Amit Chhabra

Chief Architect for Payments @ Arrive

About

Recognized domain expert in payment solutions, point-of-sale technologies (EMV, NFC, PED management) and transaction processing systems. Extensive experience with global payment processors, Visa, MasterCard, Discover, American Express and Debit networks. Digital Payment Solutions Leader with demonstrated success delivering first-to-market solutions. My special skills are developing product vision, leading product and technology teams to deliver platform offerings impacting Tier 1 to SMB merchants. Successes at ACI WORLDWIDE (ACIW) and TRANSEND INTEGRATED TECHNOLOGIES, INC. include: ✅ PAYMENTS LEADERSHIP (ACIW): Led diverse teams across 4,000+ person organization to specify, design, implement, market, and deliver innovative payment solutions for QR codes, value-added services, and Apple / Google wallet pass technologies. ✅ MERCHANT SEGMENT P&L & REVENUES (ACIW): Owned Merchant Segment P&L for revenues of $150M on transaction volume of $80B annually. Grew Tier 1/Tier 2 revenues 7% year-over-year (YoY). ✅ TIER 1 / TIER 2 CUSTOMERS (ACIW): Initiated/led new product development improving end customer experience driving revenues for customers including Dominos, Staples, Wendys, Belk, Hy-Vee, Tractor Supply, others in USA and Decathlon, Boots, Auchan, Co-op, IKEA, others in EU. ✅ TIER 1 / TIER 2 NEGOTIATIONS / CLIENT RETENTION (ACIW): Managed client senior leadership expectations and led negotiations with Tier 1 / Tier 2 clients for contract renewals. Achieved 100% client retention with average 20% contract uplift. ✅ MAJOR MANUFACTURERS & ACQUIRER PROCESSORS (TranSend): Clients included: - PED Manufacturers: Verifone, Ingenico, PAX, Castles, ID Tech, XAC, UIC, others - Processors: Fiserv, TSYS/Global Payments, FIS/Vantiv/WorldPay, Chase, Global Blue, others. ✅ REVCHIP / LEADING SMARTPED SOLUTION (TranSend): Created 3rd-party centrally controlled alternative payment app usable on all major manufacturers’ devices enabling configuration by any merchant. RevChip was first Quick Chip implementation and became leading SmartPED solution. ✅ ESTATE CONTROL - UNIVERSAL TERMINAL MANAGEMENT SYSTEM (TMS) (TranSend): Most widely used Universal TMS streamlining and automating fielded PED updates, used globally. ✅ PAYMENT INDUSTRY RECOGNITION: - Recipient of Payment Innovation Council 2022 “Payment Innovation of the Year“ - Founded market-disruptive company TranSend Integrated Technologies, Inc. Negotiated acquisition by ACIW, 2019.

Country

United States

City

Mt. Laurel

Industry

Financial Services

Skill

Technology Leadership, Technology Management, Electronic Payments, Mobile Payments, Payment Systems, Payment Card Processing, Payment Gateways, Payments, Credit Cards, POS, Debit Cards, PCI DSS, Payment Industry, NFC, E-payments, E-commerce, EMV, Smart Cards, Vendor Management, Product Marketing

Experience

Chief Architect for Payments

Arrive

2025-7 - Present · 1 yr 3 mos

Philadel

Chief Product Officer

CHARGE Anywhere

2024-6 - 2025-6 · 1 yr 1 mo

New York City Metropolitan Area

Strategic Adivsor

CHARGE Anywhere

2024-1 - 2024-6 · 6 mos

Greater New York Area

Head of Payment Solutions

Mauja Systems

2023-9 - 2024-4 · 8 mos

Greater Philadelphia Area

Leader in Biometrics Pay by Palm Solutions.

Global Head of Merchant Product Solutions

ACI Worldwide

2019-10 - 2023-8 · 3 yrs 11 mos

United States

Drove delivery of 3 major Merchant Division product innovation projects annually. Led 7 direct reports in concept development and guided/oversaw efforts of up to 50 matrixed technology reports to launch new/enhanced products. Identified market trends, envisioned new products, and partnered with Tier 1/Tier 2 clients to define new products. Reported to EVP Product Management. C-SUITE TEAM: Met with Chief Product Officer, CTO, and Directors of technology and delivery services areas regularly to review/discuss current and proposed products. Updated executives on programs/projects. PRODUCT INNOVATION STRATEGY & ROADMAPS: Set annual vision and partnered with team to develop strategies and goals for product innovation. Led development of business cases with plans, requirements, timelines, and expected ROI. INNOVATION CHAMPION: Articulated payment opportunities to expand markets. Key leader in moving company from new-products-through-acquisition strategy to organic development of new products. PARTNERSHIPS: Defined partnership opportunities and strategies and executed executive-level partnership engagements with Card brands, POS manufacturers, and Acquiring processors. CUSTOMER ENGAGEMENT / TRUSTED ADVISOR: Formed trusted advisor relationships with Tier 1 / Tier 2 client EVPs and SVPs of Payments. Regularly discussed, co-developed, and oversaw delivery of client proofs of concept and production solutions. TIER 1 CLIENT SOLUTIONS: Led development of Tier 1 solutions, including QR Code payments w/Digital Interactive Receipts, Dynamic Loyalty Passes for Apple/Google Wallet, Smart Engage (brand affinity mobile app engagement), and others. FUNCTION REBUILD: Restructured team and created methodology embedding innovation in product development strategy. PRODUCT INNOVATION ROADMAPS: Developed product-specific roadmaps and requirements. PED PARTNERSHIPS: Negotiated partnerships with: Verifone, Ingenico, PAX, IDTech, Castles, NextGen

Principal Technologist, Founder & President

Transend Integrated Technologies, Inc.

2003-7 - 2019-10 · 16 yrs 4 mos

Greater Philadelphia Area

Founded payments industry company to innovate technology solutions for independent sales organizations (ISOs). Led 20 reports across Research, Design, Business Development, and Technology teams to sell, design, develop, and integrate solutions. Managed account relationships and directed solution delivery and business development. FIRST MARKET DISRUPTIVE SmartPED SOLUTION (Cybersecurity): Introduced smart PIN Entry Device (SmartPED solution) dramatically reducing cardholder data environment footprint– first market disruptive product in SmartPED revolution. CLIENT ENGAGEMENT: Developed rapport with PED manufacturers and acquirer processor executives and key personnel in product development, certification, and sales areas. FULL STACK PRODUCT DEVELOPMENT & MAINTENANCE: Initiated/oversaw product conception, development, certification, market launch, and maintenance. Provided full-stack payment application software enabling Gemalto, Sagem, and Castles to enter USA market. EMV / NFC MIGRATION: Architected PED products for Canadian and US EMV/NFC migrations; oversaw product implementation. POS APPLICATIONS & TERMINAL MANAGEMENT SYSTEMS (TMS): Led technical design, development, and integration processes/strategies for PED Payment applications & Terminal Management Systems (TMS).

Chief Technology Officer

Lipman USA Inc

2001 - 2003 · 2 yrs

New York City Metropolitan Area

Led all Technical Operations, including PED application development for market leading payment applications, QA, and Certifications Teams. Worked closely with HQs team in Israel.