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RazorpayX Lending Tech Stack

Digital Lending
Stack of Choice for Industry Leaders

Digital Lending
Stack of Choice for Industry Leaders

Digital Lending Stack of Choice
for Industry Leaders

RazorpayX Digital Lending 2.0 is loved and
appreciated by our customers for four main reasons:

Instant, effortless disbursals

Supporting 1 Million+ businesses globally

Instant, effortless disbursals

Instant, effortless disbursals

Digital lending guidelines compliant

Enabling 180 Billion+ TPV globally

Digital lending guidelines compliant

Digital lending guidelines compliant

Seamless NBFC-Fintech collaboration

Enabling payments from 130+ countries

Seamless NBFC-Fintech collaboration

Seamless NBFC-Fintech collaboration

Unmatched success rates

Enabling payments from 130+ countries

Unmatched success rates

Unmatched success rates

Easy to Scale | Unbeatable Pricing
0Million+
0Million+

Number of loans disbursed

Number of loans disbursed

Number of loans disbursed

₹115Billion+
₹115Billion+

Total transaction volume

Total transaction volume

Total transaction volume

10-Second Disbursals,
Across All Digital Lending Models

10-Second Disbursals,
Across All Digital Lending Models

10-Second Disbursals,
Across All Digital Lending Models

Money flows & regulatory requirements vary across different lending models. From current account to escrow account and trustees, RazorpayX Digital Lending 2.0 helps you do disbursements in 10 seconds or less while keeping in mind the needs of individual lending models to ensure a seamless, customized experience for all.

Money flows & regulatory requirements vary across different lending models. From current account to escrow account and trustees, RazorpayX Digital Lending 2.0 helps you do disbursements in 10 seconds or less while keeping in mind the needs of individual lending models to ensure a seamless, customized experience for all.

Money flows & regulatory requirements vary across different lending models. From current account to escrow account and trustees, RazorpayX Digital Lending 2.0 helps you do disbursements in 10 seconds or less while keeping in mind the needs of individual lending models to ensure a seamless, customized experience for all.

Co-lending

Co-lending

P2P lending

P2P lending

100:0 lending

100:0 lending

Invoice discounting

Invoice discounting

Supply chain financing

Supply chain financing

Buy Now Pay Later

Buy Now Pay Later

Disburse Loans & Collect Repayments in Your Escrow or
Current Accounts via RazorpayX’s API Suite

Disburse Loans & Collect Repayments in Your Escrow or
Current Accounts via RazorpayX’s API Suite

Disburse Loans & Collect Repayments in Your Escrow or Current Accounts via RazorpayX’s API Suite

Banking Partners*

*Each Bank partner will support use cases based on their policy guidelines

*Each Bank partner will support use cases based on their policy guidelines

Trusteeship Services

Powerful Collaboration for NBFCs & Fintechs

Powerful Collaboration for NBFCs & Fintechs

Powerful Collaboration for NBFCs & Fintechs

Working with multiple Fintech & NBFC partners is complex. Let RazorpayX bring speed & clarity with a collaborative ecosystem that helps you manage your money transfers easily, from beginning to end.

Working with multiple Fintech & NBFC partners is complex. Let RazorpayX bring speed & clarity with a collaborative ecosystem that helps you manage your money transfers easily, from beginning to end.

One NBFC Account, Multiple Fintechs

One NBFC Account, Multiple Fintechs

NBFCs can now manage all their Fintech partners under ONE Current account / Escrow account and onboard a new Fintech within 48 hours or less.

Sub-merchant Accounts for Fintechs

Sub-merchant Accounts for Fintechs

Fintechs can initiate disbursals for NBFC approval, view transaction ledger & manage disbursal balance from their respective sub-merchant accounts.

More Visibility & Control for NBFCs

More Visibility & Control for NBFCs

Manage disbursal approvals manually or via APIs with amount-based conditions. Add disbursal limits for each fintech to reduce exposure.

Auto Reconciliations & Reporting

Auto Reconciliations & Reporting

Auto Reconciliations &
Reporting

NBFCs can manage reconciliations & reporting effortlessly - no Fintech support required. Separate ledgers / MIS available for Fintechs and NBFCs.

