BharatX Partners Snitch for BNPL Services

The partnership allowed Indian clothing brand Snitch to enable the white-label BNPL option provided by BharatX on its checkout page


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Online men’s clothing brand Snitch partnered with India-based fintech BharatX to offer its customers a flexible checkout option called SnitchPay, which includes a BNPL payment feature.

From now on, Snitch clients will have the possibility to pay for their orders and purchases in three instalments, without extra added costs or fees. The Pay-in-3 feature is available via a Shopify plug-in. Initially, the customers pay one-third of the total billing amount, while the rest of the purchase price can be paid within the next 2 months.

All the communication between the customer and the company will happen via Whatsapp, while transactions will be carried out using a secure and efficient gateway. Therefore, the users won’t need to utilise any third-party apps or websites, making purchases in a convenient way.

BNPL solutions are getting increasingly popular in the APAC region, estimated to account for 4.1% of all e-commerce payments value by 2026.

BharatX provides white-labelled embedded credit solutions to D2C and fintech companies. The fintech startup was founded in 2020 and has previously cooperated with the providers of food delivery and payment apps, and ride-hailing apps.

The list of BharatX’s credit-as-a-feature services includes Khata, Try and Buy, Pay-in-3, Pay Later, and Postpaid solutions. All the products can be enabled on mobile applications, making e-commerce accessible to customers everywhere and at any time.

The company also offers a customised service ‘Design your own credit product (DYOC)’ for those business customers who don’t find a ready-made solution suitable for their needs. They can build a unique credit product using the fintech’s No-Code Platform, while BharatX will power the risk & capital aspect.

Nina Bobro

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Nina is passionate about financial technologies and environmental issues, reporting on the industry news and the most exciting projects that build their offerings around the intersection of fintech and sustainability.