RedGirraffe

What RedGirraffe does

RedGirraffe is a London-headquartered fintech that builds payment-rails infrastructure for recurring rent and B2B commercial card flows, with operating entities in India, the UK, and Singapore. Its flagship product, RentPay, is positioned as the first platform globally enabling residential and commercial monthly rent payments via credit and debit cards, integrated with 40+ Indian banks (including HDFC, ICICI, Axis, SBI, Kotak Mahindra, IndusInd, and Yes Bank) as a registered biller. The company extends this rails layer internationally via PayPulse, a B2B commercial card platform that supports high-value recurring vendor payments across 147+ countries through partnerships with Visa, Mastercard, and Tier 1 PSPs. Underlying technology combines a patent-pending blockchain-backed backend with AI-assisted fraud detection, smart-rules validation, and ERP-grade APIs, and the platform is certified to PCI DSS Level 1, ISO 27001, GDPR, and HIPAA standards.

Name

RedGirraffe

Legal name

RedGirraffe ECommerce (India) Private Limited

Website

https://redgirraffe.com

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

11–50 employees

Short description

RedGirraffe is a London-headquartered fintech operating RentPay, a credit-card rent payment platform integrated with 40+ Indian banks, and PayPulse, a B2B commercial card payment platform spanning 147+ countries, serving tenants, enterprises, banks, and PSPs.

Ownership category

akta.pro rank

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales

Revenue model

1. Transaction/MDR Fees: RedGirraffe charges transaction fees on rent payments: 0.39% subject to minimum Rs 39 per transaction for ICICI, HDFC, Kotak Mahindra, Axis, and IndusInd Bank cards. SBI Cards charges an additional 1.75% plus taxes per transaction. Revenue is earned on every payment processed through the platform.
2. Commercial Card Interchange: Revenue generated from commercial card payments processed through the B2B global payment platform, including interchange fees from corporate card transactions across Visa, MasterCard and other payment networks.
3. Sales Agent Referral Fees: Channel sales agents pay or receive 12% of monthly membership charges for successfully onboarded customers, creating recurring revenue stream for the lifetime of customer association.
4. B2B SaaS Platform Fees: Corporate RentPay ERP Merchant Platform generates revenue from enterprises using the platform for vendor payments, data analytics, and cash flow management services.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels6 records

Core offering

RedGirraffe operates a multi-product fintech platform. In India, its RentPay product enables tenants and businesses to pay rent, home loan EMIs, and society charges via credit/debit cards, UPI, or internet banking. Internationally, its PayPulse platform provides B2B commercial card payment processing for high-value recurring vendor and supplier payments across 147+ countries. The portfolio is augmented by AI-driven SaaS modules (LeaseCore for lease and energy management, ESG Horizon for Scope 3 emissions analysis, and FlowForge for IoT-driven workflow automation) and a Corporate RentPay ERP for large enterprises managing payments to up to 30,000 vendors.

Product overview

RedGirraffe is a multi-platform fintech company operating a unified portfolio of products across consumer and enterprise segments. In India, RentPay serves as the core B2C/B2B merchant and biller platform for rent and EMI payments via credit/debit cards. Internationally, PayPulse (alongside Pay-Pulse Commercial Credit Card) delivers B2B commercial card payment solutions across 147+ countries. The portfolio is augmented by three AI-driven SaaS modules: LeaseCore for lease management and energy optimization, ESG Horizon for Scope 3 emissions mapping, and FlowForge for IoT-driven workflow automation. Enterprise offerings include Corporate RentPay ERP for large-scale vendor payment management and SME Loans for working capital, creating a comprehensive ecosystem spanning consumer payments, enterprise B2B commerce, and AI-powered business intelligence.

Differentiator

Problem solved

Functional benefit

Brands

• RentPay: B2C and B2B merchant/biller platform enabling rent, education fees, and society charges payment via credit cards, debit cards, UPI, and internet banking in India
• PayPulse
• LeaseCore
• ESG Horizon
• FlowForge
• Axis RentPay
• RedGirraffe CASH Points

Products and services

• RentPay India's flagship B2C and B2B Merchant/Biller Platform enabling tenants to pay home rent, office rent, home loan EMIs, and vehicle loan EMIs via credit cards, debit cards, UPI, or internet banking. Provides automated rent receipts, reward points (up to 10% cashback), CIBIL score building, and integrated TDS settlement.
• PayPulse International B2B Commercial Card payment solution operating across the European Union, United Kingdom, United States, Canada, Australia, and New Zealand. Enables businesses to automate vendor payments, enhance operational efficiency, and provide dashboards for vendors, landlords, suppliers, and recipients.
• Corporate RentPay ERP B2B vendor ERP Merchant/Biller Platform for corporations paying annual commercial, industrial, or residential rent between Rs. 20 Lakhs/month to Rs. 20 Crores/month, distributed across 50 to 30,000 landlords/vendors monthly. Provides corporate card credit lines, data analytics-driven rent reduction, and CXO/manager dashboards.
• LeaseCore Intelligent platform that simplifies lease management and optimises energy use, delivering measurable cost reductions and operational efficiency.
• ESG Horizon Pioneering ESG solution offering unparalleled Scope 3 emissions mapping and analysis, enabling organisations to meet their sustainability goals with precision and clarity.
• FlowForge Innovative IoT-driven AI platform that automates workflows, delivering tangible savings and operational excellence.
• SME Loans Working capital loans for SMEs/MSMEs paying commercial rent to distributed landlords, provided via partner bank-issued Commercial Cards or dedicated RentPay Merchant overdraft facilities. RedGirraffe acts as infrastructure partner providing the ERP Merchant/Biller Platform.

