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Everyday UPI payments, in one place
Scan and pay, send and receive money, set up AutoPay, use UPI Lite, pay bills and recharge, all from one app. Fast, familiar, and free of clutter.
See all UPI services →She Leads. She Grows. She Pays.
Built for your
ambition.
Engineered for
your life.
Engineered for
your life.
Engineered for
your life.
An all-in-one financial app that helps turn everyday payment behaviour into a stronger financial profile and future credit opportunities.
◆NPCI-licensed TPAP infrastructure
◆NSDL savings account
◆Rewards on everyday spend
Credit Line on UPI lets you spend from a pre-approved line✦
Scan & Pay works at UPI-enabled merchants✦
UPI Lite for small spends, no PIN✦
Digital gold starts at ₹1✦
KYC verified for secure access to financial services✦
UPI Autopay, set it once and forget it✦
No jargon, everything in plain language✦
Credit Card on UPI pays by QR, anywhere✦
We never ask for your OTP✦
NSDL savings account opens in minutes✦
Help from a real person, no chatbot loop✦
UPI Number to share instead of your bank details✦
Partner banks & NBFCs issue every product✦
One-time mandates to block now and pay later✦
Rewards on the spending you already do✦
She Leads. She Grows. She Pays. ✦
What we do
One app. Three things that
change everything.
Women already manage money every day. ShePays helps make those everyday actions count toward something more.
◈
Turn payments into credit
We look at patterns in your everyday payment behaviour to build a clearer financial profile that can support future credit opportunities.
How the credit line works →◆
Turn credit into opportunity
Savings, digital gold, insurance and rewards sit alongside it, so money that used to just pass through starts building something.
See all products →The change we are making
Not a risk problem. A
measurement problem.
Traditional underwriting often relies heavily on documented income and bureau history. That can leave women with strong financial behaviour but limited formal credit history harder to assess.
15 Cr
estimated women monthly UPI users
But
< 3%
hold a credit card
12.5vs 9.2
UPI transactions a month, women versus men.
Higher engagement, not lower.
Higher engagement, not lower.
78%
repeat-merchant rate — one of the strongest
loyalty signals in consumer finance.
loyalty signals in consumer finance.
1.8%vs 2.2%
90+ DPD delinquency. Women are the safer
borrowers, and still the excluded ones.
borrowers, and still the excluded ones.
Around 12 crore women are credit-eligible on behaviour today; three to four crore qualify right now and remain credit invisible. We are not creating demand. We are reading a signal that was always there.
More about why we exist →Who she is
She’s financially active. It’s
time the system caught up.
Millions of women move money every day and have nothing on paper to show for it. These are the patterns our underwriting was built to read.
"I've paid the same suppliers every week for six years."
She runs a business from home, with steady income and a consistent payment history. What she does not have is the salaried-income paperwork most lenders ask for.
HOME BUSINESS OWNER
"Everything I spend goes through UPI. None of it counts."
Groceries, bills, recharges, e-commerce. Around ₹20,000 a month, entirely consistent. Her behaviour is documented, but she may still have little or no bureau history.
SALARIED, NEW TO CREDIT
"Every financial product in the house is in his name."
She manages the household budget and always has. When she seeks credit in her own name, she may have limited formal credit history despite years of managing household finances.
HOUSEHOLD FINANCIAL MANAGER
Get started
One app. Infinite possibilities.
She Leads. She Grows. She Pays.
15 Cr women use UPI every month✦
Under 3% have a credit card✦
That is measurement, not risk✦
12.5 transactions a month versus 9.2 for men✦
78% repeat-merchant rate, loyalty documented✦
1.8% delinquency, safer borrowers✦
12 Cr women credit-eligible on behaviour today✦
Already financially active, still invisible✦
She Leads. She Grows. She Pays.✦