Payments & E-commerce Advisory

Your checkout
is losing money.
We find it.

Angira Ventures helps e-commerce brands recover lost revenue by fixing checkout flows, payment failures, and subscription billing — using methods built at Amazon scale.

$95M+
Bad debt reduced
200+
Global markets
& currencies
16 yrs
Payments &
commerce leadership
Schedule a conversation ↗ See what we do →
Built on 16 years of operating at scale
Amazon Payments
Global Payments Lead
$95M+ bad debt recovered
Prime Video
Subscription Tech Lead
200+ markets & currencies
Gogo
Sr. Manager, Product
$420M P&L · 80K daily transactions
Delta · United · JetBlue
Commerce & Loyalty
Checkout, loyalty & ancillary revenue
The problem we solve

Most e-commerce brands are
leaving 8–15% on the table

It almost never shows on your dashboard. The losses hide in failed payments, checkout drop-off, and leaky renewal logic — invisible until someone who has seen these patterns at Amazon scale comes in to look.

I

Payment failures you can't explain

Soft declines, expired cards, and misconfigured retry logic are silently costing you thousands of transactions a month — without triggering any obvious alert.

II

Checkout drop-off you haven't diagnosed

Customers reach payment and vanish. The cause is rarely price — it's friction: wrong payment methods, missing trust signals, or flows not designed for how your customers actually pay.

III

Subscribers churning involuntarily

Involuntary churn — subscribers who wanted to stay but couldn't because of a failed renewal — is the most expensive and most fixable leak in any subscription business.

IV

International revenue left untouched

Expanding globally without localizing payment methods, currencies, and compliance means significant cross-border revenue flows to competitors who built for it first.

What we do

Three ways to work
with Angira Ventures

01

Checkout & Payments Audit

A 2–3 week engagement covering your checkout UX, payment method coverage, tokenization, failure rate data, and conversion benchmarks against industry standards. Deliverable: prioritized action plan with estimated revenue impact per finding.

Fixed fee · 2–3 weeks
02

Subscription & Billing Health Review

Deep review of renewal flows, retry and dunning logic, proration handling, and involuntary churn — benchmarked against systems built at Amazon across 200+ global markets. Deliverable: written audit and phased implementation roadmap.

Fixed fee · 2–4 weeks
03

Fractional Head of Payments

An ongoing monthly retainer where Nikhil serves as your senior payments expert — PSP selection and negotiations, compliance oversight (PCI DSS, PSD2), payment method strategy, and product roadmap ownership. Direct access, not a junior account manager.

Monthly retainer · 3-month minimum

Advisory board seats also available — for early-stage e-commerce and fintech companies seeking ongoing strategic guidance on payments architecture, PSP relationships, and checkout optimization. Structured as a cash retainer plus equity. Inquire via the contact form below.

About

Nikhil Goverdhan, Founder

Nikhil Goverdhan, Founder of Angira Ventures
MBA · University of Cincinnati
B.Eng. Electronics · Nagpur University
AWS Certified Cloud Practitioner
IDEO · Foundations in Design Thinking
Greater Seattle, WA · Available remotely

I spent 16 years building payment and commerce systems at two of the most operationally complex companies in the world. At Amazon and Prime Video, I led global payments strategy across 200+ markets and currencies — directing ML-driven risk models that reduced bad debt by $95M+, rebuilding the wallet architecture for the Amazon merchant ecosystem, and pioneering agentic voice commerce on Alexa.

At Gogo, I owned the P&L for a $420M commercial airline business — optimizing checkout for 80,000+ daily transactions at 30,000 feet, integrating Apple Pay, PayPal, and Alipay globally, and building the PaaS platform that generated $70M–$100M in new partner revenue with Delta, T-Mobile, and Google.

Angira Ventures exists because most e-commerce brands don't have access to that level of payments expertise. I work with a small number of clients at a time — which means you work directly with me, not a project manager.

$95M+
Bad debt reduced via ML risk models
$420M
P&L ownership at Gogo
200+
Global markets & currencies managed
16 yrs
Payments & commerce product leadership
How it works

From first conversation
to measurable results

I

Discovery call

30 minutes to understand your challenge and whether there's a genuine fit. No pitch, no pressure — an honest conversation about where your checkout is leaking and why.

II

Scoped proposal

A written proposal with a defined scope, timeline, and fixed fee or retainer structure. You know exactly what you're getting before committing to anything.

III

Focused engagement

We work through the agreed scope with direct access to Nikhil throughout. No handoffs, no junior analysts doing the actual diagnostic work.

IV

Clear deliverables

Every engagement ends with written output — audit, roadmap, or implementation guide — your team can act on immediately, with or without ongoing support.

Get in touch

Let's talk about
your checkout.

If you're losing revenue at checkout, struggling with subscription churn, or expanding into new payment markets — send a message. Nikhil responds personally to every inquiry within one business day.

✉
in
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Location
Greater Seattle, WA · Engagements worldwide

Responses within one business day · All inquiries are confidential

Your message is on its way.

Nikhil will respond personally within one business day.