BharatNXT: Pay any supplier. Get paid faster.
BharatNXT
The Largest B2B Payment Network

Pay your seller instantly.
From one place. On credit.

BharatNXT is where Indian businesses pay their suppliers, collect from their buyers, and free up working capital - on one rail, in one place. Any supplier, any payment mode, no card machine needed.

★★★★★4.6 · 41L+ installs · 37K+ reviews
+50 credit daysSeller paid today, you pay in 50
One transaction, live
Live
ST
Business buying
Sharma Textiles
₹2,40,000
₹ payment
Payment mode
One-click setup · zero integration
Credit Card Wallet UPI Credit Line Net Banking Overdraft
BharatNXT Network
Compliance · Risk · Route · Settle
bank transfer
KY
Business selling
Kumar Yarns
₹0
Bank account
How it works

One payment. Both parties win.

Swipe to see the steps →

Step 1
Find your seller
10,000 GST-verified sellers, already on the network.
Step 2
Pay by credit
Use the card and limit you already have.
Step 3
Seller credited
Money reaches their bank account in 24 hours.
Step 4
You pay in upto 50 days
The bank bills you as usual, up to 50 days later.
Step 1
Send the bill
Share the invoice with a payment link built in.
Step 2
Reminders go out
Follow-ups run on their own. No recovery calls.
Step 3
Buyer pays by credit
They take their credit period. You do not wait for it.
Step 4
Settled Instantly
Straight into your normal bank account.
1 2 3 4
Step 1
Find your supplier
10,000 GST-verified suppliers, already on the network.
Step 2
Pay by card
Use the card and limit you already have.
Step 3
Supplier credited
Money reaches their bank account in 24 hours.
Step 4
You pay later
The bank bills you as usual, up to 50 days later.
1 2 3 4
Step 1
Send the bill
Share the invoice with a payment link built in.
Step 2
Reminders go out
Follow-ups run on their own. No recovery calls.
Step 3
Dealer pays by credit
They utilize their credit period. You do not wait for it.
Step 4
Settled in 24 hours
Straight into your regular Indian bank account.
Who it’s for

What changes for your business.

Pick your business. See the exact problem BharatNXT removes.

Give dealers 30 days without lending your own cash.
Pay your supplier today on your card; your dealer pays on their cycle.
Supplier needs
Kumar Yarns
₹5,00,000
Today
Pay your supplier now with BharatNXT
Dealer pays you
Sharma Traders
₹5,00,000
In 30 days
You keep selling — not waiting 30 days for your cash.
The app

Everything in one app.

Pay With Credit, invoices, Seller Hub, collections, working capital and one ledger, on your phone. No integration, no IT team, no change of bank.

Pay With Credit

Pay any supplier, card machine or not

Pay on the card you already hold, even suppliers who have never accepted a card. They receive a regular bank transfer into their existing account. Full invoice amount, within 24 hours.

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Invoice Payments

Every invoice you owe, in one place

Connect your Gmail, your GST account and NPCI Bharat Connect. Invoices arrive in the app on their own. Review, approve, pay. Nothing typed in by hand, nothing missed on a due date.

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Seller Hub

Let buyers find you

Businesses across 400+ cities search by category and city. Be the supplier they find, and get paid inside the app without sending a single reminder.

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Collections

Get paid in 24 hours without giving credit

Send an invoice, or a payment link, whatever you have. Automated follow-ups. You're settled in 24 hours while your buyer still takes his full credit period, and none of the risk sits with you.

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Working capital

Extra limit for your peak season

New limits beyond your card, the week you need it. Pre-approved lines, no collateral, we handle all the paperwork.

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Ledger

One ledger for money in and money out

Payables and receivables in one view. Ageing by buyer, settlements matched to invoices, and an export your accountant will actually accept.

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The network

We serve every Indian pincode.

Businesses in every pincode in India have paid and been paid through BharatNXT. Tap a city for last quarter’s numbers.

In their words

If you do not believe us,
believe them.

