UPI-native
Designed around familiar QR payment flows.
Responsible by design
Eligibility checks and lending-partner led credit.
Clear and controlled
See spending, limits, and repayment in one place.
Built around your next move
What brings you to Xivora?
Choose a path and get straight to what matters to you.
For customers
Pay with more flexibility
See how eligible credit can fit into everyday UPI merchant payments.
See how it works For merchants Give customers another way to payExplore flexible checkout designed around supported UPI merchant flows.
Explore merchant benefits For partners Build the ecosystem with usStart a conversation about lending, payments, distribution, or sustainability.
Talk to our teamWhy Xivora works for you
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Instant Credit at Checkout
Access an eligible credit limit at supported UPI merchant QRs without needing a card.
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No Setup. No Hardware
Works on existing QR infrastructure. No POS, no integration required.
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Flexible Repayment
Track due dates and manage repayment from one clear dashboard.
Clear
Lending-partner led credit
Simple from the first tap
From eligibility to repayment, stay informed
A familiar payment experience with clear decisions at every step.
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01
Check eligibility
Complete verification and review the credit offer, terms, fees, and available limit.
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02
Scan and choose
At a supported merchant QR, choose Xivora when you want to use available credit.
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03
Track and repay
See transactions and due dates clearly, then repay according to your agreed terms.
Credit is subject to eligibility and lending-partner approval.
Join the waitlist
Why Xivora feels different
Clarity before, during, and after every payment.
Know where you stand
Review eligibility, available credit, terms, and key costs before choosing to pay.
A familiar payment flow
Designed around supported merchant QR payments, without adding another physical card.
Stay in control
Track transactions, repayment dates, and account activity in one clear view.
Made for everyday confidence
Make informed payment choices
See what is available, understand the terms, and stay on top of repayment from one place.
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Pay through a familiar flow
Use available credit at supported merchant payment flows without carrying another physical card.
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Know before you choose
Review key terms, available credit, and applicable costs before confirming payment.
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Stay in control
Track activity and due dates clearly, with repayment based on your agreed credit terms.
Choose your next step
Ready when you are.
Be among the first to hear about customer access, merchant opportunities, and Xivora partnerships.
Frequently Asked Questions
Everything you need to know about using Xivora
Xivora is a credit wallet designed to help eligible customers pay at supported UPI merchant QRs without needing a card.
Availability depends on eligibility, the lending partner, and supported merchant payment flows.
Eligibility and credit limits are assessed by the lending partner before credit is made available.
No. Xivora works independently and does not require a credit card.
Repayment terms, due dates, fees, and applicable charges are shown before you accept a credit offer.
Xivora is designed for lending-partner led credit flows, clear disclosures, and responsible customer experiences.
Interested in Xivora?Join the customer waitlist
Join now