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Revolutionise Credit Offerings with CARD91’s Credit Line Management System

Launch Credit Line on UPI at industry-best speed.

Offer Credit with the ease and speed of UPI

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1 Instant Access To Credit
1 Grant your customers swift access to credit through pre-sanctioned credit lines.
2 Wider Acceptance via UPI
2 Scan & Pay or checkout online at over 70 million merchants via UPI.
3 Flexible Repayment Options
3 Offer the convenience of flexible repayments like interest-free, interest-bearing, revolving balance or conversion to EMI.
4 Offer Purpose-based Credit
4 Ensure that credit usage happens for an intended purpose like Travel or Consumer Durable spends.
NIMBUS is an all-in-one solution to take Credit Line on UPI live for your customers

Key Characteristics

Highly Configurable

CARD91's highly configurable CLMS platform enables issuers to design and customise credit schemes, supporting various product types including interest-free, interest-bearing, fixed-term loans, and revolving credit to cater to diverse target segments.

Modular Design

Our modular framework empowers issuers to effortlessly customise, expand, and integrate features, ensuring a solution that can evolve with your dynamic business requirements.

Regulatorily Compliant

CARD91's CLMS platform is compliant with the regulator's guidelines pertaining to digital lending.

Easily integrate with your banking systems

Allows seamless incorporation of CARD91's CLMS into your existing banking processes. This ensures easy management of credit lines through your issuer portal. Seamless integration of CARD91's SDKs with your mobile app/net banking.

Certified for UPI 2.0

Our UPI switch is certified with NPCI for UPI 2.0 which comes pre-integrated with CARD91's credit line management system or can be offered standalone.

Our Promise

Key Features

Issuer Portal:

Intuitive, easy-to-use issuer portal:
  • To create credit schemes using our highly configurable template setup.
  • To assign manage pre-sanctioned credit lines

CL Lifecycle Management

Our Credit Line Management System enables Credit Line Account Lifecycle Management via APIs for discovery, activation and usage.

Transaction Controls:

You're always in the driver's seat - set or reset MCC-level end-use controls and transaction velocity or value controls as and when you need.

Portfolio Actions:

Manage all your portfolio actions such as Increasing or decreasing credit limits, suspending credit limits, and closing credit limits based on periodic review.

Consent Management:

Record and manage customer consent required to extend credit line or increase credit line as mandated by the RBI’s Digital Lending Guidelines.

Collateral Management:

Offering a secured credit line? We have the provision to capture security reference details or integrate with the bank's existing collateral management system.

EMI Conversion:

Allow your customers to choose the EMI option before or after the transaction on the UPI Third Party Application provider or on the customer portal.

and many more...

Transaction Processing

FRM Module

Recon & Settlement


Portfolio Actions

Collateral Management

Dispute Resolution

Notifications & Alerts

User Access

Delinquency Module

Reporting Module

Customer Support