Enable real-time credit access for customers through UPI.
Combine convenience with innovation to deliver next-generation banking experiences.
Changing the way credit
works for banks.
Enhance customer engagement and drive financial inclusion
by offering innovative, real-time credit solutions integrated
with UPI.
Why choose Pine Labs?
Pine Labs’ Credit Line on UPI simplifies credit access with:
Instant approvals
Real-time KYC, underwriting, and activation for a seamless customer experience.
Flexible credit limit
Tailor credit offerings to customer profiles, spending behaviour, and business needs.
Seamless integration
API-ready platform that integrates directly with UPI infrastructure and existing banking systems.
Robust security
Built-in fraud prevention and risk management for every transaction.
Scalable Infrastructure
Cloud-native design ensures high performance during peak transaction volumes.
Here’s how we stack up:
- Feature
- Instant onboarding
- Seamless UPI integration
- Flexible configurations
- Scalable infrastructure
- Pine Labs Card Switch
- Legacy Platforms
- Not available
- Not available
- Modern Platforms
- Not available
- Not available
Pine Labs Card Switch
Legacy Platforms
Modern Platforms
Instant onboarding
Not available
Seamless UPI integration
Not available
Flexible configurations
Not available
Scalable infrastructure
Not available
Instant. Flexible. Secure.
Instant credit for everyone
Enable seamless credit for New-to-Credit (NTC) and New-to-Bank (NTB) customers by linking credit lines directly to UPI.
Seamless UPI integration
Integrate effortlessly with existing banking systems and UPI infrastructure for quick deployment and operational efficiency.
Flexible credit limits
Offer customisable credit limits based on customer profiles, spending patterns and risk assessments.
Real-time approvals
Provide instant underwriting, KYC processing and activation to deliver customer delight.
Secure transactions
Fraud detection and risk management ensure safe, compliant, and error-free transactions.
Built to scale
Cloud-native platform supports high transaction volumes with consistent uptime and reliability.
As easy as it can be
for your customers.
Easy application
Customers apply for a credit line via your app or portal.
Instant underwriting
Seamless KYC and AML verification powered by integrated APIs.
Link to UPI
Approved credit lines are instantly linked to the customer’s UPI ID.
Seamless transactions
Customers transact at any merchant or online platform using their UPI-linked credit line for purchases.
All this and more.
Instant onboarding
Leverege in-built KYC and AML modules for instant approvals, eliminating manual intervention and delays.
Flexible credit management
Adjust credit limits, repayment terms and interest rates to suit dynamic customer needs.
Fraud prevention
Implement real-time fraud detection and risk management tools to ensure secure transactions.
Supports multiple use cases
Tailor credit lines for diverse applications.
Purpose-based credit line: Customised for specific customer needs.
Profile-based credit line: Dynamic credit limits based on customer behaviour.
Convert credit line to EMI: Allow customers to convert spending into flexible EMIs.
Secure credit line: Enable secure lending for specific use cases.
Loyalty & rewards: Build customer loyalty through rewards on credit line usage.
Key features:
Instant onboarding
Leverege in-built KYC and AML modules for instant approvals, eliminating manual intervention and delays.
Flexible credit management
Adjust credit limits, repayment terms and interest rates to suit dynamic customer needs.
Fraud prevention
Implement real-time fraud detection and risk management tools to ensure secure transactions.
Supports multiple use cases
Tailor credit lines for diverse applications.
Purpose-based credit line: Customised for specific customer needs.
Profile-based credit line: Dynamic credit limits based on customer behaviour.
Convert credit line to EMI: Allow customers to convert spending into flexible EMIs.
Secure credit line: Enable secure lending for specific use cases.
Loyalty & rewards: Build customer loyalty through rewards on credit line usage.
