BharatPe
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.
Index entry only — little beyond a description and a link, and nothing machine-readable enough for an agent to act on without a human reading the site first.
API Evangelist profiles BharatPe the way a machine reads it — 24 machine-readable artifacts, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.
Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — BharatPe scores 14.8/100 (minimal), with a separate agent-readiness read of 0/100 (human only). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.
Kin Score
This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance.
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
How we profile BharatPe
Each block below is one kind of artifact we hold for BharatPe. For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.
Features 9
The notable capabilities this provider advertises, captured as structured features so they can be searched and compared instead of read one landing page at a time.
Notable capabilities this provider offers.
Single Interoperable UPI QR
One BharatPe QR that accepts payments from every UPI-enabled consumer app, free of MDR for merchants.
BharatPe Speaker
Audio device that announces UPI transaction amounts in real time so merchants can confirm payment without checking the phone.
BharatSwipe Card Acceptance
Mobile and countertop POS devices for accepting domestic and international credit and debit cards.
BharatPe One All-in-One POS
Integrated POS device combining UPI QR, card swipe, speaker, and billing in a single Android-based device.
Merchant Business Loans
Collateral-free working-capital loans for merchants originated through partner NBFCs, underwritten on UPI transaction data.
PostPe Buy Now Pay Later
Consumer BNPL credit line usable across BharatPe-accepting merchants and as a co-branded Unity Bank credit card.
InvestBharatPe / 12% Club Investments
Consumer investment platform offering fixed-income products through RBI-regulated partner NBFCs.
Co-Branded Credit Card
BharatPe co-branded credit card issued in partnership with Unity Small Finance Bank.
Bill Payments
BBPS-rail utility, recharge, and bill payment flows surfaced inside the BharatPe merchant app.
Scroll within the panel for all 9 ·
Security Posture 1
Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Use Cases 6
What developers actually build with this provider — captured so the catalogue answers 'what is this for', not just 'what does this expose'.
What developers build with this provider.
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.
Integrations 5
Pre-built integrations with other platforms tell you where this provider already fits in a stack.
Pre-built integrations with other platforms and tools.
Unity Small Finance Bank
Resilient Innovations (BharatPe) is a co-promoter of Unity Small Finance Bank, which issues the co-branded credit card and powers PostPe.
NPCI UPI
BharatPe is a UPI third-party application provider operating on the NPCI Unified Payments Interface rails.
BBPS
BharatPe bill payments are powered by the Bharat Bill Payment System operated by NPCI.
Partner NBFCs
Lending products are originated through a network of RBI-registered NBFC partners listed on the BharatPe site.
Card Networks
BharatSwipe POS devices accept Visa, Mastercard, RuPay, and American Express card transactions.
Solutions 3
Packaged solutions the provider offers on top of the raw API surface.
Packaged solutions this provider offers.
BharatPe Merchant
The merchant-facing UPI QR, speaker, swipe, POS, lending, and bill payments stack delivered through the BharatPe app.
PostPe Consumer
The consumer-facing buy-now-pay-later and credit-card app, including repayment flows powered by Unity Bank.
BharatPe Enterprise
A sales-led offering for large merchants, chains, and partners surfaced at enterprise.bharatpe.in.
Resources
Every other property we hold for BharatPe — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.
Build 1
SDKs, sample code, and the tooling you integrate with
Access & Security 1
Authentication, authorization, and security posture
Operate 1
Status, limits, changes, and where to get help
Commercial 3
Pricing, plans, and the legal terms of use
Company 9
The organization behind the API
Scroll within the panel for all 9 ·
Other 21
Properties that don't map to a standard resource type
Scroll within the panel for all 21 ·
← All providers · Data indexed from github.com/api-evangelist/bharatpe · machine-readable index on apis.io