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- Bajaj Finserv For Business Vs. BharatPe for Business
Bajaj Finserv For Business vs BharatPe for Business Usage & Stats
Bajaj FinServ for Business is the quickest and easiest way to receive payments from your
customers. Accept payments for your business and boost your sales whether you are a merchant,
a small business or a start-up owner, a freelancer, a retail manager, or a delivery service provider.
The Business Switcher now helps manage both payments and lending in one app. Now it is easier
than ever! Seamlessly switching between profiles and keeping everything under one roof.
Easily set up your merchant account
With the Bajaj Finserv for Business app, set up a business account in a few simple steps to start
receiving money right away. Add multiple stores, employees, and change your account
permissions instantly. The Bajaj FinServ for Business app accepts all forms of digital payments
possible from customers who visit your store like (UPI, Bajaj Pay Wallet, Bajaj EMI Card).
Accept payments instantly with the All-In-One QR code
Accept customer payments through UPI, the Bajaj Pay Wallet, or our EMI card. Tracking your
transactions with the Bajaj Finserv for Business app is both cost-effective and timesaving. Just
print the QR code sticker and place it next to your cash counter or at a prominent location in the
store. This will help you accept payments easily.
Create exclusive offers and promotions for customers
Create offers for your customers and engage with them by offering exclusive benefits such as
free gifts, discounts, cashback and more. You can also track how your offers are performing and
get a graphical performance analysis of the offer for up to 60 days (about 2 months).
Manage transactions and settlements smoothly
Keep track of all your payments in real-time. Every time you get a payment from a consumer,
get notified through SMS and a push notification. Instantly complete transactions, check bank
details, and obtain other relevant information.
Ensure safe and secure payments
Complete setting up your account, quickly download a QR code and receive contactless
payments in an instant. The money is safely transferred to your account within 24 hours.
EMI Finance
Bajaj Finserv for Business provides customers with the unique feature of paying on easy EMIs
with the Bajaj Finserv EMI Network Card. They can pay using this method through the same
QR code.
Access dashboards and detailed reports
Get precise, in-depth information on the go and plan your business effectively. The analytical
dashboard allows you to watch your business performance and understand your consumers'
needs better.
Get voice notifications
Receive real-time speech notifications in multiple languages when a transaction is successfully
completed.
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BharatPe for Business
BharatPe is a payments app that allows merchants to accept payments from any UPI app - PhonePe, PayTM, GooglePe, BHIM, and 150+ others with your BharatPe QR. Additionally, customers can pay through multiple modes like Bank Account, RuPay Credit card and Wallet etc on BharatPe QR.
BharatPe also offers on-demand settlement (settle money to your bank account anytime) and day-end auto settlement.
From the BharatPe app, you can order BharatSwipe card machines to accept all debit and credit cards. This comes with multiple features like a free trial period, monthly rental offer, instant payment settlement, and receipt printing for card and QR transactions.
You can invest your collections to earn up to 12% interest per annum.
Get loans to grow your business
BharatPe provides loans at a very low-interest rate and without any paperwork. It is a 100% online application process, without any security or guarantee. You can repay the loan amount through Easy Daily Installment (EDI).
Repayment Terms:
Repay in Easy Daily Installments (EDI)
Loan Tenure:
2 months (minimum) to 15 months (maximum)
Interest Rate - Annual Percentage Rate (APR): Ranges from 21% - 30%.
APR is communicated on the BharatPe App while taking a loan.
Amount: Rs. 5100 to Rs. 10,00,000
Processing fees: 0% to 2%
An example:
Loan Amount: Rs. 1,00,000
Tenure: 6 months Interest Rate (APR): 24% per year
Repayment Amount: Rs. 1,12,000
Total Interest Payable: Rs. 100,000 x 24%/12*6 (6 months) = Rs. 12,000
Processing Fees (incl. GST): Rs. 2,000
Disbursed Amount: Rs. 100,000 (Loan Amount) -Rs. 2,000 (Processing Fees) = Rs. 98,000 Total Amount Payable: Rs. 1,12,000 (EDI of 722)
Total Cost of the Loan: Interest Amount + Processing Fees = Rs. 12,000 + Rs. 2,000 = Rs. 14,000
NBFC partners: Loans are given in partnership with RBI approved NBFCs - Hindon mercantile limited, LendenClub (Innofin Solutions Private Limited), Arthmate(Mamta Projects Private Limited), Liquiloans (NDX P2P Private Limited) and ABFL ( Aditya Birla Finance Limited). NBFC sanction letter is shown on the app and shared as a notification.
Earn up to 12%
You can earn up to 12% interest on your BharatPe account balance. Your interest is credited to your BharatPe account daily. You can add money or request withdrawal anytime. Your money is invested with RBI-approved NBFC partners.
India's first merchant loyalty club BharatPe Club is India's first merchant loyalty club. You can earn benefits worth Rs. 20,000 such as free cricket merchandise, zero loan processing fees, Rs.1,000 off on BharatSwipe, and Rs. 500 in a BharatPe card.
Permissions
As per the National Payments Corporation of India (NPCI) regulations, it is mandatory to enable SIM binding (Send and Receive SMS) from the user's device to authenticate and authorize UPI payments. We will also need to take permissions like Location and Contacts to build your credit profile to extend loan offers. You can check the privacy policy at - Privacy Policy - BharatPe
Please note that BharatPe is the brand name of the application launched by Resilient Innovations Private Limited. BharatPe is our developer name.
Contact Information: +918882555444 hello@bharatpe.com Home - BharatPe
Head Office: Resilient Innovations Private Limited (BharatPe) Building No. 8 Tower C, 7th Floor, DLF Cybercity, Gurgaon-122002 Haryana, India
RESILIENT INNOVATIONS PRIVATE LIMITED
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January 14, 2026