Offer Credit with the ease and speed of UPI
1 Instant Access To Credit
2 Wider Acceptance via UPI
3 Flexible Repayment Options
4 Offer Purpose-based Credit
NIMBUS is an all-in-one solution to take Credit Line on UPI live for your customers
Key Characteristics
Highly Configurable
CARD91's highly configurable CLMS platform enables issuers to design and customise credit schemes, supporting various product types including interest-free, interest-bearing, fixed-term loans, and
revolving credit to cater to diverse target segments.
Modular Design
Our modular framework empowers issuers to effortlessly customise, expand, and integrate features, ensuring a solution that can evolve with your dynamic business requirements.
Regulatorily Compliant
CARD91's CLMS platform is compliant with the regulator's guidelines pertaining to digital lending.
Easily integrate with your banking systems
Allows seamless incorporation of CARD91's CLMS into your existing banking processes. This ensures easy management of credit lines through your issuer portal. Seamless integration of CARD91's SDKs with your mobile app/net banking.

Certified for UPI 2.0
Our UPI switch is certified with NPCI for UPI 2.0 which comes pre-integrated with CARD91's credit line management system or can be offered standalone.
Our Promise
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Key Features
Issuer Portal:
Intuitive, easy-to-use issuer portal:
- To create credit schemes using our highly configurable template setup.
- To assign manage pre-sanctioned credit lines
CL Lifecycle Management
Our Credit Line Management System enables Credit Line Account Lifecycle Management via APIs for discovery, activation and usage.
Transaction Controls:
You're always in the driver's seat - set or reset MCC-level end-use controls and transaction velocity or value controls as and when you need.
Portfolio Actions:
Manage all your portfolio actions such as Increasing or decreasing credit limits, suspending credit limits, and closing credit limits based on periodic review.
Consent Management:
Record and manage customer consent required to extend credit line or increase credit line as mandated by the RBI’s Digital Lending Guidelines.
Collateral Management:
Offering a secured credit line? We have the provision to capture security reference details or integrate with the bank's existing collateral management system.
EMI Conversion:
Allow your customers to choose the EMI option before or after the transaction on the UPI Third Party Application provider or on the customer portal.