Go Live in Less Than a Week

Go Live in Less Than a Week

Go Live in Less Than a Week

Get your bank account ready
Get your bank account ready
Get your bank account
ready
Sign up and add a few company details

Sign up and add a few company details

Sign up and add a few company details

Setup fintech access and disbursal flows
Setup Fintech Access and
Disbursal Flows
Setup fintech access and disbursal flows
Provide sub-merchant account access to your Fintech partners for easy disbursals

Provide sub-merchant account access to your Fintech partners for easy disbursals

Provide sub-merchant account access to your Fintech partners for easy disbursals

Get repayments in your Current Account
Get repayments in your Current Account
Receive payments from borrowers to your current a/c via Razorpay Payment Gateway

Receive payments from borrowers to your current a/c via Razorpay Payment Gateway

Get Repayments in your current

Receive payments from borrowers to your current a/c via Razorpay Payment Gateway

Customer Stories

Customer Stories

Customer Stories

Leading businesses trust us to power accurate, fast, and seamless loan disbursals

Leading businesses trust us to power accurate, fast, and seamless loan disbursals

How Razorpay is helping Indian businesses scale globally

RazorpayX helped us move fast and comply with DLG. RazorpayX’s Digital Lending 2.0 has made it extremely easy to make API-based disbursals & collect repayments directly from the borrower’s accounts. It has also made it easy to collaborate with our fintech partners.

Presha P

CEO,Credit Saison, India

RazorpayX helped us move fast and comply with DLG. RazorpayX’s Digital Lending 2.0 has made it extremely easy to make API-based disbursals & collect repayments directly from the borrower’s accounts. It has also made it easy to collaborate with our fintech partners.

Presha P

CEO,Credit Saison, India

We highly recommend this solution for everyone who is looking to stay compliant with RBI guidelines.The reporting module is extensive and makes reconciliations extremely easy for us.

Jayant Upadhyay,

SmartCoin Financials Pvt. Ltd.

We highly recommend this solution for everyone who is looking to stay compliant with RBI guidelines.The reporting module is extensive and makes reconciliations extremely easy for us.

Jayant Upadhyay,

SmartCoin Financials Pvt. Ltd.

