🤝 BankPayU Partner Program

Two Ways to Earn. One Powerful Partner Network.

The BankPayU Partner Program gives eligible Partners a structured way to earn from genuine loan opportunities across participating banks and NBFCs.

Choose the way that suits you:

🔵 DIRECT CONNECT

Know the right bank? Connect directly.

Work independently on eligible loan files using Corporate DSA Code Enablement available through BankPayU’s network of participating banks and NBFCs.

🟢 LEAD CONNECT PROGRAM

Have a customer? Connect the lead with BankPayU.

Submit your genuine loan opportunity to BankPayU and let our team handle or assist with the subsequent loan journey, subject to product eligibility and lender policies.

Whether you prefer to handle the case yourself or want BankPayU to assist, you can choose the Partner route that works best for you.

🔍 What Is the BankPayU Partner Program?

The BankPayU Partner Program is a Partner Enablement and Payout Management Ecosystem designed to help eligible individuals source genuine loan opportunities and participate in the loan sourcing ecosystem across multiple banks and NBFCs.

BankPayU provides two distinct ways to participate:

✔️ Corporate DSA Code Enablement

Under Direct Connect, eligible Partners can work with available Corporate DSA Codes across participating banks and NBFCs without having to independently obtain separate DSA arrangements for every available lender, where such access is provided by BankPayU.

✔️ Direct Connect

For Partners who know the appropriate bank or lending route and want to handle their loan files independently.

✔️ Lead Connect Program

For Partners who have a genuine customer/loan opportunity but prefer to connect the lead with BankPayU for assistance with the subsequent loan journey.

✔️ Centralised Payout Visibility

A structured Partner Dashboard to help Partners view their leads and monitor applicable payout progress.

✔️ Disbursement-Based Earnings

Eligible payouts are processed in accordance with the applicable Product-Specific Payout Policy and relevant lender confirmation/conditions.

❌ What BankPayU Is Not

❌ Not a Lender

BankPayU does not itself approve or sanction loans unless expressly identified as the lender for a particular product.

❌ Not a Loan Approval System

Final credit decisions are made by the relevant bank/NBFC.

❌ Not a Guarantee of Loan Approval

Submitting a lead or loan file does not guarantee sanction, approval or disbursement.

❌ Not Necessarily a Live Bank LMS/LOS Tracker

The BankPayU Partner Dashboard is primarily intended for Partner activity and payout visibility and should not be treated as a live lender-system tracker unless specifically stated for a particular service.

🧩 How the BankPayU Partner Program Works

1️⃣ Partner Registration

Register with BankPayU and create your Partner Account.

Once your registration is accepted/activated, you can access the Partner Dashboard and the Partner facilities available to you.

2️⃣ Choose Your Way to Work

🔵 DIRECT CONNECT

Know the right bank? Connect directly.

Direct Connect is designed for Partners who prefer to handle eligible loan proposals themselves.

Through available Corporate DSA Code Enablement, eligible Partners may access applicable corporate DSA arrangements across participating banks and NBFCs.

The Partner can:

• source the customer;
• identify the appropriate bank/product;
• use the applicable Corporate DSA Code;
• submit the loan file;
• coordinate with the bank;
• manage documentation;
• follow up with the relevant teams; and
• handle the proposal independently.

You know the route. You handle the case. You earn higher payouts.

🟢 LEAD CONNECT PROGRAM

Have a customer? Connect the lead with BankPayU.

Lead Connect is designed for Partners who have a genuine loan opportunity but prefer BankPayU to handle or assist with the subsequent loan journey.

The Partner:

• sources the customer;
• submits the genuine lead to BankPayU;
• provides the required information;
• and lets BankPayU assist with the subsequent process.

BankPayU may assist with:

• identifying an appropriate lending route;
• customer coordination;
• documentation/process coordination;
• follow-up;
• loan processing assistance; and
• other applicable steps in the loan journey.

You connect the opportunity. BankPayU handles the journey.

Lead Connect generally carries lower payouts than Direct Connect because BankPayU takes greater responsibility for the subsequent loan journey.

⚖️ Direct Connect vs Lead Connect Program

Why are the payouts different?

Direct Connect generally carries higher payouts because the Partner independently handles the eligible loan proposal through the applicable bank/lender route.

Lead Connect Program generally carries lower payouts because BankPayU handles or assists with the subsequent loan journey.

More Partner involvement → Higher Payouts
More BankPayU assistance → Lower Payouts

The exact payout amount, however, remains product- and lender-specific and is governed by the applicable Product-Specific Payout Policy.

3️⃣ Loan Processing & Bank Disbursement

The actual loan decision and disbursement are made by the relevant bank/NBFC/lender.

The role of the Partner and BankPayU may differ depending on the selected route.

Under Direct Connect

The Partner independently works with the relevant bank using the applicable Corporate DSA arrangement and handles the loan proposal.

Under Lead Connect

The Partner connects the genuine loan opportunity with BankPayU, and BankPayU may handle or assist with the subsequent loan journey.

In both routes:

Final loan approval, sanction, loan terms and disbursement remain with the relevant bank/NBFC/lender.

4️⃣ Successful Loan Disbursement

Once an eligible loan is successfully disbursed and the applicable payout conditions are fulfilled:

• the relevant lender provides/records applicable disbursement information;
• BankPayU determines payout eligibility according to the applicable policy;
• the applicable payout is processed; and
• the Partner can view relevant payout information through the Partner Dashboard.

Payouts are not based merely on lead submission or loan application.

They are subject to the applicable Product-Specific Payout Policy, lender conditions and successful fulfilment of the relevant payout requirements.

