BuyNswipe
BuyNswipe is an Indian fintech SaaS startup offering an AI-powered credit marketplace, cloud-based POS systems, and payment gateway, serving SMB merchants and individual loan applicants across India, and is currently being offered for strategic acquisition.
- Company typePrivate
- Founded2017
- HeadquartersNoida, India
- Headcount1–10
- GTM typeB2B and B2C
- OfferingSoftware
What BuyNswipe does
BuyNswipe Technology Pvt. Ltd., founded in 2017 by Ratnesh Choubey and headquartered in Noida, India, operates as a fintech SaaS platform combining three product lines: a credit marketplace aggregating personal loans, business loans, credit cards, BNPL, and home loans from 50+ bank and NBFC partners; cloud-based POS systems for retail and restaurant merchants; and a payment gateway for e-commerce. The company claims to match users with lenders using an AI-powered eligibility engine and to serve merchants with multi-location inventory and analytics dashboards. The underlying platform is API-first, offering REST APIs, webhooks, and SDKs in six programming languages, and integrates with NPCI payment rails (UPI, AEPS), BBPS for utility bill payments, and standard card networks. The company is registered under Startup India (DPIIT) and claims PCI-DSS Level 1, ISO 27001, SOC 2 Type II, and GDPR compliance, though these certifications sit alongside a stated 1-10 person headcount.
Revenue is structured across five streams: transaction processing fees (1.8%+₹5 credit card, 0.9%+₹5 debit card, 0.9% UPI), SaaS subscriptions (₹2,999-₹7,999/month POS tiers plus ₹999-₹4,999/month support tiers), loan origination referral fees (1.2%-2.5%), hardware sales (₹5,000-₹15,000 per POS terminal), and prospective co-branded card issuance (not yet operational). Distribution is hybrid: self-serve digital platform for credit marketplace consumers, direct sales for enterprise POS, merchant aggregator/reseller channel for POS deployment, and API/developer ecosystem for embedded finance integrations. The company reports active operations and a customer-facing footprint (case studies, testimonials, social media) but discloses no audited revenue, ARR, or GMV figures. Following a ₹17 Lakh seed round in November 2024 and a December 2024 POS launch, founder Ratnesh Choubey listed the entity for strategic acquisition at an asking price of ₹1.6 Crore, positioning the sale toward fintech/SaaS entrepreneurs, ERP builders, and brand investors seeking an incorporated, trademarked, DPIIT-recognized fintech entity with established digital assets.
BuyNswipe firmographics
Firmographics- Name
- BuyNswipe
- Legal name
- BuyNswipe Technology Pvt. Ltd.
- Website
- https://buynswipe.com
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- BuyNswipe is an Indian fintech SaaS startup offering an AI-powered credit marketplace, cloud-based POS systems, and payment gateway, serving SMB merchants and individual loan applicants across India, and is currently being offered for strategic acquisition.
- Ownership category
- akta.pro rank
BuyNswipe industry classification
Industry- Product category
- Financial Technology / Digital Lending & Payments
- NAICS
- Activities Related to Credit Intermediation (5223), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- Marketplace & Loan Aggregation Platforms (Borrower-Lender Matching) (FSAGAHAL)
- akta.pro secondary industries
- POS, SoftPOS & In-Person Acceptance Infrastructure (FSAGABAO), Cross-Border FX, Multi-Currency & Treasury for Payments (FSAGABAK), Account Aggregation & Connectivity (Multi-bank linking) (FSAGACAA)
Keywords
Where BuyNswipe is headquartered
LocationHeadquarters
- HQ city
- Noida
- HQ country
- India
- HQ region
- Asia
Offices1 record
Markets served
BuyNswipe business model
Business model- GTM type
- B2B and B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Infrastructure, Operations, Marketing or Sales
Revenue model
- Transaction Processing Fees: POS and card processing revenue from merchants. Credit card 1.8%+₹5, debit card 0.9%+₹5, UPI 0.9% MDR. Potential ₹2-5 Cr/year at scale.
- SaaS Subscription Revenue: Monthly recurring revenue from POS subscription tiers: Starter ₹2,999/mo (1 terminal), Professional ₹7,999/mo (3 terminals), Enterprise custom. Additional revenue from support tier upgrades (Priority ₹999/mo, Premium ₹4,999/mo).
- Credit Marketplace / Referral Fees: Origination fees from loan products (1.2%-2.5% on personal loans based on amount and credit score). Credit card applications generate revenue from card issuer partnerships. BNPL marketplace referral revenue. Compare 50+ bank partners.
- Hardware Sales: Revenue from POS hardware terminals including Mobile POS (₹5,000), Traditional POS (₹15,000). Part of future revenue diversification plan alongside SaaS subscriptions.
