10 October 2025
BharatPe launches BharatPeX, the online PAPG with an X-factor: AI-guided, in-app UPI first, and implementation-led
BharatPe, India’s leading fintech company, today unveiled BharatPeX, its new PAPG-online brand that brings an ‘X-factor’ to how enterprises run payments. It combines a modern online payment gateway (Cards, Net Banking, UPI) with an implementation-first model that helps clients ship in-app UPI experiences faster, keep customer data within their own apps, and materially
With technology and artificial intelligence at its core, the service comes bundled with BharatPeX.AI, which empowers enterprises with expertise on tap. The AI assistant provides clients with 24/7, consistent guidance on features, eligibility, and go-live steps across BharatPeX, NPCI, and partner banks. It also provides journey prototypes (e.g., UPI Autopay, UPI Circle, UPI International) and can generate sample code that teams can reuse.
Sandeep Indurkar, CEO – Payments, BharatPe,said, “Most enterprises want world-class payment systems but are wary of compliance, bank coordination, and long development cycles. With BharatPeX, we remove that friction. We don’t stop at an API—we deploy a specialist team and an AI-driven virtual assistant so our clients can enable UPI Plug-in or even scale to becoming TPAP-enabled—owning the user journey, the data, and the outcomes, which in turn lets them offer a seamless collections service and payment experience to their customers.” The company has already begun onboarding e-commerce, fintech, and enterprise clients in phases.
Designed to power growth at scale, BharatPeX combines collections, payouts, and enterprise-grade support into a single, secure platform, simplifying payments while multiplying impact. It promises outcome-oriented enablement, higher success rates, reduced go-to-market time, and data ownership for the merchant.
What makes BharatPeX different:
- Payments expertise, not just a gateway:A dedicated (Product/Tech/Relationship) squad partners with each client to design, integrate, and scale collections and payouts. The team navigates NPCI processes and partner banks, simplifying onboarding and cutting implementation effort to roughly one-third of typical cycles.
- In-app UPI at the core:While UPI already drives a large share of ecommerce transactions, most merchants still have to divert users to third party apps, losing visibility and control. BharatPeX helps clients run in-app UPI flows (via UPI Plug-in or TPAP), boosting success rates and ensuring customer data stays with the client.
- Built for eCommerce, fintech, and enterprises:From checkout orchestration to complex payout needs, BharatPeX is designed for scale and governed by a compliance-first approach aligned to applicable RBI/NPCI guidelines.
With BharatPeX, BharatPe positions itself as the go-to partner for enterprises navigating the fast-evolving digital economy, reinforcing India’s place at the global forefront of payments innovation.
BharatPe is the only fintech company in India with an NBFC license (Trillion Loans), a stake in a Small Finance Bank (Unity SFB), and an Online Payment Aggregator license.
Why should merchants adopt BharatPeX?Command the user experience:
About BharatPeX:
- Keep users in-app;reduce drop-offs and dependency on third-party apps
- Own the data: Maintain visibility on key customer markers to drive retention and LTV
- Ship faster:Cut integration effort to ~1/3rd with guided implementation and sample code
- Scale confidently:A single partner to handle tech, bank coordination, and compliance nuances
- Go beyond payments:Identify revenue opportunities tied to better payment experiences and customer delight
BharatPeX is BharatPe’s online PAPG brand, purpose-built to bring the X-factor to enterprise payments by combining a full-stack gateway with hands-on implementation and AI-assisted expertise.
About BharatPe:
BharatPe (brand name of Resilient Innovations Pvt Ltd) was founded in 2018 to make financial inclusion a reality for Indian merchants. In 2018, it launched India’s first UPI interoperable QR code, the first zero MDR payment acceptance service. In 2020, post-Covid, BharatPe also launched a card acceptance terminal – BharatPe Swipe. Currently, with a registered network of over 1.7 crores merchants across 450+ cities, the company is one of the leading players in UPI offline transactions, processing 450 million+ UPI transactions per month. BharatPe processes payments of a monthly Transaction Processed Value of ₹12,000 crores. BharatPe Money (brand name of Resilient Digi Services Private Limited), a BharatPe Group Company, has already facilitated the disbursement of loans of over US$ 2 billion, in partnership with NBFCs. BharatPe’s POS business processes payments of over ₹27,000 crores annually on its 125,000+ machines.
