yup I understand your reluctance my friend. Too many scams and too easy to find out to late. I've been in business with this group of investors for over a year so I don't share that apprehension, rather I see a large target market of eager people ready for a solution!
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Fair enough but I've been doing tech startups, investing in startups and building tech communities in India for 10+ years and know a great deal about payments systems (or lack thereof) and this project doesn't have anyone credible behind it. Hence, caveat emptor. Not for me.
I'll hit you back up once it's pumping for a second look pj