- Co-branded Card Programs: Future revenue stream from co-branded credit and prepaid card issuance. Revenue per card from interchange (₹50-150/txn), annual fees (₹500-5,000), partner commission (2-5% of spend). Potential ₹3-8 Cr/year per 10K cards.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Starter - Single-location businesses with basic POS features |
| Subscription | Monthly | Professional - Growing businesses with advanced POS features |
| Subscription | Multi-year contract | Enterprise - Large-scale operations with full integration |
| Transaction based/ take rate | Pay-as-you-go | Payment Processing Rates |
| Outcome Based/ Performance | Pay-as-you-go | Credit Marketplace - Personal Loans |
| Subscription | Monthly | Standard Support |
| Subscription | Monthly | Priority Support |
| Subscription | Monthly | Premium Support |
| Unit Pricing | Pay-as-you-go | Mobile POS Hardware |
| Unit Pricing | Pay-as-you-go | Traditional POS Hardware |
Go-to-market motion3 records
Distribution channels6 records
Marketing channels7 records
BuyNswipe product offering
Product offeringCore offering
BuyNswipe operates a unified fintech SaaS platform combining three core product lines: (1) an AI-powered credit marketplace enabling instant personal loans, business loans, credit cards, BNPL, and home loans from 50+ RBI-regulated bank and NBFC partners; (2) cloud-based POS solutions tailored for retail (multi-location inventory sync, multi-user access, analytics) and restaurants (table management, kitchen display, order tracking); and (3) an e-commerce payment gateway supporting cards, wallets, UPI, BNPL, AEPS, and subscription billing. The platform also offers BBPS-integrated utility bill payments, money transfer services (UPI/IMPS/NEFT/RTGS), and a developer-facing REST API with multi-language SDKs for embedded finance integration.
Product overview
BuyNswipe operates as a unified fintech SaaS platform combining three core product lines: (1) BuyNswipe Credit — an AI-powered credit marketplace enabling instant personal loans, business loans, credit cards, and BNPL from 50+ bank and NBFC partners; (2) BuyNswipe POS — industry-specific point-of-sale solutions for retail (with inventory sync and multi-location management) and restaurants (with table management and kitchen display); and (3) E-commerce Payment Gateway — online payment processing with fraud protection and subscription billing. The platform is anchored by digital payment infrastructure including AEPS (cardless transactions via Aadhaar), BBPS (utility bill payments), and comprehensive money transfer services (UPI, IMPS, NEFT, RTGS). Financial tools including free CIBIL score checking, EMI calculators, and AI-powered loan eligibility matching complement the core lending marketplace. All solutions are offered through a public REST API enabling third-party integration, with SDKs available in Node.js, Python, Java, PHP, Go, and Ruby.
Differentiator
Problem solved
Functional benefit
Products and services
- BuyNswipe Credit (Credit Marketplace) AI-powered digital credit marketplace enabling instant personal loans, business loans, credit cards, BNPL, and home loans from 50+ RBI-regulated bank and NBFC partners. Matches 1 Crore+ users with 2-minute approval probability prediction.
- Retail POS System Cloud-based POS for retail stores featuring inventory management, multi-location dashboard, staff access control, real-time sales analytics, barcode scanning, and PCI-DSS compliant payment processing.
- Restaurant POS System POS with table management, kitchen display system, menu management, order tracking, integrated payments, and staff performance analytics for dine-in, delivery, and takeout operations.
- E-commerce Payment Gateway Online payment gateway accepting all major cards, wallets, UPI, BNPL, and EMI. Features order management, subscription billing, fraud protection, instant settlement, multi-currency support, and PCI-DSS Level 1 compliance.
- POS Terminals (Hardware)
- AEPS (Aadhaar Enabled Payment System)
- Bill Payment (BBPS)
- Money Transfer / Remittance
Quantifiable outcome
- Restaurant transaction volume growth of 45% within 6 months of POS deployment
- +8 more outcomes
Companies that use BuyNswipe
Customer profileNamed customers6 records
Segments5 records
Ideal customer profiles4 records
BuyNswipe technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
AI capability4 records
Feature6 records
BuyNswipe partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core.
- Simpl, LazyPay, ZestMoney, Amazon Pay Later, Paytm Postpaid, Flipkart Pay LatercoreBNPL marketplace partnerships offering buy now pay later options at 10,000+ merchants with 0% interest options, instant approval, and no credit card requirement. Multiple BNPL providers integrated for comparison.
- Integration Partners (Developer Ecosystem)coreAPI-first platform partnerships with third-party developers building on BuyNswipe infrastructure. REST API, webhook support, and sandbox environment. Revenue opportunity for integrators building fintech applications.
- Merchant AggregatorscoreReseller and distributor partnerships for POS deployment and merchant acquisition. Competitive margins, marketing support, and training resources provided to aggregators.
- NPCI (National Payments Corporation of India)coreNPCI-supported infrastructure for AEPS (Aadhaar Enabled Payment System), UPI, IMPS, NEFT, RTGS payment processing enabling cardless transactions and real-time fund transfers.
Scale indicators8 records
Recent moves6 records
Expansion highlights6 records
BuyNswipe competitors and assessment
Company assessmentBroad incumbents
- PolicyBazaar (PB Fintech): India's largest financial product aggregator covering insurance, loans, and credit cards. Comparable to BuyNswipe's aggregator model but at vastly larger scale with public-market listing and parent ownership of Paisabazaar.
