XpressLinc
UPI Credit
Credit meets real-time payments
The next evolution of UPI combines digital payments with credit access, letting customers pay using linked RuPay Credit Cards or pre-sanctioned credit lines.
- Capabilities
- 5
- Business benefits
- 4
- Platform
- XpressLinc
Capabilities
Business benefits
Platform
Overview
About UPI Credit
Delivered as part of the XpressLinc platform, UPI Credit brings together RuPay Credit Card on UPI, Credit Line on UPI, Small-ticket lending and Merchant financing. It is API-first and integrates with the wider LincPay ecosystem, so it works alongside your existing banking and payment systems.
Capabilities
Key capabilities
- RuPay Credit Card on UPI
- Credit Line on UPI
- Small-ticket lending
- Merchant financing
- Instant credit disbursement
Benefits
Business benefits
Increased transaction volume
Expanded credit access
Better merchant conversions
New revenue opportunities
FAQs
Frequently asked questions
What is UPI Credit?
UPI Credit is credit meets real-time payments, part of LincPay's XpressLinc platform. The next evolution of UPI combines digital payments with credit access, letting customers pay using linked RuPay Credit Cards or pre-sanctioned credit lines.
What are the key capabilities of UPI Credit?
UPI Credit provides RuPay Credit Card on UPI, Credit Line on UPI, Small-ticket lending, Merchant financing and Instant credit disbursement.
Who is UPI Credit for?
UPI Credit is built for banks, NBFCs, payment aggregators, fintech companies and enterprises operating in regulated financial environments.
How does UPI Credit integrate with our existing systems?
UPI Credit is API-first and integrates with the XpressLinc platform and the wider LincPay ecosystem, so it works alongside your existing systems without a rip-and-replace.
Is UPI Credit secure and compliant?
Yes. UPI Credit is built on NPCI-compliant architecture with bank-grade security, encryption, fraud monitoring and complete audit trails.
How do we get started with UPI Credit?
Request a demo or talk to a LincPay expert. We start by understanding your requirements, then design an integration plan for UPI Credit that fits your existing systems.
See UPI Credit in action
Request a demo or talk to an expert about UPI Credit and the XpressLinc platform.
- NPCI-certified infrastructure
- Enterprise-grade security
- Dedicated implementation support