BharatX

BharatX, legally known as Flikpay Technologies Private Limited, is an Indian financial technology company focused on providing embedded credit solutions. Their primary offering is a "Credit-as-a-Feature" platform that allows brands and merchants to integrate white-labeled Buy Now, Pay Later (BNPL) and other credit options directly into their websites and apps. Founded by students from NIT Trichy, the company's mission is to make credit more accessible to India's middle class by transforming everyday apps into credit providers, thereby eliminating the need for separate credit apps or extensive paperwork for the end-user.