BharatPe Flex Launches: Make UPI Payment Even With Zero Balance, Pay Later 'Interest-Free'

With the launch of BharatPe Flex, a credit-on-UPI facility, users can now manage their daily payment by making payments through UPI even when they may not have sufficient balance in their bank account at that moment.

Users can pay with the app and settle interest-free within 45 days. While payments through UPI even with no sufficient funds in bank account at that moment, the users can also repay monthly either in full or via flexible 3–12 month equated monthly installments (EMIs).

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The service combines the convenience of UPI with access to a pre-approved credit line, enabling users to pay now and settle their dues later. Users can make UPI payments and settle dues within up to 45 days of interest-free period.

Thus, BharatPe Flex offers users the option to repay in full within the billing cycle or convert the repayment into flexible EMIs, depending on their repayment preference.

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Customers may access the facility of a credit line incorporated within the UPI experience while continuing to make payments across the current UPI ecosystems with BharatPe Flex. These payments include in-store QR-code payments, internet transactions,