Fintech payments

BharatX

Website
Founded 2021Origin source ↗Checked 2026-09-15

Overview

BharatX was recently acquired by Flipkart, the largest startup in India, to enable Buy Now Pay Later in their own ecosystem as well as bolster their own FinTech play via Super.money. It powers Checkout Financing in their ecosystem currently on Millions of Users.

BharatX enabled "Pay in 3" and "Pay in X" parts as a feature on over 1000+ brands, 300+ directly and the rest via Payment Gateway partners. Our product enabled Buy Now Pay Later, in a white-labelled way. For e.g. Flipkart PayLater on Flipkart. We grew 47X to $2.5M ARR in under 6 quarters straight after fumbling for 2 years around PMF and Credit Risk & Fraud.

We started out as a platform to provide access to Credit in Developing countries without relying on traditional documentation processes by Banks, which did not give access to hundreds of millions.Over the course of BharatX, we have credit to hundreds of thousands of consumers, including many New to Credit (NTC) users.

Company description As recorded 2026-11-08
LinkedIn GitHub
Fintech paymentsAPI platformBusinessesEnterpriseTransaction fee

Founders & team

Mehul Jindal

Founder/CEO

Started BharatX @ 19 enabling 500+ Millions of Indians to access Credit without any Credit Score, Documentation or paying high interests (in majority cases it was Zero APR). Scaled 47X from $50K to $2.5M ARR in under 18 months, with less than 15 people, becoming cashflow +ve, disbursing $100K+ daily. Got Killed by Regulations in an hour, Sold the Tech & Biz to Flipkart - India's largest Startup, powering their Checkout Financing Stack & their Fintech Arm's BNPL biz. Building again.

LinkedIn X
Founder profile As recorded 2026-09-15

Shyam Murugan

Founder

1. LoL 2. Anime 3. Development That's how I would describe myself. The ordering may or may not be important :D

LinkedIn X
Founder profile As recorded 2026-09-15
14team members reported
Source-reported As recorded 2026-09-15

Founded 2021 · Source

News & product activity

Sources & observations

Y Combinator

Profile depthenriched profile
Website observationwebsite reachable
Last website check2026-11-11
Location · source statedBengaluru, KA, India
Pricing evidenceA pricing page was detected
Maturity: Not assessed · 4 of 6 areas documented

Source-based assessment · automated evidence rules

The source reports an inactive or acquired company; current product identity needs review.

Maturity is an evidence-based assessment, not a success rating. It may understate the current stage where evidence is limited. Coverage records documented areas, not a complete or independently audited company history.

Stage definitions
independent websitesource corroborationreachable websitedescriptive evidenceclassified market and modelsourced peoplesourced founding yearpricing page observed
startup.observe Directory coverage · Sources & method