Buy Now Pay Later - For B2B Payments

Increase Your Overall Sales By 2x

With Instant Credit For MSMEs & Businesses That Buy From You

Provide Instant Credit To Your Business Buyers

Get Instant Payment At The Point-Of-Sale, While Businesses That Buy From You Get Flexible Repayment Window.

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What Is
Buy Now Pay Later - For B2B payments?

The Buy Now Pay Later solution is a closed loop digital Supply Chain Financing solution leveraging cutting edge technology to offer working capital finance to Dealers / Distributors / Stockists / Retailers of any brands or products. Our tailor-made solution helps brands & enterprises get instant payment against products sold, while their business buyers get immediate financing, based on their credit profile, to purchase products on credit with a flexible repayment window.

Benefits For
Brands & Enterprises

Increase Average Sales Per Customer By Up To 40%

Double your overall sales with flexible credit period for buyers you serve and increase your average sales

Choose To Save
The Merchant Discount Rate

Either save up to 2% of the merchant discount rate or bear the same to attract more buyers

Purchase Experience

Provide a seamless purchase experience to your buyers without the hassle of entering credit/debit card details

Improve Cart Conversion
By Up To 30%

Incentivise your buyers to buy more by offering an extended credit period only on your platform

Hassle-free API Integration
In Less Than 24 Hours

Quick API integration for increased efficiency & zero dropout rates at the point of sale

Quick And Easy
Digital Process

KredX offers an entirely digital process without the need for long documentations

Double Your Sales Now

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Benefits For
Business Buyers

Solve Working Capital

Business buyers get the flexibility to pay once they sell the product further, while the brand gets paid at the point of sale

Credit Score

New-to-Credit & low credit score borrowers can improve their creditworthiness by repaying small-ticket loans

Instant Purchase
Without Waiting

Business buyers get to purchase instantly & save time spent in applying & waiting for a credit card

Revolving Credit

Business buyers can avail BNPL as a payment option to make their purchases without any limitations

Get Started in Less
Than 2 Minutes

With a simple KYC process, buyers get to purchase their product in less than 2 minutes

Quick Online Process

End-to-end digital process right from the get-go supported by cutting-edge technology

We Serve

Brands & Enterprises That Sell To Other MSMEs & Businesses

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Buyers of B2B

Dealers/Retailers of
B2C Brands

Stores of Franchise

High-selling B2B

Buyers Who Can Avail
The Buy Now Pay Later - B2B Payments Solution

should be operational
for at least 6 months

BNPL covers buyers from
Partnership/Private Ltd

Buyers with CIBIL Score
above 600 & New-to-
Credit can avail BNPL

Get Started In
4 Simple Steps

For Brands Selling Products

For Brands Selling
Products Online

  • 1 Fill out the form and sign up an agreement to get started
  • 2Share your data for quick API integration with the platform
  • 3Post the integration BNPL appears as a payment mode at Checkout
  • 4Receive outstanding payment in under 2 minutes


Anchors can increase their average sales by up to 40% per customer, double their overall sales with a flexible credit period for buyers, save merchant discount rate, improve cart conversion by 30% and have quick API integration. KredX is India’s one of the firsts to provide instant credit in the B2B marketplace with exceptional TAT.

You can follow the following steps to get onboarded:

1) Fill out the form and sign up an agreement to get started

2) Our Relation Manager will reach out to you

3) You can opt for a customised solution as per your requirement

4) Post the integration BNPL appears as a payment mode at Checkout

5) Receive outstanding payment in under 2 minutes

The KredX team will be sending an MIS on a regular basis.

Yes, the buyer can use the BNPL facility for part of the invoice amount. The buyer can avail this facility online, only if the amount is less than threshold.

The buyers will receive a dedicated web link which can be used by them to get onboarded on the KredX BNPL portal.

The KredX BNPL facility can be availed at the time of checkout during making a purchase.

The buyers will receive a dedicated web link which can be used for any offline transaction.

Underwriting process - based on a data set for each potential borrower (format attached in excel), Credit Bureau information will be retrieved to check initial eligibility. Once a set of buyers are approved based on CIBIL.

