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 position: Provider access: 3rd-Party image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg tags: - 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: '0.20' 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