BharatPe Unveils BharatPe Flex at Global Fintech Fest 2026, Bringing Credit into Everyday UPI Payments

Mumbai, September 10, 2026: BharatPe, one of India’s leading fintech companies, today unveiled BharatPe Flex, its consumer credit proposition built around Credit Line on UPI, at the Global Fintech Fest 2026.

The company also launched a new brand campaign featuring BharatPe Brand Ambassador and Cricket Legend Rohit Sharma, showcasing the convergence of two increasingly relevant financial behaviours: UPI payments and digital credit.

About BharatPe Flex

• Built on NPCI’s Credit Line on UPI infrastructure.
• Provides eligible users with a pre-sanctioned monthly credit line of up to ₹60,000, based on their credit profile.
• Credit can be used for online and offline UPI merchant payments.
• Settlement options:
  • Pay in full within 45 days.
  • Flexible EMIs ranging from 3 to 12 months.
• Offers fixed rewards on eligible daily spends.
• Provides visibility and control over credit usage via the BharatPe UPI app.

The proposition is designed around a simple, familiar experience:

• No physical card.
• No separate app.
• No change in how consumers make UPI payments.

Credit becomes part of the existing payment journey, rather than a separate financial product.

Nalin Negi, CEO, BharatPe: “BharatPe Flex brings the convenience of UPI and the flexibility of credit into one seamless payment experience. We see a significant opportunity to make formal credit more accessible to consumers, with a strong focus on responsible usage and sustainable growth.”

Bringing UPI and Credit Together
The new brand campaign is built on a simple insight:

• UPI and credit have traditionally been separate financial experiences.
• Both are increasingly relevant to everyday spending.

The campaign positions them as a natural pairing:

• UPI provides the familiar payment experience.
• Credit provides additional flexibility when needed.

The campaign film illustrates how UPI and credit can work together to make everyday payments more flexible, moving beyond the traditional card-led model.

About BharatPe
Founded in 2018, BharatPe (Resilient Innovations Pvt Ltd) is a fintech company committed to financial inclusion for Indian merchants.

• Launched India’s first UPI interoperable QR code and zero MDR payment acceptance service.
• Introduced BharatPe Swipe card acceptance terminal in 2020.
• Registered network of 1.7 crore+ merchants across 450+ cities.
• Processes 450 million+ UPI transactions per month with a monthly TPV of ₹12,000 crores.
• BharatPe Money has facilitated loans worth US$ 2 billion in partnership with NBFCs.
• POS business processes payments of ₹27,000 crores annually across 125,000+ machines.

🌐 Learn more: www.bharatpe.com