Super.money Acquires BharatX to Strengthen BNPL and Credit Offerings in Checkout Financing
- February 25, 2025
- Brandz Editor Team
- 0

Flipkart-backed super.money has taken a strategic step towards expanding its credit offerings by acquiring BharatX, a buy-now-pay-later (BNPL) fintech startup. The acquisition, which is an all-cash deal, underscores super.money’s commitment to enhancing its super app’s capabilities, particularly in the growing checkout financing space. The financial terms of the transaction have not been disclosed, but the strategic integration of BharatX’s technology and expertise is expected to bolster super.money’s credit services, especially within the UPI (Unified Payments Interface) ecosystem.
Founded to address the growing need for convenient and flexible payment options, super.money has rapidly established itself as a key player in India’s fintech space, particularly for users seeking simple, accessible, and instant credit solutions. With this acquisition, super.money is now positioned to significantly improve its BNPL offerings, catering to a large and expanding customer base looking for seamless financing options at checkout.
Expanding BNPL Solutions in India
Buy-now-pay-later (BNPL) services have seen significant growth across the world, particularly in emerging markets like India, where increasing numbers of consumers are embracing digital payments and online shopping. BNPL allows customers to make purchases and pay for them in installments, providing flexibility and making large-ticket items more accessible. This service is especially popular in the e-commerce sector, where customers often seek ways to split payments at checkout without incurring high-interest charges associated with traditional credit cards.
By acquiring BharatX, super.money aims to expand its foothold in the BNPL market. BharatX has developed a robust platform that enables BNPL offerings directly at checkout, which aligns perfectly with super.money’s mission to deliver flexible credit solutions to millions of consumers. BharatX’s core team, with their deep expertise in the BNPL sector, will now be integrated into super.money’s operations, helping scale up its credit services and enhance its offerings within the UPI ecosystem. The team’s technical expertise in building seamless, frictionless credit experiences will help super.money improve user engagement and create a more personalized, dynamic credit experience for users.
Strengthening UPI-Based Credit Offerings
Super.money’s decision to focus on expanding its credit offerings on UPI is highly strategic, as UPI has become the backbone of India’s digital payment infrastructure. By building UPI-based credit solutions, super.money is tapping into an ecosystem where the government and financial institutions are pushing for wider adoption of digital payments and financial inclusion. With BharatX’s acquisition, super.money can provide an integrated solution that combines the ease of UPI payments with the flexibility of credit, allowing users to access instant credit at checkout without the complexities of traditional credit products.
The collaboration between the two fintech companies will likely result in innovations aimed at enhancing the user experience for credit-seeking customers, whether they are making small-ticket purchases or larger transactions. BharatX’s expertise in BNPL and super.money’s established presence in the credit space will allow for smoother integration and greater customer satisfaction. The deal also positions super.money as a serious contender in the rapidly expanding space of embedded finance in India.
Long-Term Growth Potential
The acquisition of BharatX also highlights super.money’s long-term vision of becoming a comprehensive financial ecosystem for Indian consumers. By combining BNPL services with UPI credit offerings, super.money is poised to create a frictionless, seamless experience for users across different financial needs. The scalability of this approach means that super.money can serve a wider customer base, including those in underserved and underbanked segments, providing them with easy access to credit products.
Additionally, the integration of BharatX’s expertise in fintech will bolster super.money’s position in the competitive Indian market, where companies are increasingly innovating to meet evolving consumer demands. As more users embrace digital financial services, super.money is in an advantageous position to capture a substantial share of the market, offering everything from credit at checkout to personalized lending options.
Conclusion
Super.money’s acquisition of BharatX marks a pivotal moment in the evolution of India’s BNPL and credit landscape. By combining BharatX’s specialized capabilities in checkout financing with its own expertise in UPI-based credit solutions, super.money is set to redefine the way credit is accessed and used in India’s fast-evolving fintech ecosystem. This acquisition will help the company create more seamless, accessible, and flexible credit offerings for its growing user base, positioning it for long-term success in the rapidly expanding digital finance market.