Resilient Payments, a BharatPe Group company, has received final authorisation from the Reserve Bank of India (RBI) to operate as an Online Payment Aggregator (PA).
With this, BharatPe becomes the only Indian fintech that holds an NBFC permit through Trillion Loans, a significant stake in Unity Small Finance Bank and now a Payment Aggregator Licence.
Resilient Payments will operate under the brand name BharatPe X and will focus on scaling digital payment solutions. The company plans to scale its payment solutions across a broader merchant base, deepen its presence in tier 2 and 3 cities, and invest in building advanced technology infrastructure to support high-growth sectors.
Nalin Negi, CEO of BharatPe, said, “We deeply value the trust placed in us by the regulatory authorities. This final authorisation is not just a milestone, but a responsibility we take seriously. It speaks to the strength of the governance practices and operational frameworks we’ve put in place over the years. As we move ahead, our focus remains on scaling digital payments in a way that is sustainable, responsible, and aligned with the evolving expectations of the ecosystem.”
Sandeep Indurkar, CEO of Resilient Payments said, “Resilient Payments will carry its online business under brand name ‘BharatPe X’. This sets the stage for us to accelerate our plans to build a scalable, merchant-first payments platform. We’re looking to broaden our footprint across high-potential markets, enhance our product suite, and bring more innovation to how businesses accept and manage digital payments. The focus now is on execution—building with intent, speed, and reliability.”
BharatPe offers a 360-degree service suite that seamlessly integrates payments, credit, and investment solutions. With a strong foundation in offline payments and a merchant network spanning over 1.3 crore across 450+ cities, BharatPe is well-positioned to bridge the gap between online and offline commerce. The group processes more than 450 million UPI transactions monthly and handles a Transaction Processed Value of over ₹1.7 lakh crore annually.
Beyond payments, BharatPe has built a full-stack fintech platform integrating credit, investments, and point-of-sale solutions. It has facilitated loans exceeding ₹18,000 crore through its lending arm and recently expanded into secured lending products, including loans against property and mutual funds.
Backed by marquee investors like Peak XV Partners, Ribbit Capital, Tiger Global, and Dragoneer Investment Group, BharatPe has raised over $583 million to date.
