Seamlessly Manage Credit Lines on UPI

Streamline credit on UPI lifecycle management with a comprehensive platform designed for issuers

End-to-End Platform for Credit Line Management

Customizable Credit Line Issuance

Define credit parameters like eligibility, limits and repayment structures tailored to customer segments

Seamless
UPI Integration

Enable credit lines directly within the UPI framework, providing interoperability across apps and devices

Automated Credit Management

Manage credit approvals, disbursals and repayments with automated workflows

Regulatory
Compliance

Align with RBI and NPCI guidelines for secure and lawful credit operations

Real-Time
Analytics

Access actionable insights into credit usage, repayments and customer behavior

Why Choose Phi Commerce’s Credit Line on UPI Platform?

Faster Go-to- Market

Deploy credit line solutions quickly with pre-built UPI integration and ready-to-use modules

Operational Efficiency

Automate manual processes to reduce administrative overhead and improve turnaround times

Enhanced Customer Experience

Offer instant, seamless access to credit within the widely adopted UPI ecosystem

Regulatory Readiness

Comply with RBI, NPCI standards and global best practices

Cost
Savings

Streamline operations with a unified platform for credit issuance and management

Data-Driven Decision Making

Use analytics to refine credit strategies and optimize risk management

Transforming Credit Line Management Across Financial Ecosystems

Banks and NBFCs

Build and manage personalized credit line programs for retail and business customers

UPI Payment Providers

Enable interoperable credit-based UPI transactions with seamless integrations

E-Commerce Platforms

Facilitate instant credit for purchases, boosting conversions and customer loyalty

Lending Startups

Launch scalable and secure credit products with minimal time-to-market

Travel and Healthcare

Support customers with instant credit for high-value or emergency expenses

Trusted Partner in Credit Line Technology

Proven Expertise

Extensive experience in building scalable payment technology solutions for financial institutions

Technology Leadership

Advanced cloud-native architecture designed for security, scalability and reliability

Customizable Solutions

Tailored workflows for credit issuance, repayment tracking and dynamic interest management

Regulatory Alignment

Fully compliant with RBI, NPCI and global security standards for digital credit solutions

End-to-End Support

From platform deployment to optimization, receive support at every step

Roll out Credit Line on UPI Today

Leverage a robust, scalable and secure platform for managing UPI credit lines

Frequently Asked Questions

What is the Credit Line on UPI Platform?

It’s a technology platform enabling financial institutions to build, issue and manage pre-approved credit lines integrated with the UPI ecosystem.

Who can benefit from this platform?

Banks, NBFCs and fintechs looking to offer credit line services seamlessly through UPI.

Is it compliant with regulatory standards?

Yes, it aligns with RBI and NPCI guidelines, ensuring lawful and secure credit operations.

Can the platform handle high transaction volumes?

Absolutely! It’s built on a cloud-native, scalable infrastructure capable of processing millions of transactions.

Does it support integration with existing systems?

Yes, the API-first design ensures seamless integration with existing core banking systems and UPI frameworks.