Archive · 22 Dec 2025
BharatPe & YES BANK Launch UPI Credit
BharatPe and YES BANK have teamed up to launch a new service called 'Pay Later with BharatPe'.
This service lets people and small businesses use credit to make payments through UPI.
You can use it to pay at stores, shop online, or pay bills.
The best part is that you don't need to fill out any paperwork, and you get 45 days to pay back without any interest.
You can also earn rewards called Zillion coins for using the service.
BharatPe is the only fintech company in India with special licenses that help them offer this service.
This new product aims to make it easier for more people to access credit.
BharatPe and YES BANK launched 'Pay Later with BharatPe' credit on UPI, powered by NPCI.
The service offers instant UPI credit with zero paperwork and a 45-day interest-free period.
Users can make payments via UPI QR codes, online shopping, recharges, and bill payments.
BharatPe UPI Rewards provides Zillion coins for transactions, redeemable for vouchers and utility bills.
BharatPe is the only fintech company in India with an NBFC license, a stake in a Small Finance Bank, and an Online Payment Aggregator services license.
- Who
- BharatPe and YES BANK
- What
- Launch of 'Pay Later with BharatPe' credit on UPI
- When
- December 22, 2025
- Where
- India
- Why
- To democratize access to credit for consumers and merchants
- Companies Involved
- BharatPe, YES BANK
- Product Name
- Pay Later with BharatPe
- Credit Line Features
- Instant UPI credit, zero paperwork, 45-day interest-free period, flexible EMIs
- Usage
- Payments via UPI QR codes, online shopping, recharges, bill payments
- Rewards
- Zillion coins for transactions, redeemable for vouchers and utility bills
- BharatPe Licenses
- NBFC (Trillion Loans), stake in Unity SFB, Online Payment Aggregator services license
- Date of Announcement
- December 22, 2025