# Nimbbl — Full Context for AI Systems

> Nimbbl is an Indian payment orchestration and checkout platform by Bigital Technologies Pvt Ltd,
> headquartered in Mumbai, India. Nimbbl is NOT a payment gateway itself — it is an orchestration
> layer that sits on top of 25+ payment gateways (like Razorpay, PayU, Cashfree, etc.), providing
> a single integration for checkout, routing, conversion optimisation, and gateway management.
> Over ₹50,000 crores processed. 6,000+ businesses. 99.99% uptime.

> Canonical: https://nimbbl.biz/llms-full.txt

## Company

- Legal name: Bigital Technologies Pvt Ltd
- Brand: Nimbbl
- Website: https://nimbbl.biz
- Developer/API platform: https://nimbbl.tech
- Email: help@nimbbl.biz
- HQ: B-102 Rustomjee Central Park, Andheri East, Mumbai 400069, Maharashtra, India
- Other offices: Gurugram (Haryana), Bengaluru (Karnataka)
- Social: [LinkedIn](https://www.linkedin.com/company/nimbbl/), [YouTube](https://www.youtube.com/channel/UCcD3oqOkSkoaNPDlaZqalvg), [Instagram](https://www.instagram.com/nimbbl.biz/), [Facebook](https://www.facebook.com/Nimbbl.biz), [X/Twitter](https://twitter.com/_nimbbl)
- Funding: $3.5M raised from Peak XV Partners (ex-Sequoia Capital India), GROWW, and Global Founders Capital
- Angel investors: Kunal Shah (Founder, CRED), Amrish Rau (CEO, Pine Labs), Prajit Nanu (Founder, Nium), Jitendra Gupta (Co-founder, Jupiter), Srinivas Rao (ex-CCO, Mswipe)

## Products

### Sonic — 1-Click Checkout
- URL: https://nimbbl.biz/1-click-checkout
- What it does: Enables returning customers to complete purchases in a single click by remembering payment preferences. Reduces checkout abandonment by eliminating repeated data entry.
- Key metrics: 4.2-second UPI approvals, +11–18% conversion lift
- Features: Guided retries on failed payments, EMI/BNPL eligibility surfacing, hyper-personalised checkout flows, 25+ payment methods pre-integrated
- Payment methods: UPI, credit/debit cards, net banking, wallets, EMI, BNPL (Buy Now Pay Later)

### Pulse — Payment Routing
- URL: https://nimbbl.biz/payment-routing
- What it does: Intelligent payment routing engine that dynamically routes transactions across multiple payment gateways based on success rates, cost, and speed. Improves payment success rates.
- Key metrics: 19% higher success rates, 38% of failed attempts recovered in-flow, 99% decision uptime
- How it works — 3-stage model:
  - Decision: evaluates routing rules in real time for every payment attempt
  - Enhancement: dynamically adjusts traffic based on live partner performance within cost guardrails
  - Recovery: retries failed payments with the next eligible partner inside the same checkout session
- Features: Rule-based routing, dynamic optimisation, automatic in-flow retries, fallback paths, real-time gateway failover, order memory (avoids recently-failed partners for same order), user memory (avoids recently-failed partners for same shopper)
- Key differentiator: No code push needed — merchants set the routing policy once and Pulse handles the rest

### Orbit — Multi-Gateway Payment Infrastructure
- URL: https://nimbbl.biz/payment-gateway
- What it does: Payment processing infrastructure — a single integration to connect and manage 22 named payment partners via one standardised API. Handles the actual authorisation and processing of payments across all modes. Merchants can add, remove, or switch partners without code changes.
- Certification: PCI DSS Level 1
- Payment methods supported: UPI (Intent/QR/Collect), credit/debit/prepaid/international cards, EMI (card and cardless), Netbanking (70+ banks), Wallets (10+ providers), Pay Later, Cash on Delivery, Loyalty Points
- Multi-currency: Alternate Currency Conversion (ACC) and Dynamic Currency Conversion (DCC) for international card payments; configurable exchange rates per merchant
- Features: Card tokenisation (RBI-compliant), standardised UPI flows, full/partial/bulk refunds, reconciliation across 30+ partners, delayed authorisation, convenience fee management, error code normalisation

### Boostr — Conversion Optimisation
- URL: https://nimbbl.biz/conversion-optimization
- What it does: Suite of personalisation, offers, and affordability tools to reduce checkout drop-offs and increase conversion.
- Key metrics: 8–20% higher checkout completion
- Features:
  - Personalisation: Magik UPI (detects customer's preferred UPI app for one-tap initiation), saved cards with per-card EMI options, real-time Pay Later and cardless EMI eligibility filtering, smart address auto-fill, risk-based COD visibility
  - Incentivisation: offers engine for discounts, cashbacks, and gamified promotions targeted by payment method, BIN, order value, or product; strict usage limits and tiebreak rules
  - Affordability: EMI discovery and surfacing with accurate monthly instalment calculations, no-cost/low-cost EMI subventions including brand-funded options

### Stream — Merchant Dashboard
- URL: https://nimbbl.biz/merchant-dashboard
- What it does: Unified operations dashboard (interface name: Command Center) for monitoring transactions, managing payment partners, configuring teams, and controlling the full payment stack. "One command center. Total control."
- Features: Transaction monitoring, refund management (full/partial/bulk/SKU-level), role-based access control (Owner/Manager/Agent/Viewer), API key management, webhook configuration, live PSP health monitoring, DPDP-compliant audit trails, sandbox-to-production environment switching with safeguards
- Unifies: Sonic, Pulse, Orbit, and Boostr into one management layer