- PhonePe: India's largest UPI-based digital payments platform also offering POS terminals, payment gateway, and merchant lending. Comparable to BuyNswipe's UPI, AEPS, POS, and merchant credit offerings but at vastly greater scale and with deep NPCI/UPI integration.
- Razorpay: India's leading payment gateway and POS provider offering online payment processing, POS terminals, and developer APIs. Directly comparable to BuyNswipe's e-commerce payment gateway and POS offerings but at substantially larger scale.
- Pine Labs: Enterprise POS and payment solutions provider for retail and restaurants in India, now part of Mastercard. Comparable to BuyNswipe's retail and restaurant POS products, particularly the multi-location unified dashboard capabilities.
- Paytm (One97 Communications): India's leading digital payments and financial services platform offering UPI, POS, payment gateway, consumer credit (Paytm Postpaid), and bill payments. Comparable to BuyNswipe's full-stack fintech offering with overlap across payments, POS, BNPL, and bill payments.
Direct peers
- CreditMantri: Credit score and loan eligibility platform with CIBIL score checking and lender matching across banks and NBFCs. Comparable to BuyNswipe's credit marketplace plus CIBIL score check product with similar AI-driven eligibility matching.
- BankBazaar: Online financial product comparison platform offering credit cards, loans, and insurance products from multiple banks and NBFCs. Comparable to BuyNswipe as a multi-product aggregator with similar bank partnership network and consumer-facing comparison tools.
- Cred: Premium credit card aggregator and bill payment platform in India with strong brand among high-credit-score consumers. Comparable to BuyNswipe's credit card marketplace and bill payment (BBPS) functionality, serving overlapping consumer segments.
- Paisabazaar: India's largest online credit marketplace comparing personal loans, business loans, credit cards, and home loans from 50+ bank partners. Directly comparable to BuyNswipe's credit marketplace model with similar borrower-lender matching functionality and bank partner breadth.
- Mswipe: Indian POS terminal and merchant payment solutions provider offering mPOS, traditional POS, and payment processing for SMBs. Comparable to BuyNswipe's POS hardware and payment processing model targeting similar restaurant and retail merchant segments.
Market position
Strengths1 record
Weaknesses1 record
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
BuyNswipe social profiles
Digital presenceBuyNswipe compliance and trust
Trust signalCompliance5 records
BuyNswipe financial estimates
Financial estimateRevenue estimate
Valuation estimate
BuyNswipe leadership team
Management profileNumber of profiles
Profiles1 record
BuyNswipe funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
BuyNswipe M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about BuyNswipe
What does BuyNswipe do?
BuyNswipe operates a unified fintech SaaS platform combining three core product lines: (1) an AI-powered credit marketplace enabling instant personal loans, business loans, credit cards, BNPL, and home loans from 50+ RBI-regulated bank and NBFC partners; (2) cloud-based POS solutions tailored for retail (multi-location inventory sync, multi-user access, analytics) and restaurants (table management, kitchen display, order tracking); and (3) an e-commerce payment gateway supporting cards, wallets, UPI, BNPL, AEPS, and subscription billing. The platform also offers BBPS-integrated utility bill payments, money transfer services (UPI/IMPS/NEFT/RTGS), and a developer-facing REST API with multi-language SDKs for embedded finance integration.
Is BuyNswipe a public or private company?
BuyNswipe is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was BuyNswipe founded?
BuyNswipe was founded in 2017. It employs 1 to 10 people.
Where is BuyNswipe based?
BuyNswipe is headquartered in Noida, India, in the Asia region.
How does BuyNswipe make money?
Five revenue lines are on record. Transaction Processing Fees are the primary driver. The others are saaS Subscription Revenue, credit Marketplace / Referral Fees, hardware Sales and co-branded Card Programs.
Who are BuyNswipe's main competitors?
Broad incumbents on record are PolicyBazaar (PB Fintech), PhonePe, Razorpay, Pine Labs and Paytm (One97 Communications). Direct peers are CreditMantri, BankBazaar, Cred, Paisabazaar and Mswipe.
Does BuyNswipe have an API?
Yes. Full-featured REST API for all BuyNswipe services including payments, orders, inventory, loans, customers, and webhooks. Supports API Key and OAuth 2.0 authentication. Available SDKs in Node.js, Python, Java, PHP, Go, and Ruby. Sandbox environment available for testing. Developer documentation is at www.buynswipe.com/api-docs.
What industry is BuyNswipe in?
BuyNswipe's product category is Financial Technology / Digital Lending & Payments. Its primary akta.pro industry code is FSAGAHAL, Marketplace & Loan Aggregation Platforms (Borrower-Lender Matching), with a secondary code of FSAGABAO, POS, SoftPOS & In-Person Acceptance Infrastructure. Its NAICS code is 5223 and its SIC code is 6141.