Built for India, trusted by the ecosystem. Launch payment, onboarding, and credit solutions with plug-and-play solutions that power scale and compliance.
Collect, build and scale
on BharatConnect.
Scale bill collections through BharatConnect, India’s leading BBPS platform, powering leading billers and distribution partners.
Fast go-live
Onboard in weeks with certified BBPS flows.
Compliance built-in
Built-in adherence to RBI and BharatConnect norms, no heavy lifting on your end.
Smarter API stack
Enhanced, scalable APIs with robust RPS capacity and real-time error visibility.
Actionable dashboards
Track SRs, failures and chargebacks, and act instantly with live alerts and transaction-level insights.
India’s smart customer
onboarding stack.
Verify individuals and businesses instantly—quick onboarding, high uptime and
built with regulatory compliance. Fraud-proof and format-ready.
Smarter data access, built on the AA ecosystem.
Access complete FIP coverage, boost consent rates significantly and go live in days, with a reliable multi-AA Gateway.
FIP coverage with a single multi-AA gateway
High uptime and lightning-fast, real-time data fetch
Higher consent conversion with pre-built, user-tested flows
Lower ops cost through auto-processing and reconciliation
Smarter credit decisions, powered by
real-time financial data.
Use income flows, payment patterns, and financial behaviour to boost approval rates, minimise defaults, and customise repayment plans.
Income & expense intelligence
Track cash inflows, outflows, and recurring obligations to assess repayment capacity with high precision.
High accuracy and granular categorisation
Classify user transactions into multiple categories using ML-trained models—giving you deep insights into lifestyle and spending behaviour
Predictive risk signals
Detect signs of financial stress early. Recommend ideal repayment dates to reduce bounce and improve recovery.
Turn banking data into revenue opportunities.
Transform your digital banking platform into an intelligent financial companion that drives engagement and revenue.
Provide customers with a comprehensive financial command center that automatically organises their income, expenses, and investments into actionable insights through AI-powered categorisation.
Increase platform stickiness through perfectly-timed notifications that convert insights into action - from bill payment reminders to subscription alerts - all with one-click execution.
Create new revenue streams through premium features and personalised product recommendations based on real-time understanding of customer financial behaviour and needs.
Provide customers with a comprehensive financial command center that automatically organises their income, expenses, and investments into actionable insights through AI-powered categorisation.
Increase platform stickiness through perfectly-timed notifications that convert insights into action - from bill payment reminders to subscription alerts - all with one-click execution.
Create new revenue streams through premium features and personalised product recommendations based on real-time understanding of customer financial behaviour and needs.
Why Pine Labs?
Build reliable, scalable financial infrastructure solutions with
enterprise-grade availability and features.
High system uptime
RBI-compliant data access and workflows
Comprehensive testing environments
Real-time analytics and monitoring
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