Live credit orchestration for Indian checkouts

One EMI button.
A panel of regulated lenders behind it.

FlexiKash sits between your checkout and RBI-regulated banks and NBFCs. When a single lender would decline, we check the whole panel in parallel and surface the best approved offer — in under a second.

See the aggregator integration Join the lender panel

Integration takes one sprint: a session API, signed webhooks, and a return URL.

682 msRouting decision across the lender panel
5 lendersChecked in parallel on a single customer consent
Under 1 minuteCart to signed loan kit for a returning customer

From cart to disbursed in one journey

A customer who taps EMI never leaves the flow. Each step below is one screen.

Verify

Mobile OTP and a clear, revocable data-sharing consent. No app download, no forms.

Match

Parallel eligibility across the lender panel, including cash-flow underwriting via Account Aggregator for customers without a bureau history.

Sign

Key Fact Statement for every offer, then Aadhaar eSign and eNACH mandate — the full loan kit, digitally executed.

Settle

The lender disburses to the payment gateway's escrow account; the merchant is settled on the gateway's existing rails. Refunds flow back through the same session.

For payment aggregators: declines turned into completed orders

The first integration is deliberately small — one server-to-server call, one webhook receiver, a return URL. An embedded SDK follows once volume justifies it.

Integration

A session API and signed webhooks

  • Create a session with the cart; receive a redirect URL for the customer
  • HMAC-signed events at every milestone — offered, executed, disbursed, completed
  • One refund API against the same session; daily settlement feed with lender, UTR and your share
  • Fail-safe by design: if we're down, the option simply doesn't render — cards and UPI untouched

Economics

Revenue share without credit risk

  • A share of platform revenue on every routed credit transaction
  • No credit exposure, no lending licence needed — funds land in your escrow and settle on your existing rails
  • Panel approval where a single lender declines — more completed carts on the same traffic
  • Merchant credit activation run as a workflow by us, not a queue for your team
Request the integration spec

For banks and NBFCs: distribution without surrendering the relationship

Your credit, your decision, your book. A lender aggregator can front the same contract for multiple institutions.

Underwriting data

Consented cash-flow evidence for your risk team

  • Account Aggregator features — income regularity, obligations, balance behaviour — from consented bank data
  • Versioned, frozen feature definitions your model-validation team can review line by line
  • Consent artefact identifiers on every payload; direct AA-to-lender routing if you prefer raw statements
  • Thin-file and self-employed segments a pre-approved base structurally misses

Control

You keep the decision and the customer

  • The credit decision is never delegated: our platform routes, you decide
  • Your name in front of the borrower on every offer, KFS and agreement
  • Grievance intake with your nodal officer's details; artefact packs for CIMS and audit
  • Standing LSP due-diligence dossier: policies, security posture, audit and inspection rights
Request the lender pack

Infrastructure, not an app

FlexiKash never lends from its own balance sheet and never holds loan funds. We build the rails; regulated lenders run the credit.

India-resident by design

All data stored in Indian regions. Purpose-limited, revocable consent under the DPDP Act, logged per session.

Impartial by construction

Offers ranked by one disclosed metric — lowest APR. Unmatched lenders shown. No steering, no dark patterns.

Auditable end to end

Every state change, disclosure, signature and disbursement is an immutable record your compliance team can pull.

Directions obligations, as platform behaviour

FlexiKash operates as a Lending Service Provider under the RBI Digital Lending Directions, 2025. Each requirement below is a system control with an audit trail, not a policy document.

Impartial display

Ranked by one publicly disclosed metric — lowest APR. Every polled lender appears, matched or not, and the record of what was shown is archived per session.

Key Fact Statement

A standardised KFS for every offer, a comparative menu when there is more than one, display timestamps and rendered artefacts stored for the lender's audit.

Digital execution

The loan kit is signed through a licensed eSign provider under the IT Act — not click-wrap acceptance — with document hashes delivered to the lender.

Cooling-off

An in-journey exit path within the lender's cooling-off window, with pro-rata settlement computed and disclosed.

Grievance redressal

In-product intake carrying the lender's nodal officer details, tracked against the thirty-day window with escalation to the RBI complaint system.

Security assurance

TLS everywhere, signed requests and webhooks, encrypted personal data, immutable access logs. Certifications — ISO 27001, SOC 2, CERT-In VAPT before first production traffic — are a published roadmap, not badges displayed early.

Bring multi-lender EMI to your checkout.

Prefer a direct channel? We answer fast on WhatsApp, and email works too.

WhatsApp +91 98201 90584
Email: info@flexikash.com
Call: +91 98201 90584