PayU and NPCI’s UPI Credit Line for Merchants

PayU, a leading payment solutions provider, has partnered with the National Payments Corporation of India (NPCI) to offer ‘Credit Line on UPI’ feature on its platform. This will enable PayU merchants to accept UPI payments from customers through pre-sanctioned credit line by banks.

What is Credit Line on UPI?

Credit Line on UPI is a new feature that allows customers to pay for their purchases using a pre-approved credit line or loan assigned by their bank. This is similar to Buy Now Pay Later, but with the added convenience of using UPI as the payment mode.

Customers can use Credit Line on UPI if they don’t have sufficient balance in their linked accounts or wallets. They can repay the credit amount later as per the terms and conditions of their bank.

How does it benefit PayU merchants?

PayU merchants can benefit from Credit Line on UPI in several ways:

  • It can increase sales conversion by offering customers an easy and flexible payment option.
  • It can reduce payment failures and cart abandonment by eliminating the need for OTP verification or balance check.
  • It can improve customer loyalty and retention by providing them with financial flexibility and convenience.
  • It can enhance customer experience by offering them a seamless and secure payment process.

PayU will also provide insights on consumers’ credit types like pay-later or personal loans, letting merchants develop tailored growth strategies and improve customer experiences.

How to enable Credit Line on UPI?

PayU merchants can enable Credit Line on UPI by following these simple steps:

  • Log in to your PayU dashboard and go to Settings > Payment Methods.
  • Enable UPI as a payment method and select ‘Credit Line on UPI’ as an additional feature.
  • Save the changes and start accepting UPI payments with Credit Line.


PayU’s partnership with NPCI to offer Credit Line on UPI is a transformative initiative that can boost digital payments in India. With over 380 million UPI users gaining easier access to credit line, the next big wave in digital payments is expected from credit. The enablement of pre-sanctioned credit lines by banks through UPI will empower businesses and consumers alike, fostering India’s financial inclusion agenda.

Recent Blog : ZF Group EV Component Factory in Tamil Nadu



Send Us A Message