years of applied AI experience to our products and services. Additionally, he is also the Senior Vice President at Afiniti, which is the world’s leading applied AI and advanced analytics provider. His leadership has led the Afiniti team to customer success by providing a more personalized customer experience and in creating a path for long-term customer value bridging strategy.

David is a seasoned management consultant with over 12 years of focused experience in the domains of analytics, digital commerce, social media, big data, and financial management. Previously, he has held important portfolios such as, Board Advisor and Investor at Veravas,Inc., where he was instrumental in developing technology that would measure the potential of low abundance biomarkers, needed to better diagnose and treat rare and common diseases. Besides, David has served as the Chief Operations Officer at CogWellin-BIO Tech Venture Company; as the Chief Digital Officer at MAXIMUS, and Managing Director at PwC and Accenture, where his management consulting prowess has helped sway influence across multiple industry groups including communications, healthcare, financial, consumer goods, manufacturing, and entertainment. He graduated with Bachelors of Science in Industrial Engineering from Syracuse University and went on to lead the technical team at JPMorgan Chase & Co., enabling them to build and support several trading applications.

Michael Kwesi Essandoh

Head of DevSecOps at Global PayEX

Michael Essandoh is an expert in software systems design, development, testing, and maintenance with an excellent proven track record of developing applications and solutions.

He joined the Global PayEX team in 2022 to lead the DevSecOps team, ensuring excellence in cloud infrastructure, using the latest DevOps practices, and ensuring we’re compliant to industry standards.

Before joining Global PayEX, Michael worked in leading technology organizations across Ghana and the USA. He provided strategic support as Head of Technology at OMNI Strategies and took up responsibilities to ensure engineering excellence for data processing, quality assurance, data warehousing, analytics, and algorithms. In his career journey so far, Michael has collaborated with Mobiliti Inc. (Austin), Tactical Intelligence Security (Accra), Petra Trust (Accra), and VasSoft (Accra), among others.

Michael has played active roles for technology firms in strategizing DevOps implementations as well as architecting applications to help businesses scale their solutions and services.

Joseph Adjei Manu

VP – Technology at Global PayEX

Joseph Adjei Manu has over 12 years of experience in multiple industries, including enterprise software, energy trading, investment banking, manufacturing, pharmaceuticals, and revenue management.

He has been in the IT industry since 2005 and has worked for companies spanning North America, Asia, and Africa. Before joining Global PayEX, he worked with Tibco Software (California), Merck Pharmaceutical (New Jersey), Shell Americas (Texas), Armstrong Manufacturing (Pennsylvania), Bank of New York Mellon (New York), and Liquid Financial Service (Ghana).

Joseph has been a crucial factor in scaling and leading multiple high-performing technology organizations to attain various industry security and privacy compliance certifications.

He holds a Master’s Degree in Information Systems Management from Carnegie Mellon University and a Bachelor’s Degree in Computer Science from Hampton University.

Mohan Krishnan


Mohan Krishnan is a serial IT entrepreneur, with over 3 decades of global experience in Financial Information Technology.
He co-founded MphasiS, India’s 5th largest IT and BPO company with 37000 people and $1 Billion+ in revenues, which was acquired by EDS/HP in 2008. Mohan served as President and Global Head of the US $500 M Software Applications Business with 15,000 people. MphasiS acquired an impressive list of global banks and financial institutions as its customers across all major geographies.
He also served as EDS Vice President and led the CIO/CTO offices and Architecture community of MphasiS. His other ventures include Byzan Systems Pvt. Ltd., a 30 year old IT company focused on Financial Technologies and Services in India.
Mohan is an angel investor in multiple startups in technology, retail, education, legal outsourcing, energy and real estate. He has also served as the Chairman of the Investment Committee of Nabventures, an INR 7 billion venture fund set up by NABARD with an investment focus on agriculture and related development sectors.
Mohan holds a Master’s Degree in Science and an MBA from the Indian Institute of Management, Ahmedabad.

Anu Agrawal

Anu Agrawal

Executive Vice President & Head, North America

Anu Agrawal heads the North American business for Global PayEX and is responsible to establish & grow the North American market.

Being a tech entrepreneur with a successful exit, Anu has worked with tech start-ups and global giants and specializes in setting up new regions and taking them to scale. He has over 2 decades of global experience in working in leadership positions in banking, cards & payments, trading, hi-tech, and SaaS companies such as Hewlett Packard, Icertis (CloudMoyo), and MphasiS.

He holds an MBA degree and a bachelor’s degree in computer science.

Venkitesh Krishnan

Head of Sales - India

Venkitesh Krishnan (Venki) is the Head of Sales – India at Global PayEX.

He has close to 30 years of experience in Corporate Business Development, Team Building, & Leadership in IT Services, Mobility, Financial Services, and ED Tech.

He joined the Global PayEX leadership team in September 2019 and oversees brand promotions, product launches, and sales campaigns as part of our global expansion strategy.

Venki has rich experience and expertise working with prominent organizations in his prior roles. He spearheaded the India Business and took many large clients to global markets.

