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CARD91 Introduces Five-Point Credit Lifecycle Consistency Framework for Credit Line on UPI

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3 months ago

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The issuer-readiness framework focuses on keeping credit records aligned across different facilities, payments, refunds, reversals, repayments and EMI conversions

BENGALURU, India, Aug. 26, 2026 /PRNewswire/ — CARD91, a payments infrastructure company, today introduced its Credit Lifecycle Consistency Framework, a five-point industry framework designed to help banks assess their operational readiness for Credit Line on UPI (CLOU).

The framework focuses on ensuring that credit limits, outstanding balances and customer records remain accurate as payments move through refunds, reversals, repayments, EMI conversions and other lifecycle events.

The announcement comes as UPI enters its second decade. According to the Press Information Bureau, the network now connects 741 live banks and processed 2,365.8 crore transactions worth ₹29.87 lakh crore in July 2026. These figures represent the overall UPI network and demonstrate the operating scale within which UPI-based credit is developing.

The RBI’s Fourth Amendment Directions on Credit Facilities, issued on June 23, 2026, clarified that the prudential treatment of UPI-linked credit must be determined by the nature of the underlying credit facility—not by the payment channel, instrument or technology used. The facility’s terms must also form part of the bank’s credit policy and comply with applicable regulations.

A successful UPI payment is only one event in a continuing credit relationship. Subsequent refunds, reversals, repayments or EMI conversions can alter the customer’s available credit, outstanding dues and repayment schedule.

“Speed gets the customer through checkout, but consistency determines whether they trust the credit product,” said Ajay Pandey, CEO, CARD91. “Each payment and subsequent credit event must receive the correct treatment for the underlying facility so that the bank and the customer continue to see the same financial position.”

The Credit Lifecycle Consistency Framework

1. Apply facility-specific credit treatment

Interest-free, interest-bearing, fixed-term and revolving facilities may require different treatment of limits, repayments, refunds and outstanding balances.

2. Connect payment and credit records

UPI transactions and subsequent credit events should remain connected with the appropriate customer account. Refunds, reversals and repayments must update the relevant records accurately.

3. Align controls with bank policy

Transaction value, velocity and merchant-category controls—as well as portfolio actions such as limit changes and suspensions—should reflect the bank’s credit policy and customer consent.

4. Reconcile repayments and EMI conversions

Repayments should be applied to the correct account, while EMI conversions should update the instalment schedule without duplicating the outstanding amount.

5. Maintain customer visibility and traceability

Available credit, outstanding dues and repayment obligations should remain consistent across applications, statements and alerts. Disputes, delayed reversals and manual corrections should follow a documented and reviewable process.

Lifecycle consistency means updating the appropriate credit records as each event is processed. The framework does not prescribe a universal processing timeframe or replace RBI requirements and individual bank credit policies.

For example, if a customer uses ₹10,000 from a ₹50,000 revolving credit line, the available credit would ordinarily fall to ₹40,000. Any subsequent refund, reversal, repayment or EMI conversion must update the relevant records according to the facility’s terms. A fixed-term loan may require different treatment, reinforcing why payment processing cannot be separated from the underlying credit product.

Where CLOU is delivered through a digital-lending journey, the RBI Digital Lending Directions, 2025 may also apply to credit assessment, disclosures, servicing, repayment, grievance redressal and credit-information reporting.

CARD91’s perspective is informed by its work on Nimbus, its Credit Line Management System. Nimbus supports different credit structures and connects credit lifecycle management with CARD91’s NPCI-certified UPI 2.0 switch. Its publicly described capabilities include transaction and portfolio controls, consent management, EMI conversion, reconciliation and dispute resolution.

Technology should not determine lending policy or replace regulatory judgement. Its role is to help keep bank policy, transaction records and customer credit positions aligned.

As credit becomes an additional funding source on UPI, its next trust test will begin after the payment: whether every subsequent credit event leaves the bank and the customer with the same financial truth.

About CARD91

CARD91 is a payments and onboarding risk infrastructure provider, enabling regulated entities to launch and scale customer programs with ease. The platform supports seamless onboarding journeys, fraud detection, credit decisioning, card issuance across credit, prepaid, and forex, and UPI stack capabilities across issuance and acquiring.

Through its NPCI-certified capabilities and technology stack, CARD91 helps institutions design bespoke customer payment programs and market them with speed, security, and a seamless digital experience. Built by a team of bankers and technologists and proudly made in India, CARD91 operates across key financial hubs, including Mumbai, Bangalore, Delhi, and Chennai.

For more information, visit https://card91.io/ or contact sales@card91.io.