BharatPe launches BharatPeX, the online PAPG with an X-factor: AI-guided, in-app UPI first, and implementation-led
BharatPe, India’s leading fintech company, today unveiled BharatPeX, its new PAPG-online brand that brings an ‘X-factor’ to how enterprises run payments. It combines a modern online payment gateway (Cards, Net Banking, UPI) with an implementation-first model that helps clients ship in-app UPI experiences faster, keep customer data within their own apps, and materially
Sandeep Indurkar, CEO – Payments, BharatPe,said, “Most enterprises want world-class payment systems but are wary of compliance, bank coordination, and long development cycles. With BharatPeX, we remove that friction. We don’t stop at an API—we deploy a specialist team and an AI-driven virtual assistant so our clients can enable UPI Plug-in or even scale to becoming TPAP-enabled—owning the user journey, the data, and the outcomes, which in turn lets them offer a seamless collections service and payment experience to their customers.” The company has already begun onboarding e-commerce, fintech, and enterprise clients in phases.
Designed to power growth at scale, BharatPeX combines collections, payouts, and enterprise-grade support into a single, secure platform, simplifying payments while multiplying impact. It promises outcome-oriented enablement, higher success rates, reduced go-to-market time, and data ownership for the merchant.
What makes BharatPeX different:
- Payments expertise, not just a gateway:A dedicated (Product/Tech/Relationship) squad partners with each client to design, integrate, and scale collections and payouts. The team navigates NPCI processes and partner banks, simplifying onboarding and cutting implementation effort to roughly one-third of typical cycles.
- In-app UPI at the core:While UPI already drives a large share of ecommerce transactions, most merchants still have to divert users to third party apps, losing visibility and control. BharatPeX helps clients run in-app UPI flows (via UPI Plug-in or TPAP), boosting success rates and ensuring customer data stays with the client.
- Built for eCommerce, fintech, and enterprises:From checkout orchestration to complex payout needs, BharatPeX is designed for scale and governed by a compliance-first approach aligned to applicable RBI/NPCI guidelines.
With BharatPeX, BharatPe positions itself as the go-to partner for enterprises navigating the fast-evolving digital economy, reinforcing India’s place at the global forefront of payments innovation.
BharatPe is the only fintech company in India with an NBFC license (Trillion Loans), a stake in a Small Finance Bank (Unity SFB), and an Online Payment Aggregator license.
Why should merchants adopt BharatPeX?Command the user experience:
About BharatPeX:
- Keep users in-app;reduce drop-offs and dependency on third-party apps
- Own the data: Maintain visibility on key customer markers to drive retention and LTV
- Ship faster:Cut integration effort to ~1/3rd with guided implementation and sample code
- Scale confidently:A single partner to handle tech, bank coordination, and compliance nuances
- Go beyond payments:Identify revenue opportunities tied to better payment experiences and customer delight
BharatPeX is BharatPe’s online PAPG brand, purpose-built to bring the X-factor to enterprise payments by combining a full-stack gateway with hands-on implementation and AI-assisted expertise.
About BharatPe:
BharatPe (brand name of Resilient Innovations Pvt Ltd) was founded in 2018 to make financial inclusion a reality for Indian merchants. In 2018, it launched India’s first UPI interoperable QR code, the first zero MDR payment acceptance service. In 2020, post-Covid, BharatPe also launched a card acceptance terminal – BharatPe Swipe. Currently, with a registered network of over 1.7 crores merchants across 450+ cities, the company is one of the leading players in UPI offline transactions, processing 450 million+ UPI transactions per month. BharatPe processes payments of a monthly Transaction Processed Value of ₹12,000 crores. BharatPe Money (brand name of Resilient Digi Services Private Limited), a BharatPe Group Company, has already facilitated the disbursement of loans of over US$ 2 billion, in partnership with NBFCs. BharatPe’s POS business processes payments of over ₹27,000 crores annually on its 125,000+ machines.
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