He was instrumental in driving the India Business for IVY Mobility, a leading global enterprise mobility player built on a SaaS revenue model. In the past eight years, Venki led business success for IVY in building client relationships with 35 plus large MNC and Indian CPG (FMCG) Giants with over 50,000 SaaS users.

Venki holds a post-graduate Diploma in Management and a post-graduate degree in commerce from the Institute of Management Development and Research (IMDR), Pune.

Efthymios Gkaitatzis

Vice President, Business Development & Partnerships

With extensive Sales and Business Development experience, primarily in FinTech/Financial Services and SaaS, Efthymios has led sales and relationship management teams of Fortune-500 corporations like AIG. In addition, he has built and grown early-stage startups to Forbes FinTech 50 status. Having worked for the past decade in the working capital optimization, AR/AP Automation and B2B Payments space, he has helped several companies across N. America and EMEA to automate manual processes and improve cash flow.
Efthymios holds a Master’s degree in International Business from the University of London and a Bachelor’s degree in Business Administration and Management.

Pratiksha Global PayEX Project Manager

Pratiksha Shetty

Product Manager

Pratiksha is a highly qualified and experienced professional with a Master’s in Information Management from the Jamnalal Bajaj Institute of Management Studies and over a decade of experience in the tech industry. She has a proven track record of success in various roles, including Manager of Operations at TaskMitra and Senior Performance Test Engineer at LnT Infotech. In her current position at Global PayEx, she is responsible for the development and launch of new products as well as the management of existing product performance. Pratiksha is a driven and passionate individual with a thirst for new challenges, consistently delivering exceptional results.

Sudipta Jash

Senior Vice President- International Growth and Partnerships at Global PayEX

Sudipta joined the Global PayEX leadership team in 2022, with the objective to grow the company globally.

He has over 20 years of experience in business development, product management, strategic, and operational leadership experience in technology led businesses, and has spearheaded international expansion for several marquee technology companies.

He previously served as the Head of International Business at PayU Payments, a global fintech leader offering innovative payment, credit, and investment solutions across more than 50 markets worldwide. At PayU, he provided amazing support to the global merchants of all sizes in expanding into emerging markets, including India.

Prior to joining PayU, he was based in the United States as a Management Consultant with Mphasis Inc. At Mphasis, he worked extensively with a wide range of clients, including JP Morgan, Citibank, Green Dot, Charles Schwab, and Wolters Kluwer. During his tenure with the firm, he held a variety of senior leadership roles in Asia and North America. He also had stints with Mphasis Europe in Brussels and Dublin.

He holds an MBA degree in Marketing and Finance.

Jonathan Amos-Asiedu

Head of Engineering

Jonathan Amos-Asiedu has 12+ years of experience in Architecting, Building and Delivering Software at Scale. Jonathan’s career spans multiple domains including Biometrics, Healthcare & Health Informatics, Data Analytics & Cataloguing, E-commerce, and Financial Inclusion. He has worked with institutions across Africa, Europe, and USA. He has previously worked with GenKey BV in the Netherlands as a Senior Engineer & Architecture Lead, Andela Inc. in the USA as a Team Lead, and at Alation Inc. in the USA as a Senior Engineer, Architecture Lead and Team Lead.

Jonathan holds a Bachelor of Science in Computer Science from the prestigious Ashesi University in Ghana. He is also an Oracle Certified Professional for Java Enterprise Edition 5. He is based in Ghana, West Africa.

Sundar Raman

Lead Client Success

Sundar Raman Subramaniam is the Lead Client Success at Global PayEX. Sundar is a Business Leader with a focus on driving customer relationships in the AR and AP automation space.
In 2021, Sundar became part of the leadership team, bringing three decades of global service delivery experience in Information Technology, Telecom, Business Process Outsourcing, and Manufacturing Industries.

Over the years, he has actively provided support to lead and grow human resource functionalities. He assists Global PayEX in expanding its talent portfolio with the right mix of candidates in various roles, including Business Development and Product Management, to transform clients’ businesses.

Sundar also serves in Sales, Marketing, Operations, Client Relationships, Corporate Services, and Leadership Development to lead sales strategies and client solutions with an emphasis on driving growth for AI and ML-powered collection solutions at Global PayEX.

Sundar holds an MBA from the Indian Institute of Management Ahmedabad, preceded by Graduate Degree from the Indian Institute of Technology, Madras.

Efthymios Gkaitatzis

Vice President, Business Development & Partnerships

With extensive Sales and Business Development experience, primarily in FinTech/Financial Services and SaaS, Efthymios has led sales and relationship management teams of Fortune-500 corporations like AIG. In addition, he has built and grown early-stage startups to Forbes FinTech 50 status. Having worked for the past decade in the working capital optimization, AR/AP Automation and B2B Payments space, he has helped several companies across N. America and EMEA to automate manual processes and improve cash flow.
Efthymios holds a Master’s degree in International Business from the University of London and a Bachelor’s degree in Business Administration and Management.