Quantifiable outcome

• Up to 10% cash back as RedGirraffe Cash Points on every payment
• +7 more outcomes

Named customers8 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability3 records

Feature7 records

Partnerships

Five partnerships are on record, tiered core and minor.

• 40+ Indian BankscoreChannel Partner/ Reseller/ DistributorForty of the largest banks operating within India have technologically integrated and partnered with RedGirraffe to offer RentPay rent payment services. Banks include Axis Bank, HDFC Bank, ICICI Bank, Yes Bank, IndusInd Bank, Kotak Mahindra Bank, and SBI-GE Cards. Banks register RedGirraffe as a biller on their platforms, enabling customers to pay rent via credit/debit cards.
• Global Payment Networks (Visa, MasterCard)coreTechnology or IntegrationRedGirraffe's PayPulse commercial card platform operates across Visa, MasterCard and other leading global payment networks, enabling high-value recurring B2B payments in 147+ countries.
• Authorized Payment Service Providers (PSPs)coreChannel Partner/ Reseller/ DistributorTier 1 PSPs partner with RedGirraffe to offer secure, scalable commercial card payment solutions to enterprises worldwide. PSPs provide fraud detection, security protocols, and local market expertise.
• ZeroCarbonminorStrategic or Co-development PartnerZeroCarbon is listed as a related company/organization, suggesting potential sustainability-focused partnership or subsidiary relationship.
• Leading Global Consultancy FirmsminorStrategic or Co-development PartnerRedGirraffe works closely with top global consultancy firms to expand RentPay services internationally through global banking integration.

Scale indicators10 records

Recent moves6 records

Expansion highlights6 records

Emerging players

• NoBroker: NoBroker is an Indian real estate platform that has expanded into rent payment services via credit cards, cited alongside RedGirraffe in the resumed RBI-compliant rent-payment ecosystem. It overlaps on the rent-payment merchant/biller category but with a broader real estate marketplace angle.

Broad incumbents

• Paytm: Paytm is a broad Indian digital payments and financial services platform covering consumer payments, merchant acquiring, and lending. It is a broader incumbent that overlaps with RedGirraffe across bill payments, B2B payments, and consumer credit-adjacent products.
• Visa Commercial Solutions: Visa's commercial card and B2B payments division operates the global card network on which RedGirraffe's PayPulse rides. It is a broad incumbent whose commercial-card programs compete with, and partner with, PayPulse for enterprise spend capture.
• Stripe: Stripe is a global payment orchestration and infrastructure provider for internet and enterprise businesses. It represents the international benchmark that PayPulse must compete against as RedGirraffe expands beyond India in B2B recurring payments.
• Adyen: Adyen is a global payment platform serving enterprise merchants across multiple regions and methods. It competes with PayPulse in the cross-border, multi-currency, enterprise commercial-card space for large recurring B2B flows.

Direct peers

• CRED: CRED is an India-based platform that enables credit card bill payments and rewards, with rent payments as a flagship use case. It is the most direct comparator to RedGirraffe's RentPay B2C value proposition and competes head-to-head for card-paying tenants.
• BillDesk (PayU): BillDesk is one of India's largest bill payment and payment aggregation platforms. It overlaps with RedGirraffe on biller integration, recurring payments infrastructure, and bank-issuer relationships, making it a direct comparator in the Indian bill payment stack.
• Razorpay: Razorpay is an Indian payment orchestration and gateway platform serving SMEs and enterprises. It competes with RedGirraffe's PayPulse on B2B payment infrastructure and routing, and overlaps in serving banks and enterprise buyers in India.
• PayZapp (HDFC Bank): PayZapp is HDFC Bank's in-house credit-card payment and rewards app that competes directly with RedGirraffe's RentPay offering. As a bank-owned distribution channel, it represents the structural threat of issuers internalizing rent-payment functionality.

Regional players

• Mswipe: Mswipe is an India-focused merchant acquiring and POS payments platform. It overlaps with RedGirraffe's merchant/biller model on the Indian acquiring side and serves similar SME and enterprise segments with payment acceptance infrastructure.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/Red_Girraffe
• Facebookfacebook.com/TheRedGirraffe
• LinkedInlinkedin.com/company/6653027

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about RedGirraffe