Launch · Financial Services

BharatPe launches Flex credit on UPI with YES BANK

What they do

BharatPe offers a digital credit line accessible through UPI payments for users

The new service allows interest-free repayment within 45 days or EMI conversion

YES BANK powers the product enabling quick approvals and rewards on eligible spends

BharatPe launched BharatPe Flex, a credit-on-UPI service powered by YES BANK.
Eligible users can access a credit line directly via UPI payments.
The product features an interest-free repayment period of up to 45 days.
Users can repay the full amount within the billing cycle or convert spends into EMIs.
The service supports QR code payments, online transactions, bill payments, and recharges.
Onboarding is a digital process with approvals available within three minutes.
In-app tools track expenses, limits, and repayments while offering rewards on eligible payments.
A brand campaign titled "Pay now. Settle later." highlights the payment solutions.

The launch combines UPI familiarity with credit flexibility for consumers.
YES BANK partners to power the underlying credit infrastructure for the product.
This expands BharatPe's utility beyond simple merchant acquiring to consumer lending.

BharatPe facilitates over Rs. 1700 + Billion in total payment volume.
The company has partnerships with 17 + Million merchants across India.
Its presence spans 450 + cities throughout the country.
It has facilitated Rs. 14600 + Crores in business loans.
Products include BharatPe UPI, One device, Swipe, Speaker, and Investment Platform.
Services cover UPI TPAP, credit card bills, utility payments, and personal loans.
Personal loans are available up to ₹15 lacs for eligible customers.
The Zillion Invest platform allows users to manage investments alongside payments.
Rohit Sharma serves as the brand ambassador for the 'Super Over' initiative.

Product: Merchant-focused payments and financial services platform, including payment aggregation and lending-related products.
Customers: Merchants and small businesses that use its payments and financial services tools.
How it makes money: Earns from financial services and merchant transaction-linked offerings, including payments infrastructure and lending-related services.
What sets it apart: Strong merchant distribution and a broad payments stack built for small businesses.
Operations: Operates through a merchant network and also has a stake in Unity Small Finance Bank.