For merchants

Turn more customer intent into completed purchases

Explore flexible checkout designed around supported UPI merchant flows, with no new payment hardware.

Designed to support more flexible customer checkouts

Xivora is designed to bring eligible credit into supported payment flows, helping customers make informed purchase decisions.

  • Convert intent into completed purchases

    Give customers the flexibility to pay later, reducing drop-offs and improving checkout success rates.

  • Increase average order value

    Enable customers to spend more confidently with access to credit—driving higher ticket sizes without added friction.

  • Designed for familiar workflows

    Connect customers and merchants through a unified credit experience designed around the payment journey.

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The credit layer built for your checkout

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Reduce drop-offs at checkout

Give eligible customers another payment option when affordability influences their purchase decision.

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Support confident purchase decisions

Flexible payment options can help eligible customers complete purchases with greater clarity.

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Simple integration, no disruption

Integrate Xivora into your existing checkout flow without hardware or operational changes.

"At Xivora, every transaction is built for trust—helping merchants grow revenue while ensuring every payment experience is secure, transparent, and reliable."

Team Xivora

  • Reliable payment experience

    Ensure smooth, uninterrupted transactions with a credit layer designed to reduce checkout friction and improve completion rates.

  • Secure transactions, protected data

    Credit access is structured to support sustainable usage—helping merchants build trust with customers while reducing risk.

  • Designed for responsible credit

    User data and transactions are protected with strong security practices across the entire credit lifecycle.

  • Responsible credit usage

    Credit limits and access are designed to promote disciplined usage—helping users stay in control, not overextend.

Start a merchant conversation

Give customers more flexibility at checkout.

Tell us about your business and explore how Xivora could fit into your payment journey.



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