Fintech Startup PaySwift Disrupts Indian E-Commerce with Instant Credit

PaySwift, a Bangalore-based fintech startup, announced today a new instant credit feature for e-commerce shoppers, aiming to boost online sales and consumer spending. The service offers zero-interest credit up to ₹50,000, approved within seconds during checkout, according to TechCrunch. Early trials showed a 30% increase in average order value among users. PaySwift’s innovation challenges traditional credit models and could reshape digital payments in India’s rapidly growing e-commerce market, currently valued at over $100 billion. The startup plans to expand to Southeast Asia by late 2026.