BharatX
White-labelled embedded credit and Pay-in-3 APIs for consumer apps in India
- Category
- Fintech & Payments
- Founded
- 2019
- Best for
- CAs advising D2C/e-commerce or fintech clients evaluating embedded consumer credit options
- Platforms
- web
- Integrations
- Payment gateways, Consumer apps via API
Key features
- ✓White-labelled Buy Now, Pay Later
- ✓Pay in 3 / Pay in X installments
- ✓Embedded credit line APIs
- ✓Try and Buy and Postpaid journeys
- ✓API integration for any consumer-facing app
Pricing
| Plan | Price | Includes |
|---|---|---|
| Custom | Custom Pricing | API-based embedded credit, Contact vendor for pricing |
BharatX is an embedded-finance startup founded in 2019 and backed by Y Combinator, 8i Ventures, Multiply Ventures, and Soma Capital after a $4.5M seed round. It provides APIs that let any consumer-facing app or website in India offer credit to its users, enabling white-labelled journeys such as Buy Now Pay Later, Pay in 3, credit lines, Try and Buy, and Postpaid. Its Pay in 3 / Pay in X feature has been deployed across 1,000+ brands, both directly and via payment gateway partners. In February 2025, BharatX was acquired by super.money to expand UPI-based credit offerings.
In an Indian CA context, BharatX is not a practice tool but credit infrastructure; it is most relevant to advisors working with D2C, e-commerce, or fintech clients who are evaluating how to embed consumer credit into their checkout. It is India-focused by design. Pricing is not publicly listed and is arranged per integration, so it is treated here as a subscription/contract arrangement requiring direct contact.
FAQ
- What does BharatX do?
- BharatX provides APIs that let consumer-facing apps and websites in India offer white-labelled credit products like Buy Now Pay Later, Pay in 3, and credit lines.
- Is BharatX an accounting tool?
- No. It is an embedded-finance/credit infrastructure provider, relevant to CAs advising clients on consumer credit offerings rather than for bookkeeping.
- What happened to BharatX?
- BharatX was acquired by super.money in February 2025, with its team collaborating to expand UPI-based credit offerings.