BharatPe, a prominent financial services company in India, has launched 'BharatPe Flex', a Credit-on-UPI solution developed in partnership with YES BANK. This innovative product allows users to make UPI payments while accessing a credit line, enhancing their payment flexibility. BharatPe Flex is designed for everyday transactions, including bill payments, shopping, and travel, integrating seamlessly into existing UPI ecosystems without requiring users to change their payment habits. Customers can repay their credit within a 45-day interest-free period or convert their expenses into easy EMIs. The onboarding process is fully digital, enabling approvals in as little as three minutes for eligible users. Nalin Negi, CEO of BharatPe, emphasized that this launch reflects the evolving needs of consumers seeking greater control over their finances. The product also features expense tracking and rewards for eligible payments, making it a comprehensive solution for managing daily cash flows.