5️⃣ Payout Tracking

The BankPayU Partner Dashboard provides a centralised view of Partner activity and payout progress.

Depending on the available functionality, Partners may use the Dashboard to:

• view submitted leads;
• view lead information/status;
• monitor payout eligibility;
• track payout progress;
• view payout release updates; and
• manage relevant Partner information.

Important

The Partner Dashboard reflects BankPayU’s available records and payout progress. It should not be interpreted as a live bank LMS/LOS tracker unless specifically stated.

👥 Who Is the BankPayU Partner Program For?

The Partner Program is designed for individuals who are interested in earning through the sourcing of eligible loan files/leads.

It may be particularly suitable for:

• Direct Selling Agents (DSAs)
• Chartered Accountants (C.A.s)
• Accountants
• Architects
• Property Dealers
• Builders / Property Developers
• Builder’s Staff
• Bankers / Ex-Bankers
• Freelancers
• Other individuals interested in sourcing eligible loan opportunities

The above categories are examples and are not an exhaustive list.

👤 What If My Profile Is Not Listed?

During registration, individuals whose profile does not fall into one of the specific categories may select “Others”, where available.

Who can select “Others”?

The Others category is intended for individuals who do not fit the specific professional categories listed on the registration form but are genuinely interested in sourcing eligible loan files and earning through the BankPayU Partner Program.

This may include an individual who:

• has genuine loan opportunities through personal or professional contacts;
• is interested in sourcing eligible loan files;
• does not work as a traditional DSA or loan agent;
• is exploring loan sourcing as an additional earning opportunity; or
• is himself/herself looking for a loan and also wishes to participate as a BankPayU Partner.

Selection of “Others” does not automatically guarantee Partner approval or payout eligibility. All applicants remain subject to BankPayU’s registration, verification, eligibility, compliance and applicable payout requirements.

⭐ Why Partners Choose BankPayU

🔹 Corporate DSA Code Enablement

Under Direct Connect, eligible Partners can work through available Corporate DSA Codes across participating banks and NBFCs.

This can provide access to multiple lending opportunities without requiring the Partner to independently establish separate DSA arrangements with every participating lender.

🔹 Two Ways to Work

Direct Connect

Know the bank? Handle it yourself.

Lead Connect

Have the customer? Let BankPayU handle the journey.

Choose the route according to your experience, preference and the nature of the opportunity.

🔹 Higher Payout Opportunity Through Direct Connect

Partners who independently handle eligible loan proposals through Direct Connect can earn higher payouts compared with the Lead Connect Program, subject to the applicable product and lender payout policy.

🔹 Simpler Route Through Lead Connect

Don’t know which bank is appropriate or don’t want to handle the entire process?

Connect the lead with BankPayU.

BankPayU may assist with the subsequent loan journey.

🔹 Multiple Banking Opportunities

Access available loan opportunities across participating banks and NBFCs through the BankPayU Partner ecosystem.

🔹 Centralised Payout Visibility

Instead of depending entirely on scattered follow-ups, Partners can use BankPayU’s Partner Dashboard to view available payout information and progress.

🔹 Disbursement-Based Earnings

Payouts are linked to applicable loan/product conditions and successful disbursement.

No payout is guaranteed merely because a lead or application has been submitted.

🔹 No Joining Fee

No joining fee. No subscription fee.

Participation remains subject to the BankPayU Partner Program Terms & Conditions and applicable policies.

🛡️ Important Disclosures — Please Read

• BankPayU is not a lender, unless expressly identified as such for a particular product.
• BankPayU does not guarantee loan approval, sanction or disbursement.
• Final lending decisions are made by the relevant bank/NBFC.
• Under Direct Connect, eligible Partners may work independently using available Corporate DSA Code arrangements.
• Under the Lead Connect Program, Partners connect eligible leads with BankPayU for assistance with the subsequent loan journey.
• Direct Connect generally provides higher payouts than Lead Connect, because the Partner handles more of the loan process.
• Exact payout amounts and conditions vary by lender and product.
• Payouts are subject to the applicable Product-Specific Payout Policy.
• Certain banks/NBFCs may have payout reversal or clawback conditions relating to early takeover, balance transfer, foreclosure, prepayment or other specified events.
• Such lender-specific conditions will be disclosed on the applicable product page wherever applicable.
• If two or more Partners submit the same eligible lead, only one payout can be released.
• The applicable payout will generally be attributed to the first eligible Partner whose lead was captured in BankPayU’s records, based on the recorded date and time.
• Submitting a lead does not guarantee that the customer will receive a loan.
• Becoming a Loan Seeker or Loan Customer does not, by itself, prevent a person from becoming or remaining a BankPayU Partner.
• A Partner’s own loan does not automatically qualify for a payout; eligibility depends on the applicable product policy and lender arrangement.

🧠 The Simplest Way to Understand BankPayU

Two Ways to Work. Two Ways to Earn.

🔵 DIRECT CONNECT

You know the bank.
You use the available Corporate DSA Code.
You handle the case.

You earn higher payouts.

🟢 LEAD CONNECT PROGRAM

You have the customer.
You connect the lead with BankPayU.
BankPayU handles the journey.

You earn lower payouts.

And in both cases:

Banks make lending decisions.
BankPayU facilitates the Partner payout process.
Eligible payouts are released after applicable conditions are fulfilled.

That’s the BankPayU Partner ecosystem.

🚀 Ready to Work Your Way?

Know the bank? Connect directly.

Have a customer? Connect the lead with BankPayU.

Choose the Partner route that works best for you and start building eligible loan opportunities through the BankPayU Partner ecosystem.

[ JOIN THE BANKPAYU PARTNER PROGRAM → ]