Roopya

What Is Roopya?

Roopya is an embedded finance platform designed for physical retailers that want to offer financing at checkout. Its EMI and BNPL solutions let customers choose flexible payment options, while real-time credit decisioning and automated workflows help process applications and provide instant approvals. The platform integrates with existing POS systems and routes applications to suitable lending partners based on customer profiles.

What Is Roopya Best For?

What sets Roopya apart is its purpose-built infrastructure for physical POS environments. The platform connects lending capabilities directly with existing POS systems, allowing retailers to add financing to established checkout workflows. This can simplify implementation while giving merchants a more consistent way to offer financing at the point of sale.

How Much Does Roopya Cost?

Roopya pricing starts ₹100/loan processed for the Professional plan. It also offers an Enterprise plan starting at ₹135/loan processed.

The following are some additional costs to consider:

• Setup Fee: ₹10,00,000/one-time setup cost (approx. $11,765)
• Per Loan: ₹100 for each loan processed on the platform (approx. $1.18)
• API Calls: Billed based on actual usage

Disclaimer: The pricing is subject to change.

Roopya Integrations

The vendor has not listed any available third-party integrations for this software.

How Does Roopya Work?

Here is how you can get started with Roopya and manage lending operations from a centralized platform:

• Log in to access the centralized dashboard and view key lending activities
• Navigate through the platform to access origination, underwriting, collections, analytics, and reporting modules
• Configure loan products and business rules based on your lending requirements
• Review loan applications and track their progress through the origination pipeline
• Assign lending tasks and workflows to relevant team members
• Monitor customer applications, credit decisions, disbursements, and collection activities from the relevant dashboards
• Analyze lending performance, risk indicators, and operational data using built-in reports and analytics, then watch the demo to explore the platform

Who Is Roopya For?

Roopya software is suitable for businesses and organizations involved in retail financing, including:

• Physical retailers
• Retail POS businesses
• Financial institutions
• Lending partners
• Fintech companies
• Digital lenders

Roopya Use Cases

Based on our analysis of Roopya's capabilities, we have identified key scenarios where the platform is commonly used:

1. Adding BNPL To Existing POS Systems
A customer purchasing an expensive product may hesitate when the full price is due at checkout. Instant EMI Launch lets the merchant present installment options directly through the point-of-sale system. Customers can select EMI during the purchase, helping staff complete the transaction without introducing a separate financing workflow.

2. Introducing BNPL Without Replacing The POS
Existing checkout systems may not support Buy Now Pay Later, leaving merchants dependent on separate financing processes. BNPL Integration connects Roopya with existing POS systems and supports real-time credit decisioning, automated approval workflows, and instant disbursement. This allows financing to become part of the established checkout process.

3. Speeding Up Financing Decisions At Checkout
Long approval times can interrupt purchases when customers need financing before completing a transaction. Real-Time Processing evaluates applications and provides loan decisions and disbursements in real time. Point-of-sale staff can therefore process financed purchases without waiting through a lengthy manual approval cycle.

4. Deploying Financing Across Multiple Stores
A retail chain with several physical locations may need to introduce EMI or BNPL without creating separate technical setups for every store. Flexible Integration provides APIs, pre-built integrations, and documentation for connecting financing solutions across multiple POS locations. This allows the same embedded finance infrastructure to support different stores while working with their existing systems.

Is Roopya Right For You?

Roopya may suit retailers and financial institutions looking to offer financing at physical checkout without building lending infrastructure in-house. Its EMI, BNPL, real-time decisioning, multi-lender capabilities, risk management, API integrations, and 24/7 technical and operational support can support embedded-finance use cases across retail environments.

Roopya also emphasizes RBI-focused compliance and security measures, including end-to-end encryption, secure data handling, and audit trails.

Still not sure if the software is right for you? Contact our customer support team at (661) 384-7070, who will help you make the best decision regarding Roopya features and more.