Swipe through them, tap play to watch
Supplier relationships changed the day payments got boring. ₹42 L/monthpaid through the app Rhea M. Meher Packaging Packaging, Pune
I stopped choosing between paying my supplier and making payroll. 40 → 4recovery calls a week Anil K. Kumar Logistics Logistics, Delhi
Fifty days of runway I did not know I had. ₹64 Lworking capital freed Nikunj P. Nikunj Machine Parts Manufacturing, Ahmedabad
Sixty years of trust. Finally a payment system worth it. 300dealers now on credit Mohsin A. Ahmed Hardware Hardware, Bengaluru
Season money in, season money out. Now it finally balances. 135 → 42days outstanding Durga P. Durga Nurseries Agriculture, East Godavari
Security & regulation

Regulated rails. Compliance first.

Every rupee settles bank to bank through licensed partners. BharatNXT holds no customer funds and stores no card data, there is no money on our books and nothing on our servers to breach.

₹488 Cr settled
₹0 held by us

Card data tokenised by the network, never stored with us
Settlement bank to bank through RBI-regulated partners
Both sides GST-verified before any rupee moves
Timestamped audit trail, exportable on demand
Licensed, certified, backed
Who holds the licence, who holds the money, who we answer to, who backs us.
Pine Labs Partner NBFCs (named in app) Agent Institution
Pine Labs Partner NBFCs (named in app) Agent Institution
Compliance
Certified on the standards that govern card data and information security.
Money partners
Banks, payment aggregators and the wallet we co-brand, every rupee sits with them, never with us.
Credit partners
RBI-registered NBFCs and lenders who underwrite every limit, and the bodies we answer to.
Backed by
Institutional investors, and part of the Google for Startups programme.
Co-branded wallet
Pine Labs
Licensed issuer of the wallet. Every balance sits with them, not with BharatNXT.
Credit & loans
Partner NBFCs (named in app)
BharatNXT acts as a Lending Service Provider. The lender of record is the NBFC, disclosed before you accept a limit.
Bharat Connect / BBPS
Agent Institution
Live on both the buyer and supplier side. Registration number published in the app and on request.
FAQs

Got questions?
We have got them answered.

Six things businesses ask us before they sign up. Open a topic to see the answers.

Your GST number, PAN and bank account details. Most businesses are verified and making their first payment the same day.

Same day for most businesses. Multi-entity or enterprise setups usually take about a week.

No. All we need are their bank details and GST number. They receive the transfer like any other payment.

No. You pay on your card and your supplier receives a normal bank transfer into their existing account.

All major Indian credit cards on Visa, Mastercard and RuPay. Corporate and business cards are supported.

The amount is either not debited or reversed to your card within standard banking timelines. Support tracks every failed payment until it is resolved.

From your existing card billing cycle plus its interest-free period. We do not change your bank, your limit or your terms.

Yes. You can request headroom on top of your existing card without a new loan file or collateral.

Using BharatNXT does not open a new credit line. Your usage and repayment continue to sit with your existing card issuer.

A flat {{ cardFee }} fee on each card payment. No joining fee, no annual fee, no minimum volume. The fee is shown before you confirm.

You, the buyer. Your supplier receives the full invoice amount.

None, as long as you clear your card bill by its due date.

Send payment links, let reminders go out automatically, track outstanding by dealer and get settled in 24 hours, while your dealer still pays on credit.

Yes. WhatsApp reminders follow your schedule, so your staff makes no recovery calls.

Within 24 hours of your dealer paying, straight into your existing bank account.

Card details are tokenised by the payment network and never stored on our servers. We are PCI-DSS compliant.

Never. Funds settle bank to bank through RBI-regulated partners. We hold no customer money at any point.

Call {{ carePhone }}, email {{ supportEmail }}, or message us on WhatsApp, we answer on business days.

Kuch Bada Karte Hai.
Buy. Sell. Pay. Collect. Install the app →

One platform for every business payment.

★★★★★4.6 · 1L+ installs · 38 MB · No joining fee
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