We need the following additional documents if the dealer/distributor needs a higher limit than the assigned limit(based on the CIBIL).

(a) KYC - (PAN & Aadhaar copy - All prop, Firm partner, directors)

(b) Firm / Company - PAN, COI and GST

(c) Bank statement- 1 year directly downloaded from internet banking

(d) GST 1 year

Not really. Being a customisable offering, the costing and interests depend on the type of arrangement the parties agree to. If they choose to subvert the percentage of interest then they can.


Yes, you can integrate KredX BNPL with your E-commerce portal.

Yes, it can be used as an embedded financing option.

Yes, a user can on-board and get instant sanctions at the time of checkout.

Depending on the ticket size, document submission by the user and several other factors, the duration can be as low as 2 minutes, and as high as 24 hours.

Depending on the ticket size, document submission by the user and several other factors, the duration can be as low as 2 minutes, and as high as 24 hours.

The buyer is onboarded on the KredX platform through a web link that redirects the buyer to the platform where the buyer can fill in the required details.

The sanction limits are allocated based on multiple factors including the ticket size, risk, etc.

A minimum of 650 CIBIL score is required as an eligibility criteria. It can also depend on a case-by-case basis.

Step 1. Order added to cart

Step 2. Select the pay later option at the checkout.

Step 3. Buyer is redirected to the KredX platform to confirm the invoice

Step 4. Upon successful confirmation, the user is redirected back to the seller portal.

Step 5. Funds will be transferred from buyer’s pay later account, to seller’s current account.

The repayment can be done through UPI, payment link, which is similar to payment gateways, virtual bank account number, etc.

The buyer is intimated by the team before the due date.

An Aadhaar based mandate is a mandatory where the Aadhaar identity proof is sufficient since the authentication will be aadhaar-based. It takes upto 4 days to get an approval in case of an Aadhaar based mandate.

As soon as the invoice is uploaded, buyers will get a WhatsApp message, an SMS and an email update to which they need to respond by clicking on the Yes/No status.

KredX will provide the dedicated dashboard to each buyer where they can see the transaction history, available limits, utilised dates, etc.

You can transact multiple times in a day with no limits. As long as you are utilising the sanctioned limit available for you.

You can repay multiple times within the decided credit period.

Reassigning of the limits takes place immediately after the repayment amount hits the bank account.

Only 1 day(s) interest will be charged in case you repay the outstanding amount within the same day.

Based on the sales volume, KredX can by default increase or decrease the limits. In case you want a higher limit, we can accommodate the same depending on case-to-case basis. For the same you can also reach out to your dedicated RM.

A delay in payment is always reported to CIBIl or any other credit bureau.


In such cases, the Anchor will bear the interest for the duration and for Online we have an API.

Yes. We, at KredX, provide our clients with a dedicated dashboard to track everything in real-time.

There is no other document required. Based on your Credit Bureau history, it will be assessed.

1) Visit the NetBanking registration page.

2) Enter your customer ID and confirm your mobile number to get an OTP.

3) Enter the OTP and enter your debit card details.

4) Set your PIN and log in NetBanking using the customer ID and new PIN.

In order to download bank statement(s):

1) Visit your bank's website.

2) Log in to Online Banking/Digital Banking/Internet Banking/eBanking etc.

3) Click 'statements', 'e-documents', or 'download'

4) Make sure you've selected the correct account.

5) Choose a statement (or a date range) and Download

6) Repeat the steps to download multiple statements.

With the login access provided, you can login to your KredX pay later account and with the same details login to your netbanking account. Watch the video for more details.

Visit GST Portal. Log in to the account on GST Portal. Navigate to Services and select the Financial Year. You can view the Acknowledgment Number and Date of Filing of the GST Return. The Review page of GST Return would be displayed.

Access and go to the GST Home page. Login to the GST Portal with valid credentials. Click on Services > User Services > View/Download Certificates command.

Visit the official website of Unique Identification Authority of India (UIDAI). Click on the 'My aadhaar' tab. Click on the 'download aadhaar' option under the 'Get aadhaar' tab.

KredX Pay Later supports all nationalised banks.

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