platoseedplatoseed
Enable Buy-Now-Pay-Later in a White-Labelled Manner
BharatX was recently acquired by Flipkart, the largest startup in India, to enable Buy Now Pay Later in their own ecosystem as well as bolster their own FinTech play via Super.money. It powers Checkout Financing in their ecosystem currently on Millions of Users. BharatX enabled "Pay in 3" and "Pay in X" parts as a feature on over 1000+ brands, 300+ directly and the rest via Payment Gateway partners. Our product enabled Buy Now Pay Later, in a white-labelled way. For e.g. Flipkart PayLater on Flipkart. We grew 47X to $2.5M ARR in under 6 quarters straight after fumbling for 2 years around PMF and Credit Risk & Fraud. We started out as a platform to provide access to Credit in Developing countries without relying on traditional documentation processes by Banks, which did not give access to hundreds of millions.Over the course of BharatX, we have credit to hundreds of thousands of consumers, including many New to Credit (NTC) users.
BharatX offers a white-labeled BNPL solution that enables brands to offer Pay Later options (3/6/12 installments, or postpaid) via Shopify plugins and APIs. The service emphasizes easy integration, high approval rates, zero credit risk for merchants, and a fully white-labeled experience to boost retention and average order value.
Provides BNPL functionality that merchants can integrate through a Shopify plugin or APIs. Features include T+1 settlements, instant integration with major payment gateways, zero credit risk to merchants, a white-labeled PayLater branded experience, and support for multiple payment formats (Pay in 3, Pay in X, Postpaid, and single monthly bills). The platform targets D2C brands and apps, with configurable installment options and perceived high approval rates. Sign-up uses a simple OTP flow with no uploads, and the solution can be embedded across ecommerce and app environments through direct APIs or Shopify integration.
Who it’s for: Consumer brands and platforms (D2Cs, fashion, electronics, home goods, healthcare/education, groceries/ride-hailing/food delivery) seeking a white-labeled BNPL option to boost orders and retention.
In-market product with multiple brand integrations referenced; active pricing page and marketing claims (e.g., 550+ consumer brands, high approval rate), and emphasis on quick integration and white-label deployment.
Started BharatX @ 19 enabling 500+ Millions of Indians to access Credit without any Credit Score, Documentation or paying high interests (in majority cases it was Zero APR). Scaled 47X from $50K to $2.5M ARR in under 18 months, with less than 15 people, becoming cashflow +ve, disbursing $100K+ daily. Got Killed by Regulations in an hour, Sold the Tech & Biz to Flipkart - India's largest Startup, powering their Checkout Financing Stack & their Fintech Arm's BNPL biz. Building again.
1. LoL 2. Anime 3. Development That's how I would describe myself. The ordering may or may not be important :D
A good listener… always up for quick ideation or discussion over coffee ☕️
Making private healthcare in India accessible and affordable
We let customers "Buy Now Pay Later" on any store in Europe.
