Niki.Ai partners with fintech startups Earlysalary, LazyPay and ePayLater

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Bangalore:, a player in the conversational commerce space, aims to make digital transactions simple, fast and convenient for one and all. The AI startup has partnered with fintech startups such as Earlysalary, ePaylater, and Lazypay, to enable a one-click checkout process during online transactions. Users can simply chat with AI bot Niki to buy products and make bill payments, without having to pay upfront. With upcoming regional language and voice support on Niki, it will all become even easier.

Commenting about the LazyPay payment option on Niki, Pallav Jain, Business Head of LazyPay said, “The partnership with has helped us target the consumers who are constantly paying their bills on the go and would appreciate a one-click and premium checkout experience. Our primary focus is to leverage our technology to deliver a premium checkout experience to the customers and drive higher conversions and repeat usage for our merchants.”

For brands, has developed an SDK (Software Development Kit), which is less than 1MB in size and can be integrated on any platform within 10 lines of code and 30 minutes of development effort, to make Niki available
to the brands’ customers. The Niki SDK is already being leveraged by top brands like HDFC Bank, ICICI Bank, Karbonn smartphones and more.

Lenders can integrate the SDK in their apps or websites to offer their users the flexibility to avail and then use credit for important online transactions without the need of immediate payment. The 25+ services provided by Niki
are of small ticket size, frequent in nature and can be rewarding for lending companies in terms of customer stickiness and repeat behavior.

Speaking on the impact of integrating’s SDK in their app, Uday Somayajula, Co-founder of ePayLater said, “Through this partnership, we have been able to create a digital store where customers have a unique experience of availing services without having to pay at the same time! Together, we have gone one step further by integrating the Niki SDK on our portal. Our customers who are already familiar with ePayLater’s 14-day credit find this set up
highly convenient for their bill payment and booking needs.”

Lending companies can reduce the users’ need to switch to other apps for transactions by offering crucial services through Niki’s SDK. From the consumer’s perspective, Niki offers them the flexibility of getting things

done without worrying about the payment. With the one-step checkout provided by, consumers can enjoy a 99% transaction success rate as it not dependant on payment success.

Users can avail the pay later option on Niki for buying products and making payments for mobile recharge, electricity bill, postpaid bill, booking cabs and bus tickets, hotels and entertainment services such as events and movie tickets.

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