Who are our merchants?

More than 3 lacs merchants across 100+ business categories have grown their business by transacting using IdeoPay and availing instant loans.

Typical working capital cycle of 7/15 days

60% to 70% localized customer base of repeat customers

30% to 40% payments are accepted through UPI

Capital Finance Manage Payments Manage Spikes Strong Network

IdeoPay Advantage

IdeoPay has helped merchants and small-businesses across the entire business ecosystem through it's cutting-edge technology and tailor-made solutions.

We have created significant impact across communities and individual with our cutting-edge technology and financial solutions.

Digital Payments Offer Credit Stock-up on Credit Capital Finance

Boost business by accepting digital payments

Digital payments positively impact small businesses given consumers’ preference for digital channels, it’s not surprising to see that consumers are more inclined to make a payment through digital channels rather than the traditional payment methods. Further, there’s expense and revenue benefits to accepting digital payments

~ 45% of our merchants boosted their sales after they started to accepting digital payments

Offer credit to customers without impacting cashflow

The small businesses are favoured by the local customers due to the ease of shopping on convenient credit terms. However, offering credit to customers has a negative on the businesses’ cash-flow. As most of them have to pay for their supplies, bills and salaries on time, but need to wait to receive payments from their customers.

~87% of IdeoPay partnered merchants offer credit facility to their customers through IdeoPay BNPL option

Stock-up inventory on credit from distributors

Moving inventory on favourable credit terms from distributors is key criteria for small businesses. Most of these businesses fail to stocking up inventory during festive (peak) seasons while keeping up with Accounts Receivables.

61% of IdeoPay partnered merchants avail a tailor-made IdeoPay limit for purchasing inventories from their distributors

Quick working capital finance

Business loans for small/ micro business are essentially funded by internal cash with no access to banking. The requirement is immediate funding.

IdeoPay offers instant disbursals within 2 minutes for ~94% of merchant base