View original content to download multimedia:https://www.prnewswire.com/in/news-releases/card91-introduces-five-point-credit-lifecycle-consistency-framework-for-credit-line-on-upi-302859438.html

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Routific connects delivery route planning to 9,000+ apps through Zapier

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57 minutes ago

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November 12, 2026

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New Routific integration on Zapier sends orders from QuickBooks, WooCommerce, Google Sheets, and other apps straight into Routific to plan optimized delivery routes

VANCOUVER, BC, Nov. 12, 2026 /PRNewswire-PRWeb/ — Weeks after launching its Shopify app, Routific, the smart route optimization and delivery management platform for growing delivery businesses, is now available on Zapier. Delivery businesses can connect Routific to more than 9,000 apps, from online stores and order forms to spreadsheets and databases, and stop retyping orders before they can plan a single route.

Previously, we relied on manually downloading and uploading spreadsheets… By connecting Knack, Zapier, and Routific, we’ve automated that process.

“Every delivery business runs on a different mix of tools. One takes orders in WooCommerce, another in Airtable, another in a form they built themselves,” said Marc Kuo, Founder and CEO of Routific. “We can’t build a native integration for every one of them, so we built one that reaches all of them. Orders get into Routific on their own, and dispatchers spend their time on routes drivers trust, not on copying addresses.”

With Zapier, businesses can create, update, complete, and delete orders in Routific, create routes, and publish a day’s routes to drivers. They can also pull route details, route timelines, and proof-of-delivery photos back out to other apps. Common setups include sending new QuickBooks invoices to Routific as delivery orders, adding new WooCommerce orders to Routific as they come in, turning rows in Google Sheets or Airtable into delivery orders, and publishing routes to drivers at the same time every morning.

Diaper Stork is a Seattle-area diaper service that delivers premium cloth diapers to families each week while picking up their used diapers for laundering and reuse.

“With hundreds of weekly deliveries, managing our routes and keeping customer information up to date is a big part of our operation,” said Carrie Pollak, CEO of Diaper Stork.

“Previously, we relied on manually downloading and uploading spreadsheets between our customer management system and our routing software. By connecting Knack, Zapier, and Routific, we’ve automated that process. New delivery orders now flow directly into our routing system, and delivery updates and tracking information are automatically shared back with our customer service team. This saves us time, reduces manual work, and gives our team better visibility into every delivery. Most importantly, it allows us to spend less time managing systems and more time taking care of our customers.”

Routific is the highest-rated route planning software on Capterra, with 4.9 stars from 144 reviews as of November 2026. The Zapier integration is available now to all Routific customers. Businesses can get started from Routific’s Zapier page or learn more about Routific’s Zapier integration. Watch how it works: https://www.youtube.com/watch?v=5I0Xm_nmVVw

About Routific

Founded in Vancouver in 2012, Routific is smart route optimization and delivery management software for growing delivery businesses, from food and grocery brands to florists, furniture retailers, and couriers. Its optimization algorithm, inspired by how honeybees find the shortest path to food, builds routes drivers trust. Routific is the highest-rated route planning software on Capterra. It connects with Shopify, Zapier, and thousands of other apps.

Media Contact

Suzanne Ma, Routific, 1 888-907-6884, press@routific.com, www.routific.com

View original content to download multimedia:https://www.prweb.com/releases/routific-connects-delivery-route-planning-to-9-000-apps-through-zapier-302936354.html

SOURCE Routific

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Routific connects delivery route planning to 9,000+ apps through Zapier

Published

57 minutes ago

on

November 12, 2026

By

New Routific integration on Zapier sends orders from QuickBooks, WooCommerce, Google Sheets, and other apps straight into Routific to plan optimized delivery routes

VANCOUVER, BC, Nov. 12, 2026 /PRNewswire-PRWeb/ — Weeks after launching its Shopify app, Routific, the smart route optimization and delivery management platform for growing delivery businesses, is now available on Zapier. Delivery businesses can connect Routific to more than 9,000 apps, from online stores and order forms to spreadsheets and databases, and stop retyping orders before they can plan a single route.

Previously, we relied on manually downloading and uploading spreadsheets… By connecting Knack, Zapier, and Routific, we’ve automated that process.

“Every delivery business runs on a different mix of tools. One takes orders in WooCommerce, another in Airtable, another in a form they built themselves,” said Marc Kuo, Founder and CEO of Routific. “We can’t build a native integration for every one of them, so we built one that reaches all of them. Orders get into Routific on their own, and dispatchers spend their time on routes drivers trust, not on copying addresses.”

With Zapier, businesses can create, update, complete, and delete orders in Routific, create routes, and publish a day’s routes to drivers. They can also pull route details, route timelines, and proof-of-delivery photos back out to other apps. Common setups include sending new QuickBooks invoices to Routific as delivery orders, adding new WooCommerce orders to Routific as they come in, turning rows in Google Sheets or Airtable into delivery orders, and publishing routes to drivers at the same time every morning.

