# BharatPe

**Canonical:** https://apis.io/providers/bharatpe/  
**Website:** https://bharatpe.com  
**APIs profiled:** 0

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.

## Kin Score — 1.9 / 100 (minimal)

Scored 2026-08-21 under rubric 0.12.0. Trend: flat (+0.0 from 1.9).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 2.6 |
| Developer Ergonomics | 0.0 |
| Commercial Clarity | 0.0 |
| Access Clarity | 0.0 |

Regulatory layer — **Payments**: 9.4 (matched via tags).

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Security (1)

- **Bharatpe Domain Security** — TLSv1.3 · HSTS · DMARC

## Use cases (6)

- **Kirana And Grocery Acceptance** — Neighborhood kirana stores and grocers accept UPI payments from any customer app with a single QR sticker.
- **Voice-Confirmed Counter Payments** — High-volume small-ticket counters confirm each UPI receipt via audio without staff checking the phone screen.
- **Card Acceptance For Offline Retail** — Salons, restaurants, and retail outlets accept credit and debit card swipes alongside UPI through BharatSwipe.
- **Working-Capital Lending For SMBs** — Small merchants borrow short-term business loans underwritten on their UPI transaction history with BharatPe.
- **Consumer Credit At Checkout** — Customers tap PostPe at participating BharatPe merchants to split or defer payment via a Unity Bank-issued credit line.
- **Retail Investments For India's Mass Market** — Indian retail consumers deploy savings into fixed-income products via the InvestBharatPe / 12% Club platform.

## Tags

Payments, UPI, QR Payments, Merchant Payments, Point-of-Sale, SMB, Fintech, Lending, Buy Now Pay Later, Credit Card, Investments, Small Finance Bank, India

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/bharatpe/). Scores are computed from the provider's own public artifacts under a published rubric.