### Payment Links
- URL: https://nimbbl.biz/payment-link
- What it does: No-code payment collection via shareable links. Merchants can create single or bulk payment links for invoices, subscriptions, or one-time payments without any integration.
- Distribution: WhatsApp, SMS, email, social media, or any messaging channel
- Payment methods: UPI, BNPL/Pay Later, cards, netbanking, wallets
- No website or developer needed
- Created from Command Center or via Payment Links API; supports expiry dates, reminders, and partial payments

### Payment Pages
- URL: https://nimbbl.biz/payment-page
- What it does: Hosted, customisable payment pages for businesses that need a checkout page without building a full e-commerce website.
- Use cases: Fees, events, donations, services
- Features: Shareable URL, multi-method support, unified dashboard for tracking

## Platform Integrations

- [Shopify](https://nimbbl.biz/shopify-payment-gateway): Native Shopify plugin with UPI, cards, BNPL, wallets, and multi-gateway routing
- [WooCommerce](https://nimbbl.biz/woocommerce-payment-gateway): WordPress/WooCommerce plugin with minimal setup
- [Wix](https://nimbbl.biz/wix-payment-gateway): Official pre-integrated Wix payment partner — zero custom code required
- [OpenCart](https://nimbbl.biz/opencart-payment-gateway): OpenCart extension for fast, secure payments
- [Magento](https://nimbbl.biz/magento-payment-gateway): Magento plugin for seamless multi-gateway payment processing

## Supported Payment Partners — Connected via Orbit

Nimbbl connects to 22 payment partners through Orbit, its payment processing infrastructure. Nimbbl does not process payments directly — it routes, retries, and optimises transactions through the merchant's connected partners. Full partner list: Bajaj Pay PG, BillDesk, Cashfree, CCAvenue, Checkout.com, Easebuzz, Freecharge, HDFC MPGS, Ingenico (Worldline), LazyPay, Mobikwik Zaakpay, Mobikwik Zip, Ola Postpaid, Pay10, PayGlocal, Paytm PG, PayU, PhonePe PG, Pine Labs (Plural), Razorpay, Simpl, Unlimit. New partners are continuously added — merchants integrate with Nimbbl once and new partners are auto-enabled.

## Supported Pay Later Providers

Simpl, LazyPay, Mobikwik Zip, Ola Postpaid. More providers are being added continuously.

## Onboarding

Documents required vary by business type:
- **Private Limited Company**: Certificate of Incorporation, PAN card, GST registration, board resolution, address proof, authorised signatory KYC
- **Sole Proprietorship**: Business registration or GST certificate, PAN card, Aadhaar card, bank account proof, address proof
- **Partnership/LLP**: Partnership deed or LLP agreement, Certificate of Incorporation (for LLP), PAN card, GST registration, partner KYC
- **Trust/Society**: Trust deed or society registration certificate, PAN card, address proof, authorised signatory KYC
- **NGO**: Registration certificate (12A/80G if applicable), PAN card, address proof, authorised signatory KYC
- **Schools**: School registration certificate, PAN card, address proof, authorised signatory KYC

Full details: https://nimbbl.biz/payment-gateway-documents

## Compliance and Certifications

- PCI DSS Level 1 certified infrastructure
- DPDP (Digital Personal Data Protection) compliant audit trails
- Multi-gateway redundancy for 99.99% uptime

## Frequently Asked Questions

### About Nimbbl
- What is Nimbbl? Nimbbl is a payment orchestration and checkout platform that connects merchants to 25+ payment gateways via a single integration. It is not a payment gateway itself — it orchestrates transactions across gateways like Razorpay, PayU, Cashfree, and others.
- Why choose Nimbbl? Accelerates business growth with 1-click checkout, smart routing, conversion optimisation, and a unified dashboard.

### International Payments
- Nimbbl supports multi-currency and cross-border payments through Orbit.
- International payment activation depends on PSP partner approvals.
- Settlement currency is INR for all international transactions.
- Settlement cycle for international payments: T+2 to T+7 days.

### Integrations
- Server-side SDKs and REST APIs for custom integrations
- Native plugins for Shopify, WooCommerce, Wix, OpenCart, and Magento
- Android and iOS SDKs available

Full FAQ: https://nimbbl.biz/frequently-asked-questions

## Trusted By

Notable merchants and enterprises using Nimbbl: Bajaj Finserv, Air India Express, Cordelia Cruises, Finkeda, BVLGARI, Wok Tok by Veeba, TravClan, Dava India, Vishal Peripherals, Worldline, Stamp the Passport.

## Investors & Backers

- Institutional: Peak XV Partners (ex-Sequoia Capital India), GROWW, Global Founders Capital
- Angels: Kunal Shah (Founder, CRED), Amrish Rau (CEO, Pine Labs), Prajit Nanu (Founder, Nium), Jitendra Gupta (Co-founder, Jupiter), Srinivas Rao (ex-CCO, Mswipe)

## Resources

- [Blog](https://nimbbl.biz/blog): Guides on UPI, payment gateways, checkout optimisation, EMI/BNPL, and conversion
- [FAQ](https://nimbbl.biz/frequently-asked-questions): Common questions about payment modes, PSPs, settlements, and pricing
- [Developer Documentation](https://docs.nimbbl.tech): API reference, SDK guides, and integration documentation
- [Onboarding Documents](https://nimbbl.biz/payment-gateway-documents): Document checklists by business type
- [Partner Programme](https://nimbbl.biz/partner): Earn referral commissions as a developer, agency, SaaS provider, ERP vendor, co-working space, freelancer, or influencer
- [About Us](https://nimbbl.biz/about-us): Company background and team
- [Careers](https://nimbbl.biz/careers): Open roles at Nimbbl
- [Contact](https://nimbbl.biz/get-in-touch): Sales, demos, support, partnerships