PaymentIQ’s Kaivalya Paluskar tells the Payment Expert Podcast the cashier is the most expensive point at which an iGaming operator can lose a player, and that Cashier Plus lets payments teams change it without developer involvement.
Kaivalya Paluskar, Head of Product at PaymentIQ, told the Payment Expert Podcast the cashier is “the final screen where you have paid for everything else and got nothing back yet.”
An operator has paid for acquisition through affiliates and marketing, registration, verification including KYC checks for first-time depositors, bonus and partner campaigns, and platform costs by the time a player reaches the deposit page, he said. A player who leaves at that point returns nothing on that spend.
PaymentIQ launched Cashier Plus on 8 September 2026, giving payments teams direct control of the cashier’s design, testing and performance data.
Changes to an in-house cashier require a development team to estimate the work, which takes weeks to months depending on complexity, Paluskar said. Payments teams rarely have developers dedicated to the cashier, so they must also convince the wider business to prioritise each change.
PaymentIQ interviewed more than 15 operators before building Cashier Plus, he said. Operators wanted to change logos and fonts, and to reorder steps so that payment method selection or a bonus appears before the deposit amount.
Paluskar said falling conversion and slow internal teams are one problem, which he described as “a loop, not a list”. Operators cannot see what happens inside the cashier, which he called “a black box,” so teams test fixes based on “gut feeling” rather than data, he said.
Some operators asked PaymentIQ to decide cashier settings for them, such as whether preset deposit amounts should appear as a slider or as boxes. Paluskar said he chose instead to “empower them to make the decisions themselves” by letting them change those settings quickly.
PaymentIQ: builder, preview and data
Cashier Plus has three parts. Builder lets payments staff without technical skills create separate cashier experiences by market and player type, such as VIPs and first-time depositors (FTDs), using server-side rules.
Preview renders the cashier at runtime against player personas and payment method rules, so teams see what a given player will see before launch. Paluskar said payments teams had repeatedly raised the lack of this view.
Data shows where players drop out through what Paluskar called a “leak diagram”. It also records sessions for specific failure types, with input fields masked, so teams can see where players hesitated or became frustrated and change messaging or ordering. In one example PaymentIQ published, 33,800 players opened their cashier and 12,900 completed a deposit.
An operator was unable to identify why first-time deposits were failing until session recordings showed the failures were limited to 3D Secure transactions in one market, Paluskar said. Some operators had not noticed such failures at all, he said.
Payments teams can also push changes, such as a message that a payment provider is down, to production with one click, Paluskar said.
PaymentIQ describes the approach as “no ticket, no release, no discussion”. Developers still set up and integrate the cashier, which Paluskar described as a one-time effort. The line came from an operator who described raising a ticket, waiting for prioritisation and deployment, then discussing results, he said.
Teams now use data to show whether a change worked, which removes the discussion, according to Paluskar.
PaymentIQ plans to use AI to personalise the cashier over the next 12 to 18 months, Paluskar said. A player whose last three deposits averaged around 60 would see preset amounts close to that figure.
PaymentIQ also plans to change payment method display dynamically by market and time of day. Paluskar said he initially declined operator requests for PaymentIQ to make such decisions, and has since added them to his roadmap.
Paluskar previously spoke to Payment Expert for its Settled Up series.
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