Diaper Stork is a Seattle-area diaper service that delivers premium cloth diapers to families each week while picking up their used diapers for laundering and reuse.

“With hundreds of weekly deliveries, managing our routes and keeping customer information up to date is a big part of our operation,” said Carrie Pollak, CEO of Diaper Stork.

“Previously, we relied on manually downloading and uploading spreadsheets between our customer management system and our routing software. By connecting Knack, Zapier, and Routific, we’ve automated that process. New delivery orders now flow directly into our routing system, and delivery updates and tracking information are automatically shared back with our customer service team. This saves us time, reduces manual work, and gives our team better visibility into every delivery. Most importantly, it allows us to spend less time managing systems and more time taking care of our customers.”

Routific is the highest-rated route planning software on Capterra, with 4.9 stars from 144 reviews as of November 2026. The Zapier integration is available now to all Routific customers. Businesses can get started from Routific’s Zapier page or learn more about Routific’s Zapier integration. Watch how it works: https://www.youtube.com/watch?v=5I0Xm_nmVVw

About Routific

Founded in Vancouver in 2012, Routific is smart route optimization and delivery management software for growing delivery businesses, from food and grocery brands to florists, furniture retailers, and couriers. Its optimization algorithm, inspired by how honeybees find the shortest path to food, builds routes drivers trust. Routific is the highest-rated route planning software on Capterra. It connects with Shopify, Zapier, and thousands of other apps.

Media Contact

Suzanne Ma, Routific, 1 888-907-6884, press@routific.com, www.routific.com

View original content to download multimedia:https://www.prweb.com/releases/routific-connects-delivery-route-planning-to-9-000-apps-through-zapier-302936354.html

SOURCE Routific

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Build, Partner or Hybrid: Trigent Helps Mid-Market Leaders Choose a Global Capability Center Based on Evidence

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57 minutes ago

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November 12, 2026

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Trigent Xperience Zone (TXZ) lets US, UK, and European mid-market companies test-drive an India capability and innovation center.

BOSTON, Nov. 12, 2026 /PRNewswire/ — Trigent, a global technology and AI solutions company, today launched the Trigent Xperience Zone (TXZ) and a Global Capability Center (GCC) Fit Assessment. These services give mid-market companies in the US, UK, and Europe a working view of an India Global Capability Center, and a recommended setup, before they commit capital.

A new kind of buyer

Captive centers and dedicated offshore development centers are no longer a Fortune 500 story alone. Out of India’s 2,117 GCCs, nearly half belong to mid-market and smaller companies, according to Nasscom’s FY2026 report.

The work is changing too. The same report finds 96% of GCCs opened since FY2021 launched with a product, R&D or engineering mandate. So, the business case now rests on capability and innovation, not just cost.

See it, test it, then scale it

TXZ lets leaders explore nine working areas of Trigent’s India operations, from interview rooms and delivery floors to the legal and accounts teams. With the Fit Assessment, they get a starting model built on their goals, timeline, and readiness.

According to Trigent, this 360-degree view is critical because mid-market Global Capability Centers typically struggle one year down the line when hiring and governance gaps start to show.

Pick the right starting point

The GCC Fit Assessment is built for the CEO, CFO, CTO, and CHRO, who sign off on a GCC but often judge readiness differently. Whether the answer is a fully owned captive center, a partner-led model, or a hybrid, the assessment weighs the trade-offs that stall boardroom discussions: speed versus control, cost versus capability, internal readiness versus growth.

“India’s next wave of Global Capability Centers will be built by mid-market companies, from founder-led businesses to PE-backed portfolio firms,” said Rohail Qadri, President, GCC & Professional Services at Trigent. “For them, a GCC isn’t just a cost play anymore. It’s a bet on growth and innovation, and a choice about how much control to keep. We’ve spent three decades working alongside similar companies, so we know where they stretch and where they stall. We help them get those calls right before capital is committed.”

Leaders can take the virtual tour and the GCC Fit Assessment at Trigent Xperience Zone.

About Trigent

Trigent is a data-first, AI-driven global technology solutions provider helping organizations modernize operations and build next-generation Global Capability Centers that deliver measurable business outcomes and bespoke experiences. We enable customers to lead the shift in their industries with trusted, scalable solutions that help them maximize their IT investments. With decades of experience, deep domain expertise, and strong technology capabilities, Trigent has been delivering end-to-end solutions for ISVs, enterprises, and SMBs since 1995. To learn more, visit trigent.com.

Media Contact:

Shamini Martin
Trigent Software, Inc.
info@trigent.com
+1 (508) 490 6000
trigent.com 

View original content to download multimedia:https://www.prnewswire.com/news-releases/build-partner-or-hybrid-trigent-helps-mid-market-leaders-choose-a-global-capability-center-based-on-evidence-302937866.html

SOURCE Trigent Software

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