BharatPe

aid: bharatpe
name: BharatPe
description: BharatPe is a New Delhi-based fintech company founded in 2018 by Ashneer Grover and Shashvat Nakrani that provides
  digital payments and financial services to Indian small and medium businesses. Its merchant stack centers on a single interoperable
  UPI QR for payment acceptance across all UPI apps, augmented by BharatPe Speaker for voice transaction confirmations, BharatSwipe
  POS card machines for offline acceptance, BharatPe One (all-in-one POS), bill payments, and a co-branded credit card. On
  the financing side, BharatPe originates business loans for merchants through partner NBFCs, runs the InvestBharatPe / 12%
  Club investment platform, operates the PostPe buy-now-pay-later product, and is a co-promoter of Unity Small Finance Bank.
  The company reports more than ten million merchant partners across 450+ Indian cities and turned profitable in FY24 with
  roughly INR 1,700 crore in revenue. BharatPe is owned by Resilient Innovations Private Limited; it does not publish a public
  developer API, SDK, sandbox, or OpenAPI surface — its merchant and consumer products are delivered through native Android/iOS
  apps and an enterprise sales channel for partners.
type: Index
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
position: Producing
access: 3rd-Party
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/bharatpe.png
tags:
- Payments
- UPI
- QR Payments
- Merchant Payments
- Point-of-Sale
- SMB
- Fintech
- Lending
- Buy Now Pay Later
- Credit Card
- Investments
- Small Finance Bank
- India
tags_raw:
- Payments
- UPI
- QR Payments
- Merchant Payments
- Point Of Sale
- SMB
- Fintech
- Lending
- Buy Now Pay Later
- Credit Card
- Investments
- Small Finance Bank
- India
url: https://raw.githubusercontent.com/api-evangelist/bharatpe/refs/heads/main/apis.yml
created: '2026-05-24'
modified: '2026-05-24'
specificationVersion: '0.23'
apis: []
common:
- type: DomainSecurity
  url: security/bharatpe-domain-security.yml
- type: Website
  url: https://bharatpe.com
- type: About
  url: https://bharatpe.com/about/
- type: BharatPeQR
  url: https://bharatpe.com/bharatpe-qr/
- type: BharatPeUPI
  url: https://bharatpe.com/bharatpe-upi/
- type: BharatPeSpeaker
  url: https://bharatpe.com/bharatpe-speaker/
- type: BharatSwipe
  url: https://bharatpe.com/bharatswipe/
- type: BharatPeOne
  url: https://bharatpe.com/bharatpe-one/
- type: BharatPeBillPayments
  url: https://bharatpe.com/bharatpe-bill-payments/
- type: BharatPeCommerce
  url: https://bharatpe.com/bharatpe-commerce/
- type: CoBrandedCreditCard
  url: https://bharatpe.com/co-branded-credit-card/
- type: PostPe
  url: https://bharatpe.com/pay-later-with-bharatpe/
- type: PersonalLoan
  url: https://bharatpe.com/personal-loan/
- type: InvestBharatPe
  url: https://bharatpe.com/investbharatpe/
- type: InvestmentPlatform
  url: https://bharatpe.com/investment-platform/
- type: LendingPartners
  url: https://bharatpe.com/our-lending-partners/
- type: Enterprise
  url: https://enterprise.bharatpe.in/
- type: Engineering
  url: https://tech.bharatpe.com/
- type: Blog
  url: https://bharatpe.com/blogs/
- type: Press
  url: https://bharatpe.com/press/
- type: Events
  url: https://bharatpe.com/events/
- type: CorporateGovernance
  url: https://bharatpe.com/corporate-governance/
- type: Careers
  url: https://bharatpe.com/career/
- type: Contact
  url: https://bharatpe.com/contact/
- type: TermsOfService
  url: https://bharatpe.com/terms-and-conditions-list/
- type: PrivacyPolicy
  url: https://bharatpe.com/privacy-policy/
- type: ConsumerPrivacyPolicy
  url: https://bharatpe.com/consumer-platform-privacy-policy/
- type: GrievanceRedressal
  url: https://bharatpe.com/grievance-redressal-policy/
- type: ConsumerGrievanceRedressal
  url: https://bharatpe.com/consumer-grievance-redressal/
- type: AndroidApp
  url: https://bharatpe.onelink.me/vDNZ/f1gaaf0l
- type: PostPeApp
  url: https://postpe.onelink.me/CHvc/n8j7ogsj
- type: UnitySmallFinanceBank
  url: https://theunitybank.com
- type: GitHubOrganization
  url: https://github.com/bharatpe
- type: Twitter
  url: https://twitter.com/bharatpeindia
- type: Facebook
  url: https://www.facebook.com/BharatPeIndia/
- type: LinkedIn
  url: https://www.linkedin.com/company/bharatpe/
- type: Features
  data:
  - name: Single Interoperable UPI QR
    description: One BharatPe QR that accepts payments from every UPI-enabled consumer app, free of MDR for merchants.
