The product uses NPCI’s Credit Line on UPI framework, allowing customers to borrow for payments rather than draw from their bank balance. Each user’s approved limit will depend on their credit profile, so the ₹60,000 ceiling is not an assured amount for everyone.

Customers can use Flex for merchant purchases online and in shops through familiar UPI QR codes. It sits within the BharatPe UPI app already available to users, without requiring another app or a physical card. The aim is to make credit accessible through an everyday payment method.

Borrowers can repay their spending within 45 days or turn the bill into instalments spread over three to 12 months. The supplied report does not state interest rates, charges or detailed eligibility conditions. Customers therefore should not interpret the repayment window as a promise of interest-free borrowing.

BharatPe is promoting Flex through an advertising campaign with cricketer Rohit Sharma. Chief executive Nalin Negi said the company’s approach centres on widening access to formal borrowing while encouraging responsible use and sustainable growth. The launch extends the company’s activities from merchant payments into consumer credit.