We are changing how India experiences credit. To one that’s simple, transparent, and effortless and is straight from the future. Here’s what it looks like:

Uni Paychek - India's 1st salary subscription product.

Receive credit of up to ₹100,000 every month. Sent directly to your bank account. Just like a salary before your salary.

* Subscribe with a paperless one-time setup that takes less than 3 minutes

* Note the eligible amount and Paychek date basis plan. Your Paychek arrives on this date every month

* You get 15/30 days of credit period each month, depending on the plan selected

* Don’t need Paychek for a month? You can always pause it from the app

* Get 15/30 days more to clear your credit card bill, cover your EMIs, and pay rent and utility bills…you can use Paychek for anything and everything

* Paychek is enabled by our partners - nationally recognized NBFCs that are regulated by RBI

* Over 2 Lakh happy users have made Paychek a part of their monthly finances

You can also choose from 2 variants 15 day and 30-day plans. 30-day plan comes with a nominal subscription fee. Try it today!

How to begin (Steps for new users)

1 Download the Uni app
2 Check eligibility
3 Complete KYC
4 Subscribe to Paychek

Paychek details -
Paychek amount upto Rs 1,00,000 every month
Min Tenure to repay - 24 months & Max tenure to repay - 24 months
Subscription plan : 15 day & 30 day
Subscription fee - Zero fee for the 15-day plan & One-time subscription fee of Rs 1999 (including GST) for 30 day plan
Max APR (Annual percentage rate) is 48% + GST ( this includes carry forward fee ) and it varies across the risk profile of the customer
If repaid in 24 months applicable APR is charged
If repaid in full by the due date - zero APR is charged


Example of a Paychek transaction with Rs 50,000 Amount :

Amount : Rs 50,000
Annualised Carry Forward fee (Interest) : 45% p.a + GST
Subscription Plan : 30 Day
Subscription Fee : Rs 1999
Disbursal Amount : Rs 50,000
If repaid by due date
Carry forward fee ( Interest ) = 0
Total amount to be paid = Rs. 51,999 incl. Of GST
If repaid in 24 months
Carryforward fee = Rs 19,276 + GST
Total amount to be paid = Rs. 71,275 + GST

* Carryforward fee varies based on customer risk profile.


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NX Wave Credit Card

The next-gen credit card for reward-lovers is here. Issued by SBM & Yes Bank in co brand partnership with Uniorbit Platform Services Private Limited, the NX Wave Credit Card brings you an incredible experience and value like nothing you’ve seen before.

What the Wave brings you:

> 1% cashback* on your spendings
> 5x more value than your cashback at the Uni Store
> 0% forex markup fee. Pay nothing extra on international transactions
> Lifetime FREE: no annual or renewal fee
> Choice of six breathtaking colors
> Fuel surcharge waiver

* Not applicable on fuel purchase, rent & wallet transfers, ATM withdrawals & international transactions.

Your NX Wave Credit Card is super secure:
* Stay in control: manage your card and its limits from the Uni app
* Avoid mishaps: Freeze/unfreeze your physical card if lost
* Strong on privacy: PCI-DSS certified, so your data is always safe


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To know more, you can always check our website paychek.uni.club
Or send us an email to [email protected]

Office address -
Uniorbit Technologies Pvt Ltd. (Uni Cards)
No.3, B Nexus, 3rd Block, Koramangala 1A Block, SBI Colony, Koramangala, Bengaluru, Karnataka 560034

List of partnered entities
NBFC - DMI Finance Private Limited
NBFC - NDX P2P PRIVATE LIMITED
NBFC - Transactree Technologies Private Limited
NBFC - Northern Arc Capital Limited
NBFC - Kisetsu Saison Finance (India) Private Limited