Make Instant Disbursals, Get Better
Payouts Performance & Lots More

Make Instant Disbursals, Get Better
Payouts Performance & Lots More

Make Instant Disbursals, Get Better Payouts Performance & Lots More

Frequently Asked Questions

Frequently Asked Questions

Frequently Asked Questions

What is digital lending ?
Digital lending refers to the process of providing financial loans or credit to individuals, businesses, or other entities through online platforms and digital technologies. This makes the lending process much faster, efficient, convenient, and accessible for all.
What is an example of digital lending ?
Peer-to-peer (P2P) lending platforms are one of the examples of digital lending, wherein a completely digital P2P platform connects borrowers in need of personal loans with individual investors or institutions willing to fund those loans. Please note that the specifics of how digital lending platforms operate may vary depending on the company and the regulatory environment.
Is digital lending legal in India ?
Yes, digital lending is legal in India, but it is subject to regulations and guidelines issued by the Reserve Bank of India (RBI) and other relevant authorities.
What are the benefits of digital lending ?
Digital lending in India has several benefits like faster loan approval processes, instant disbursals, convenience for borrowers, easy access to credit based on data analytics that helps assess credit worthiness even for individuals and institutions in remote areas, fostering financial inclusion.
What is the future of digital lending in India ?
Digital lending is likely to continue evolving in India, driven by technological advancements, regulatory developments, and the ongoing demand for convenient and accessible financial services as long as strong risk management practices are followed by NBFCs & Fintechs with guidance from RBI.
What is the role of NBFC in digital lending ?
NBFCs are the Regulated Entities (REs) that provide the financial infrastructure and capital needed for digital lending platforms (aka Fintechs) to operate, facilitate the disbursement of loans to borrowers while upholding Fintechs to utmost risk management practices & regulatory compliance.
What is the role of Fintech in digital lending ?
Who regulates digital lending in India?
Digital lending is primarily regulated by the Reserve Bank of India (RBI) under the Digital Lending Directions, 2025. These rules cover banks, NBFCs (including housing finance companies), co-operative banks, and all-India financial institutions.
Fintech apps act as Lending Service Providers (LSPs) to these regulated entities, operating under supervised contracts without controlling fund flows or charging borrowers directly. RBI is also launching a public directory of verified lending apps via its CIMS portal.
Is a digital loan safe?
Yes, when borrowed from an RBI-regulated lender. The 2025 rules mandate clear pricing through a Key Fact Statement (KFS), APR-based charges, transparent penalties, and automatic sharing of signed loan documents. Disbursals go directly to your account, repayments go straight to the lender, and you get a minimum one-day cooling-off period to exit without penalties (only a pre-disclosed processing fee may apply).Grievances can be raised in-app, on the lender’s site, or via RBI’s Complaint Management System. Data is protected by strict consent rules, no contact/media access, and mandatory India-based storage.
What is a digital lending platform?
A digital lending platform is a web or mobile app that enables fully or partly automated loans—from application to disbursal, repayment, and recovery.These platforms are run by regulated lenders or their LSPs under RBI oversight. Aggregators showing multiple offers must display lender details, APR, charges, and KFS links transparently, avoiding deceptive designs or biased listings.
What is digital lending ?
Digital lending refers to the process of providing financial loans or credit to individuals, businesses, or other entities through online platforms and digital technologies. This makes the lending process much faster, efficient, convenient, and accessible for all.
What is an example of digital lending ?
Peer-to-peer (P2P) lending platforms are one of the examples of digital lending, wherein a completely digital P2P platform connects borrowers in need of personal loans with individual investors or institutions willing to fund those loans. Please note that the specifics of how digital lending platforms operate may vary depending on the company and the regulatory environment.
Is digital lending legal in India ?
Yes, digital lending is legal in India, but it is subject to regulations and guidelines issued by the Reserve Bank of India (RBI) and other relevant authorities.
What are the benefits of digital lending ?
Digital lending in India has several benefits like faster loan approval processes, instant disbursals, convenience for borrowers, easy access to credit based on data analytics that helps assess credit worthiness even for individuals and institutions in remote areas, fostering financial inclusion.
What is the future of digital lending in India ?
Digital lending is likely to continue evolving in India, driven by technological advancements, regulatory developments, and the ongoing demand for convenient and accessible financial services as long as strong risk management practices are followed by NBFCs & Fintechs with guidance from RBI.
What is the role of NBFC in digital lending ?
NBFCs are the Regulated Entities (REs) that provide the financial infrastructure and capital needed for digital lending platforms (aka Fintechs) to operate, facilitate the disbursement of loans to borrowers while upholding Fintechs to utmost risk management practices & regulatory compliance.
What is the role of Fintech in digital lending ?
Who regulates digital lending in India?
Digital lending is primarily regulated by the Reserve Bank of India (RBI) under the Digital Lending Directions, 2025. These rules cover banks, NBFCs (including housing finance companies), co-operative banks, and all-India financial institutions.
Fintech apps act as Lending Service Providers (LSPs) to these regulated entities, operating under supervised contracts without controlling fund flows or charging borrowers directly. RBI is also launching a public directory of verified lending apps via its CIMS portal.
Is a digital loan safe?
Yes, when borrowed from an RBI-regulated lender. The 2025 rules mandate clear pricing through a Key Fact Statement (KFS), APR-based charges, transparent penalties, and automatic sharing of signed loan documents. Disbursals go directly to your account, repayments go straight to the lender, and you get a minimum one-day cooling-off period to exit without penalties (only a pre-disclosed processing fee may apply).Grievances can be raised in-app, on the lender’s site, or via RBI’s Complaint Management System. Data is protected by strict consent rules, no contact/media access, and mandatory India-based storage.
What is a digital lending platform?
A digital lending platform is a web or mobile app that enables fully or partly automated loans—from application to disbursal, repayment, and recovery.These platforms are run by regulated lenders or their LSPs under RBI oversight. Aggregators showing multiple offers must display lender details, APR, charges, and KFS links transparently, avoiding deceptive designs or biased listings.

Razorpay, a leading payments technology platform, empowers businesses in US to enhance their payment experience effortlessly. Razorpay’s technology helps businesses streamline their finances, automate payouts, and gain real-time financial insights—all from a user-friendly platform. Focus on growing your business while Razorpay takes care of the rest. Sign up today and experience the difference!

ACCEPT PAYMENTS

Payment Solutions

Payment Links

DEVELOPERS

Docs

API Reference

COMPANY

Terms of Use

Privacy Policy

Careers

HELP & SUPPORT

Support

FIND US ONLINE

Razorpay, a leading payments technology platform, empowers businesses in US to enhance their payment experience effortlessly. Razorpay’s technology helps businesses streamline their finances, automate payouts, and gain real-time financial insights—all from a user-friendly platform. Focus on growing your business while Razorpay takes care of the rest. Sign up today and experience the difference!

COMPANY

Terms of Use

Privacy Policy

Careers

HELP & SUPPORT

Support

ACCEPT PAYMENTS

Payment Solutions

Payment Links

DEVELOPERS

Docs

API Reference

FIND US ONLINE

Razorpay, a leading payments technology platform, empowers businesses in US to enhance their payment experience effortlessly. Razorpay’s technology helps businesses streamline their finances, automate payouts, and gain real-time financial insights—all from a user-friendly platform. Focus on growing your business while Razorpay takes care of the rest. Sign up today and experience the difference!

COMPANY

Terms of Use

Privacy Policy

Careers

HELP & SUPPORT

Support

ACCEPT PAYMENTS

Payment Solutions

Payment Links

DEVELOPERS

Docs

API Reference

FIND US ONLINE