  - name: BharatPe Speaker
    description: Audio device that announces UPI transaction amounts in real time so merchants can confirm payment without
      checking the phone.
  - name: BharatSwipe Card Acceptance
    description: Mobile and countertop POS devices for accepting domestic and international credit and debit cards.
  - name: BharatPe One All-in-One POS
    description: Integrated POS device combining UPI QR, card swipe, speaker, and billing in a single Android-based device.
  - name: Merchant Business Loans
    description: Collateral-free working-capital loans for merchants originated through partner NBFCs, underwritten on UPI
      transaction data.
  - name: PostPe Buy Now Pay Later
    description: Consumer BNPL credit line usable across BharatPe-accepting merchants and as a co-branded Unity Bank credit
      card.
  - name: InvestBharatPe / 12% Club Investments
    description: Consumer investment platform offering fixed-income products through RBI-regulated partner NBFCs.
  - name: Co-Branded Credit Card
    description: BharatPe co-branded credit card issued in partnership with Unity Small Finance Bank.
  - name: Bill Payments
    description: BBPS-rail utility, recharge, and bill payment flows surfaced inside the BharatPe merchant app.
- type: UseCases
  data:
  - name: Kirana And Grocery Acceptance
    description: Neighborhood kirana stores and grocers accept UPI payments from any customer app with a single QR sticker.
  - name: Voice-Confirmed Counter Payments
    description: High-volume small-ticket counters confirm each UPI receipt via audio without staff checking the phone screen.
  - name: Card Acceptance For Offline Retail
    description: Salons, restaurants, and retail outlets accept credit and debit card swipes alongside UPI through BharatSwipe.
  - name: Working-Capital Lending For SMBs
    description: Small merchants borrow short-term business loans underwritten on their UPI transaction history with BharatPe.
  - name: Consumer Credit At Checkout
    description: Customers tap PostPe at participating BharatPe merchants to split or defer payment via a Unity Bank-issued
      credit line.
  - name: Retail Investments For India's Mass Market
    description: Indian retail consumers deploy savings into fixed-income products via the InvestBharatPe / 12% Club platform.
- type: Integrations
  data:
  - name: Unity Small Finance Bank
    description: Resilient Innovations (BharatPe) is a co-promoter of Unity Small Finance Bank, which issues the co-branded
      credit card and powers PostPe.
  - name: NPCI UPI
    description: BharatPe is a UPI third-party application provider operating on the NPCI Unified Payments Interface rails.
  - name: BBPS
    description: BharatPe bill payments are powered by the Bharat Bill Payment System operated by NPCI.
  - name: Partner NBFCs
    description: Lending products are originated through a network of RBI-registered NBFC partners listed on the BharatPe
      site.
  - name: Card Networks
    description: BharatSwipe POS devices accept Visa, Mastercard, RuPay, and American Express card transactions.
- type: Solutions
  data:
  - name: BharatPe Merchant
    description: The merchant-facing UPI QR, speaker, swipe, POS, lending, and bill payments stack delivered through the BharatPe
      app.
  - name: PostPe Consumer
    description: The consumer-facing buy-now-pay-later and credit-card app, including repayment flows powered by Unity Bank.
  - name: BharatPe Enterprise
    description: A sales-led offering for large merchants, chains, and partners surfaced at enterprise.bharatpe.in.
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com