Enable financial Inclusion of SMEs by extending Loans, Financial and other digital Services to our retailers

The following solution provides you with an opportunity to work out the problem of merchant's working capital requirements and provide them with small business loans as well as give them savings and investment options. Thus, we provide you an option of lending to our merchants by giving you access to alternative credit data of over 4 lac merchants that further simplifies the loan application and loan approval process. The Pay1 credit score easily helps you gauge every merchant's loan amount requirements and also potential clients based on their transaction history with us, which helps you to present them with options to grow their business by providing financial security and guidance. This is to penetrate the unorganised sector for the financial inclusion of SMEs through the merchants and their customers. A savings option like a recurring deposit, a fixed deposit with a minimum premium option will lead merchants and their customers to be prepared for unprecedented times, increase their financial literacy and open a wide section of the economy willing to save and invest at a click. Have an online platform that needs to reach local stores? We have got you covered! Integrate with us, and soon you will have a wide range from our merchants, wanting to stock their retail stores with your products. This feature also serves as a platform for your business to market your products to our merchants. All the products can be sold at our retail stores, which makes you our key partner and helps the products reach end customers. An animation video clips, explaining how a retailer could use the financial products, ending with a screenshot to apply for APIs

Example with screens

View and choose from multiple loan vendors
Upload KYC Documents
Vendor offers loan amount to Pay1 Merchants
Notifications will be sent at every stage

Key Benefits

Lead generation : access to 4 lac+ merchants
Easy authorization and integration
Fast and seamless process
Access to untapped, no file/ thin file customers based on Pay1 score
Comprehensive Credit assessment and seamless collections

API Docs


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All developers must apply to access Pay1 APIs.

Wish to know more about our imminent use cases? Then mail us at: alliances@pay1.in