Legal & Terms of Use

Who operates this site

The Payments Trace is an independent online publication operated by Vishwanath Callikan, an individual based in England, United Kingdom. It is not a company or a separate legal entity, and the name is used as a publishing brand only. You can reach the operator at complaints@thepaymentstrace.com or through the contact form. A service address is available on written request.

Using this content

The site is provided for personal, non-commercial reading. Brief extracts of any article may be quoted with clear attribution to Vishwanath Callikan and The Payments Trace and a link to the original; republishing an article in full, or reproducing a substantial part of one, requires prior written permission. Automated scraping or bulk reproduction of the site’s content is not permitted. Third-party names, logos and trade marks that appear here remain the property of their respective owners, and are used for identification and editorial discussion only.

No advice

Content on this site is general editorial information and industry analysis. It is not personalised investment, financial, legal, tax or other professional advice, and it is not a substitute for advice addressing your particular circumstances. Nothing published here is a recommendation, offer or solicitation to buy, sell, hold or otherwise transact in any security.

Advisory services

Any consulting, speaking or advisory engagement is agreed separately and in writing. Nothing on this site is an offer capable of acceptance, and no engagement exists until its terms have been agreed in writing.

Accuracy and liability

Reasonable care goes into the research and writing on this site, and the Editorial and Corrections Policy sets out how errors are handled. The content is nonetheless provided as is, without any warranty that it is complete, accurate or current. To the fullest extent permitted by law, the operator accepts no liability for loss or damage arising from reliance on anything published here. Nothing in these terms excludes or limits any liability that cannot lawfully be excluded or limited.

Independence of this site

This site is created and maintained independently, in a personal capacity, outside the author’s employment duties and without the use of employer resources or non-public information. Its content is not attributable to any employer, client or affiliated organisation, past or present.

Third-party links

Articles link to external sources, including rulebooks, regulatory publications and press coverage. Those sites are outside the operator’s control, and linking to them does not endorse their content or make the operator responsible for it.

Governing law

These terms, and any dispute arising out of or in connection with them or with the use of this site, are governed by the laws of England and Wales, and the courts of England and Wales have exclusive jurisdiction.

Last updated: 31 July 2026