Jeroen Tas

Jeroen Tas

Jeroen Tas is currently the Chief Innovation & Strategy Officer at Philips Healthcare. Tas is also a member of the Executive Committee at Royal Philips. Prior to that Tas served as the CEO of Philips health Informatics Solutions and Services and previously the Group CIO of Philips. He has also been the head of Citicorp’s Transaction technologies and worked for Digital Equipment and Philips Electronics in international marketing and project management positions in the USA, Europe and Asia. He has won the NASSCOM Global CIO of the year 2014, E&Y Entrepreneur of the year, 2004, and the Dutch CIO of the year in 2013. Jeroen has been named the Innovator of the Year by Philips in 2015 and is also a co-founder of MphasiS. He holds an MBA from the Free University of Amsterdam.

Investor - Jaithirth (Jerry) Rao

Jaithirth (Jerry) Rao

Jerry is currently Chairman of Value Budget Housing Development Corporate of India Pvt. Ltd. He held several positions in Citicorp in Asia, Europe, South America, and North America. He co-founded MphasiS, India’s 5th largest IT company, which was acquired by EDS/HP in 2008. MphasiS clients included JPMorgan Chase, Citibank, Deutsche Bank, Charles Schwab, TD Bank, FedEx, and HP. He has been Chairman of NASSCOM and E&Y Entrepreneur of the Year, 2004.

He is an alumnus of Loyola College Chennai, IIM Ahmedabad and the University of Chicago. He is also Entrepreneur-in-Residence at Harvard Business School and teaches at IIM, Ahmedabad and IIT Mumbai.

Peter Radcliffe

Peter Radcliffe

Peter has held senior executive positions in four FTSE 100 and Fortune 250 banking/payment and technology companies and has served as a main board director of both UK and US FinTech publicly quoted companies. A FinTech investor who has been involved with entrepreneurship at London Business School [LBS] for over 20 years, having been President of Enterprise 100 LBS for 3 years. Has been Chairman/Director of technology/payments companies in UK, US, Brussels, Turkey, India, Hong Kong and Indonesia having wide experience in M & A. He is currently President of P20, the Industry body dedicated to making payments accessible, affordable and secure for all, through collaborative change.

Alok Misra

Alok Misra is the Chief Operating Officer of General Atlantic’s India office and an Operating Partner. In this role, he provides strategic support and financial expertise to the firm’s investment teams and portfolio companies with a
focus on the India & Asia-Pacific region. Before joining General Atlantic in 2013, Alok served as Group Chief Financial Officer at WNS Group, where he helped lead the company through significant expansion and transformation. Prior to that, he was Group Chief Financial Officer of MphasiS BFL Group (now part of the HewlettPackard Company) and served in a number of accounting and finance roles at other firms, including I.T.C. Limited and PwC. Alok is a Fellow Member of the Institute of Chartered Accountants of India.

Head of Product- Sourabh Palit

Sourabh Palit

Head of Product

Sourabh Palit has over 26 years of experience in Banking and Technology. His banking experience spans Product, Technology, Operations, and Sales in some of the premier private sector and MNC banks in India. He started his career in banking with HDFC Bank and his last stint was with ICICI Bank. He has also worked as Global Head of Product – Transaction Banking for a large Indian Technology company.

Sourabh is a graduate of Delhi University with specializations in Mathematics and Economics.

CFO- Rupesh Nambiar

Rupesh Nambiar


Rupesh Nambiar has held finance leadership roles in companies across industries – from the launch stage to IPO. His experience includes business strategy, planning, controllership, setting up processes and metrics, accounting, analytics, M&A, taxation, fundraising from Private Equity/HNIs, IPO in NYSE and LSE, Debt funding, risk management, financial reporting, corporate governance, and investor relations.

He is a Chartered Accountant from the Institute of Chartered Accountants of India.

COO- Stuart Jackson

Stuart Jackson


Stuart Jackson comes with a wealth of leadership role experiences from various financial institutions in the UK, Europe, the Middle East and Asia. Having worked for large corporates including Barclays as a Regional Director in Business Banking and DLL (Rabo Bank) in Asset Finance, he also brings valuable experiences from entrepreneurial endeavors.

Originally from Scotland, Stuart holds an honors degree in Chemistry from Aberdeen University.

CTO - Abhilash Edakadampil

Abhilash Edakadampil


Abhilash Edakadampil comes with 15+ years of technology + entrepreneurship experience. He served as the CEO of Byzan Systems Pvt Ltd., a 28-year BFSI services organization that serves leading Indian and global banks. He has also worked with MIT Media Labs (Boston), Deloitte US (Mclean, Virginia), Amtrak (Washington DC). He has architected multiple turnkey BFSI products including Financial Messaging Systems that handle more than 100M+ transactions/ day.

He is a computer engineer with a Master’s degree from Carnegie Mellon University.

CRO - Narayan Ramamoorthy

Narayan Ramamoorthy


Naru specializes in growing P&Ls leveraging technology, process, operations, and market needs. He brings over 2 decades of experience in scaling businesses across most continents (US, UK/ Europe, India/ Asia/ GCC, Africa and Australia). He has held leadership roles in industries ranging from payments, banking & financial services and retail in Wipro, Tesco, Finablr, Thomson Reuters, and MphasiS.

He holds an MBA degree from the Indian Institute of Management, Calcutta and a Computer Science engineering degree from VJTI, Mumbai.

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