About PayBuddy

About company

PayBuddy is a credit payment app over UPI to financially educate lower middle class in Tier 1 & 2 cities, it rewards good behaviour and penalises the bad behaviour. Our users either do not get a credit card, or they shop at places with no POS machine, so the problem being solved is not just access of credit but also lack of distribution of POS machines. Our users can create a healthy credit history with us. The aim is to create a community of these active creditworthy users to minimise the credit risk associated with them currently.