Launch · Financial Services

BharatPe launches AI tools and credit products

By Startup Enthusiast · 9 September 2026

What they do

BharatPe provides payment processing devices, business loans, and financial management tools to over 17 million merchant partners across India

The fintech firm introduced an agentic artificial intelligence assistant, a credit guidance tool, and a UPI credit line at a fintech event

The new releases rely on generative AI systems and NPCI credit rails to assist merchants and expand consumer borrowing options

BharatPe rolled out BharatPe Agentic AI, an assistant inside its merchant app built using Google Cloud technology.
The virtual assistant links with more than 60 live systems to resolve complaints, handle chargebacks, and suggest relevant financial products.
The company launched Credit Coach, an educational feature using an AI avatar of cricketer Rohit Sharma to display credit profiles.
BharatPe introduced BharatPe Flex, a borrowing option built on the NPCI Credit Line on UPI network.
Qualifying customers receive a spending limit reaching ₹60,000 monthly that works across internet and retail UPI checkouts.
The firm also debuted the My Shop My Ad tool, enabling shopkeepers to create marketing videos with an AI avatar.

The company presented the new offerings at the Global Fintech Fest 2026 in September.
The automated tools handle merchant support inquiries round the clock and explain credit health directly to business owners.
The consumer credit product allows customers to pay balances within 45 days or split them across installment plans.

BharatPe operates products including BharatPe One, BharatPe Swipe, BharatPe Speaker, and merchant loan offerings.
The business has distributed over ₹14600 Crores in business credit across India.
It serves more than 17 Million retail partners across 450+ cities.
The platform has processed more than ₹1700 Billion in total payment volume.
BharatPe launched the first zero MDR (fee charged to merchants for processing digital transactions) payment acceptance service in 2018.

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.