PayOpt is a unique highly customizable, secure, on-demand financing solution that helps consumers to apply for a credit line, and financial institutions to approve and undersign the credit. It is a digital, easy-to-use, convenient and flexible platform that reduces risk through real-time visibility of credit exposure and brings down customer acquisition cost through deeper insight into data and risk profiling.
A payment instrument with credit
An ecosystem comprising of financial institutes, networks, retailers, manufacturers and consumers
Dashboard view for all credit related transactions for every customer
Funding made easy through PayOpt – a digital platform competing with traditional lending/credit system
FinBraine’s PayOpt
On-demand financing + Accessible credit instrument + Entire ecosystem for credit access and spend + Flexible repayment options
Scroll down to know more about how PayOpt makes borrowing and lending easy
Why PayOpt?
PayOpt is the perfect solution for you and your consumers.
Addresses the aspirations of consumers who want to go with digital channels
Offers high convenience, and flexibility in repayment through a web-enabled and mobile-friendly platform
Reduces risk through real-time visibility on their credit exposure
Brings down customer acquisition cost through better data and risk profiling
Offers more flexibility than personal loans – no minimum amount
Provides easy access to credit
Allows multiple withdrawals
Applies interest only on what you use, not what is approved
In Bank account: Get the funds deposited directly into your account, with withdrawals available disbursals within 24 hrs of credit request. Pay only for what you use.
Access through iOS or Android. Get loan approved, get loan approved between status updates. Use the app to get approvals, withdrawals and manage your account from where you are, when you need.
PayOpt card: Swipe to get your funds. Get access to your line of credit to buy or to pay your expenses
Flexible monthly payment: Pay back an equal portion of your loan principal plus a monthly fee. Pay only when you have an outstanding loan balance, without getting locked into rigid monthly installments or carry your dues forward by paying service fees over a period of time of in a single shot.
Autopay: PayOpt simplifies billing by automatically with drawing your minimum payment from your primary account each month. You also can make manual payments at any time.
Consolidated payment: Bundle your outstanding loans into one monthly payment so you don’t have to keep track of multiple repayment schedules.
No hidden charges: At the end of every billing period you can pay your balance in Full or carry it forward for a month/quarter. PayOpt’s flat financing charges % of the amount/ balance carried forward makes it easy for you to know exactly how much would it cost hedge your liability.
Drive up your fund usage, increase the loan portfolio of your existing customers, and access a huge credit-hungry consumer base which is currently unaddressed…
Assess financial health
Securely link your personal accounts – fixed deposits, retail banking, existing capital
Automated financial health review
On-demand finances
Complete control over finances
Pay only for what you use and not what is approved
No minimum amount and duration
Flexibility at each step
Innovative funding
Tailor-made repayment options
Multi-schedule options across frequency, payment and term
Ensured transparency and support
Review of fees, terms and payment schedule while using funds and at the time of switching
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