BharatX

BharatX: BNPL and Checkout Financing Built For Conversion

As merchants work to reduce checkout friction and boost average order values, flexible payment options have become a must-have. BharatX is a credit-as-a-feature platform that lets you add Pay in 3, longer-tenure EMIs, and Postpaid options directly to your checkout, with white-label branding and fast integration. It positions itself as a BNPL gateway that works like a familiar payment method in your stack, while BharatX takes on the underwriting and credit risk behind the scenes.

What is BharatX

BharatX offers embedded credit at checkout so customers can complete purchases today and pay over time. The product suite centers on three core options:

• Pay in 3: Customers pay one third at checkout and the remaining two installments after 30 and 60 days, interest-free.

• Pay in X: Customers pay 25 percent upfront and spread the remainder over 3 to 18 EMIs, powered by real-time Account Aggregator checks for rapid approvals, including new-to-credit users.

• Postpaid: A monthly bill model that lets returning customers order with one click and pay a consolidated statement later.

The value proposition is straightforward: drive new orders and lift sales by offering affordability at the moment of decision. BharatX markets a quick setup and a high approval rate, with a pitch tailored to D2C brands and apps across categories like fashion, electronics, home and living, healthcare, education, ride-hailing, groceries, and food delivery.

Why BharatX appeals to merchants

T+1 settlements and zero credit risk

BharatX emphasizes next-day settlements so you receive funds promptly, while it absorbs the default and delinquency risk. That combination protects your cash flow and your downside while letting buyers spread payments.

White-label experience to grow retention

Unlike marketplace-style BNPL brands that pull customers away from your experience, BharatX can be branded as your own Pay Later option. The white-label approach is designed to build loyalty around your store rather than a third-party wallet.

Fast, low-lift integration

For storefronts, BharatX provides a Shopify integration and simple APIs. The company claims merchants can go live in about two hours, minimizing engineering bandwidth. For apps and custom sites, APIs plug into your existing checkout with standard payment-method semantics.

Product breakdown

Pay in 3

• How it works: The customer pays one third at checkout. The remaining two thirds auto-debit at 30 and 60 days with zero interest.

• Where it shines: Fashion and electronics, where affordability boosts conversion without discounting.

• Customer experience: Sign-up flow is OTP-based with no uploads to get started, reducing friction for first-time users.

Pay in X

• How it works: The buyer pays 25 percent upfront and chooses 3 to 18 monthly EMIs. Approvals use Account Aggregator data in real time, which helps include new-to-credit users.

• Where it shines: Higher-ticket categories such as home and living, healthcare, and education where longer tenure materially reduces perceived price.

Postpaid

• How it works: Customers place orders across the month and pay one consolidated bill later. This is built to reduce friction for repeat purchases in rides, food delivery, and grocery.

Try & Buy

• What it is: A checkout option that lets users receive goods, try them, and only then pay, which is useful for fit-sensitive verticals. BharatX positions this as another payment-method-like option with T+1 settlements and zero merchant risk.

Integration patterns

BharatX supports multiple paths to go live:

• Shopify: An onboarding flow and app-style integration for Indian stores. This reduces cart abandonment by presenting Pay in 3 at checkout.

• Payment-gateway style integration: BharatX’s developer docs describe a standard approach where a channel like a payment gateway integrates to offer Pay in 3, complete with API specs and webhook handling. Webhooks require 200–299 acknowledgements and include status payloads for transactions and refunds.

• Via orchestration partners: BharatX is available through Juspay’s HyperCheckout, with documented steps to configure a BharatX gateway account and credentials. That can simplify enabling BharatX alongside other methods in a single checkout.

For security, the docs remind implementers to keep API keys server-side, which aligns with best practice for any payment-grade integration.

Conclusion

BharatX gives Indian merchants a practical way to add checkout financing that looks and feels like a native payment method. With Pay in 3, longer EMIs through Pay in X, and Postpaid, you can match affordability to ticket size while keeping your cash position strong via T+1 settlements. The white-label approach helps your brand, not someone else’s, get the credit for a smoother experience. If you are running a Shopify storefront or a custom app stack, the integration paths are clear, and orchestration support is available.