Growth Lever for 350+ Consumer Brands

Approval Rate
(Among Highest in the Industry)
0 %+
Documentation Flow
No Documentation Needed
Customised Credit
thats a better fit for your product
0 %


T+1 Settlements

Get the payments upfront on T+1, No waiting for 2,3,7 or any other amount of CRAZY days.

Instant Integration with major Payment Gateways

D2Cs can easily integrate within shopify using our Simple Plugin.
Apps & Custom Websites can also integrate directly via easy APIs.

Zero Credit Risk to you!

We take the full Credit-Risk, you do not need to worry about Defaults or Delinquencies. Plus, our Sign-up Journey is a Single OTP & No uploads!

White Labelled, Boost Retention

Leverage the power of Sticky Credit, by changing the BharatX PayLater name to "Your_Brand" PayLater and boost Retention.

Here's some successful stores who benefit from our affordability products

Design your own credit
product (DYOC)

If you think you did not find what you were looking for, build a Credit
product using our No-Code Platform while we power the Risk & Capital!

People who believe in us 🙂

Your customers will love Credit-as-a-Feature. Look at
what some of our Existing Clients experience!

Concerned About Team Bandwidth?

Integrate in just 2 hours!