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Offers up to 30-day repayment, Pay in 3 and EMI options seamlessly embedded at checkout
Designed for both everyday purchases and higher-value categories across the Flipkart ecosystem
Uses Flipkart Finance’s commerce intelligence with responsible underwriting to expand credit access
Bengaluru, 30 July 2026: Flipkart Group, in partnership with PayU Finance, today announced the launch of Flipkart Pay Later, a new credit offering that gives customers flexible repayment options embedded directly at checkout. The offering is available across Flipkart, Myntra, and Flipkart Minutes, and marks the next step in Flipkart Finance and PayU Finance's efforts to build a digital credit infrastructure designed around how India shops.
Flipkart Pay Later gives customers three repayment options: Pay Later, offering upto 30 days for everyday purchases, a Pay in 3 option that splits the cost across three payments, and EMI plans ranging from 3 to 12 months for higher-value categories including mobiles, electronics, appliances, and furniture. The offering is suited for high-frequency, lower-value transactions across Flipkart Minutes, fashion, home, beauty, and general merchandise, as well as larger purchases where structured repayment makes access easier.
To power Flipkart Pay Later, Flipkart Finance has kick-started the programme with PayU Finance, the NBFC arm of PayU, as its first lending partner, with additional financial institution partnerships planned as the programme scales. PayU Finance serves as the licensed lender while Flipkart Finance manages customer relationships and credit intelligence, combining commerce data with lending expertise to enable faster and more accurate credit decisions.
Vishal Ahuja, Executive Director, Flipkart Finance, said, "Affordability remains the core driver of how millions in India engage with digital commerce. For these consumers, aspiration has never been a constraint, access has. As pioneers of easy financing, with Flipkart Pay Later, we are putting a decade of commerce signals to work, building an underwriting model that sees these customers clearly and extends them credit at the moment it matters the most. This is not a payment feature. It is an important step in building a financial services capability that we believe will fundamentally change who gets to participate in India's digital economy."
Deepak Mendiratta, CEO, PayU Finance, said, "As digital commerce continues to evolve, the need for responsible and accessible credit has never been greater. Through our partnership with Flipkart Finance, we are combining technology, data-driven underwriting, and strong risk management to deliver seamless credit experiences at scale. Flipkart Pay Later is another step towards expanding financial inclusion while powering the next phase of India's digital commerce growth."
The credit decisions behind Flipkart Pay Later are built on Flipkart Finance's commerce intelligence, transaction history, purchase patterns, and platform behaviour combined with PayU Finance’s lending and risk management capabilities from its financial institution partners. Customer exposure is assessed using multiple data sources, ensuring credit is extended responsibly and without over-leveraging.
The Flipkart Group is one of India’s leading digital commerce entities with a strong technology-first foundation and includes group companies Flipkart, Myntra, Flipkart Wholesale, Cleartrip, and super.money. Established in 2007, Flipkart has enabled millions of sellers, merchants, and small businesses to participate in India's digital commerce revolution. With a registered user base of more than 500 million, Flipkart’s marketplace offers over 150 million products across 80+ categories. Today, there are over 1.4 million sellers on the platform, including Shopsy sellers. With a focus on empowering and delighting every Indian by delivering value through technology and innovation, Flipkart has pioneered services such as Cash on Delivery, No Cost EMI, Easy Returns, and UPI payments. Beyond shopping, Flipkart continues to create jobs, empower entrepreneurs, and strengthen India’s digital economy.
For media queries, please write to: media@flipkart.com
PayU, is India’s leading diversified fintech platform with Prosus as an investor, operates businesses that are regulated by the Reserve Bank of India and offers advanced solutions to meet the digital payment requirements of the Indian market. PayU companies aim to create a full-stack digital financial services platform to serve all financial needs of customers (e-commerce brands, banks and consumers) through technology solutions.
PayU provide payment gateway solutions to online businesses through its cutting-edge technology and has empowered 4.5 lakhs+ businesses, including India’s leading enterprises, e-commerce giants, and SMBs. It enables businesses to collect digital payments across 100+ online payment methods such as Credit Cards, Debit Cards, Net Banking, EMIs, pay-later, QR, UPI, Wallets, and more. It’s a preferred partner in the affordability ecosystem, offering the maximum coverage of issuers and easy-to-implement integrations across card-based EMIs, pay-later options and new-age cardless EMIs. PayU offers e-commerce brands best-in-industry success rates while ensuring a seamless checkout experience.
PayU’s through its PayTech division, Wibmo provides market leading authentication and risk TSP services to leading banks in India and 30+ countries and through its NBFC, PayU Finance, it empowers 3.5 lakh+ merchants and 6 million consumers offering innovative and flexible credit solutions. Recently, PayU has acquired 70% stake in Mindgate Solutions, a pioneer in real-time payments technology, to expand and bring UPI solutions into its portfolio of offerings for India and broader Asia Pacific and MENA regions.
