Razorpay X

DIGITAL LENDING 2.0

Digital Lending Stack of Choice for Industry Leaders

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

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Instant, effortless disbursals

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Digital lending guidelines compliant

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Seamless NBFC-Fintech collaboration

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Unmatched success rates

Easy to Scale | Unbeatable Pricing

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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.

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Co-lending
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P2P Lending
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100:0 Lending
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Invoice discounting
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Supply chain financing
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Buy Now Pay Later

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

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

Co-Founder,

SmartCoin Financials Pvt. Ltd.

SmartCoin Financials Pvt. Ltd.
READ FULL CASE STUDY

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

Banking Partners*

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

Trusteeship Services

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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.

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

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

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

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

Make Instant Disbursals, Get Better
Payouts Performance & Lots More

Go Live in Less Then a Week

Frequently Asked Questions

We work with partners you can trust

Keeping your business safe is our priority

SECURITY PARTNERS

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BANKING PARTNERS

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Razorpay is the only payments solution in India that allows businesses to accept, process and disburse payments with its product suite. It gives you access to all payment modes including credit card, debit card, netbanking, UPI and popular wallets including JioMoney, Mobikwik, Airtel Money, FreeCharge, Ola Money and PayZapp.

RazorpayX supercharges your business banking experience, bringing effectiveness, efficiency, and excellence to all financial processes. With RazorpayX, businesses can get access to fully-functional current accounts, supercharge their payouts and automate payroll compliance.

Manage your marketplace, automate bank transfers, collect recurring payments, share invoices with customers and avail working capital loans - all from a single platform. Fast forward your business with Razorpay.

Disclaimer: The RazorpayX powered Current Account and VISA corporate credit card are provided by RBI licensed banks. Your RazorpayX powered current account is provided by our partner banks i.e, ICICI, RBL, Yes bank, in accordance with RBI regulations. RazorpayX itself is not a bank and doesn't hold or claim to hold a banking license.

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REGD. OFFICE ADDRESS

RZPX Private Limited,
Ground Floor, SJR Cyber,
22 Laskar Hosur Road, Adugodi,
Bengaluru, 560030,
Karnataka, India
CIN: U72900KA2020PTC139072

Banking+ & Payroll are operated under RZPX Private Limited