Why Xivora works for you
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Instant Credit at Checkout
Access credit instantly at any UPI QR without cards or approvals delays.
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No Setup. No Hardware
Works on existing QR infrastructure. No POS, no integration required.
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Flexible Repayment
Repay within 30 days with zero friction and full control.
100%
NBFC-regulated credit
Designed for real-time credit. Built your credit.
Real-Time Credit Decisions
Instant underwriting using bureau and alternate data at the moment of payment.
Works on Every UPI QR
Network-agnostic infrastructure that enables credit across millions of QR endpoints.
NBFC-Grade Compliance
Fully regulated architecture with secure fund flows and consent-driven data access.
Credit when you need it most
Use Xivora at checkout, online or offline, without changing how you pay.
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Pay Anywhere with Credit
Enjoy a friendly user experience and navigate the
application intuitively to carry out your transactions with ease. -
No Cards. No Hassle
No applications, no paperwork. Just scan, pay, and continue.
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Stay in Control
Repay within 30 to 45 days with complete visibility and flexibility.
Start using credit at every payment
Pay instantly using credit at any UPI QR. No cards. No waiting.
Frequently Asked Questions
Everything you need to know about using Xivora
Xivora is a credit wallet that lets you pay using credit at any UPI QR without needing a card or new hardware.
You can use Xivora at any merchant that accepts UPI payments across India.
Xivora uses real-time underwriting based on bureau and alternate data to approve credit instantly at checkout.
No. Xivora works independently and does not require a credit card.
You can repay within 30 days after your transaction through a simple and flexible process.
Yes. Xivora operates on an NBFC-led model with secure fund flows and compliance with digital lending regulations.
No. Merchants can accept Xivora payments using their existing UPI QR without any integration.
Merchants can choose flexible settlement cycles, ranging from next-day to extended options.
Anyone eligible for credit can use Xivora for everyday payments at supported merchants.
Sign up, complete a quick verification, and start using credit instantly at checkout.