DPanda connects D2C brands to distribution channels (ONDC, banking apps, retail networks), enables EMI and subvention at checkout, powers influencer-led commerce, runs a loan origination system for retailer-led lending, and provides AI-backed catalog analytics for Shopify brands.

How does DPanda's EMI checkout work?

DPanda's checkout plugs into a retailer's point of sale or a brand's Shopify, WooCommerce or Magento storefront, offering EMI and subvention options at the moment of purchase to lift conversion on high-value items.

For Brands :: Publishers :: Banks & NBFCs

Unlock New Revenue Streams

Commerce Distribution Network

Brands plug in to sell more. Publishers and apps plug in to monetise traffic they already have. Banks and NBFCs plug in to reach new borrowers and promote their own instruments. One rail, three audiences, the same underlying infrastructure.

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1,500+brands on the network

200M+reach across publisher apps

8+banks & NBFCs routed

9,000+retailers selling EMI

Brands selling on DPanda

...and 5,000+ more brands across every category

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One Rail, Five Audiences

Built for brands, publishers, retailers, lenders and EV dealers alike.

The same underlying infrastructure serves five very different businesses — none of them an afterthought to the others.

For Brands

Sell in more places, finance more sales.

Distribution onto ONDC and banking apps, EMI at checkout for high-AOV items, influencer-led demand, and analytics that tell you where to spend next ad rupee.

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For Publishers & Apps

Monetise traffic you already have.

A white-label marketplace or ONDC buyer app, built into your own site or app. DPanda handles catalog, fulfilment and payments — you collect commission on every sale.

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For Banks & NBFCs

Reach new borrowers, promote your own instrument.

Power EMI approvals across 9,000+ retailers as a lending partner, or run your own white-label marketplace with BIN-locking and brand-funded subvention to acquire users.

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For Retailers

Your own lending engine, without becoming a lender.

Offer EMI at point-of-sale or online checkout, backed by DPanda's NBFC and fintech lender network — no in-house credit team, no separate integration per bank.

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For EV Dealers

Financing built for EV, not bolted onto retail.

A dedicated lending engine integrated directly with your vehicle tracking platform — financing and asset monitoring run on one system, in DPanda's fastest-growing category.

Explore for EV Dealers

For Investors

$2.25M raised, ₹100Cr+ distributed in 9 months, growing across five revenue lines.

14 lenders onboard, 100,000+ SKUs live on ONDC, and EV the fastest-growing segment on the rail — every number is current traction, not a projection.

See the Full Traction Story

$2.25Mraised to date

₹100Cr+loans, 9 months

14lenders onboard

100,000+SKUs on ONDC

Trusted by 1,500+ brands, publishers & lending partners reaching 200M+ users

One Problem, Not Five

Every brand has the same problem: CAC is too high, conversions are too low.

DPanda is built as independent components that all point at that one problem. Onboarding is the only required step — Distribution, Discovery, Optimise and Marketing can each be used alone, skipped, or combined, and all four connect into the same Sell layer.

Step Zero

Onboarding

One Shopify, WooCommerce or Magento install — under a minute, no theme edits.

Required for all Install Shopify App

Distribution

Get your catalog in front of buyers who aren't on your site yet

BanksONDC

Discovery

Let other traffic — sites, apps, banks — discover your catalog

Sites/AppsBanks/NBFC

Optimise

Know which SKUs deserve ad spend before you commit the budget

AI labels

Marketing

Creators drive demand with automated shoots & virtual try-on

Influencers

Where It All Lands

Sell

Checkout Offline retail

Onboarding and Sell are the only constants. Distribution, Discovery, Optimise and Marketing are each independent — a brand can run just one, skip the rest, or combine all four. Every component reduces CAC or lifts conversion on its own; they compound when used together.

Why It Compounds

Every turn of the rail makes the next turn cheaper.

Six business activities feed one another in a loop, driven by two numbers at the center — volume and approval rate — that reinforce each other independently of which stage is in motion.

1 · Distribution

Brands and publishers onboard onto the rail, listing across ONDC, banking apps and white-label storefronts.

2 · Checkout

That distributed catalogue reaches shoppers with EMI available at the point of sale, online and offline.

3 · Lender network

Higher transaction volume is what makes DPanda worth integrating for a bank or NBFC — more lenders join to compete for that flow.

4 · Approval rate

More lenders routed in parallel means a rejected application still has somewhere else to go — approval rates rise structurally, not by chance.

5 · Conversion

Higher approval rates turn more browsing into completed, financed sales — the moment financing stops being the reason a sale is lost.

6 · New brands & publishers

Brands and publishers that convert better are the ones who tell others — new participants join the rail, and distribution widens again.

At the center, two numbers compound on their own: more volume draws more lenders, which lifts the approval rate, which drives more volume. Every outer stage feeds that core loop, and the core loop makes every outer stage easier the next time around.

What We Run

Eight services. One commerce rail.

Use one or use all eight — most plug into your existing Shopify, WooCommerce or Magento storefront; White-Label Marketplace and LOS integrate directly with your website, app, or banking platform instead.

Integrations

Platform Integrations

Shopify App, WooCommerce and Magento integrations bring every service above — distribution, EMI, influencers, analytics — to your existing storefront.

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Distribution

E-commerce Distribution

We connect your brand with banking apps and marketplaces — SBI Yono, Bank of Baroda, AU Small Finance, ONDC and more — turning every one into a sales channel.

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Distribution

ONDC Network

Registered SNP on ONDC, bringing 1,500+ brands live on Bajaj Markets, Hamara Mall, My Store, Digihaat and more.

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Distribution

White-Label Marketplace

Turn your website, app, or banking platform's traffic into commission revenue with a fully managed marketplace — DPanda handles catalog, fulfilment and payments.

Explore

Intelligence

Catalog Analytics

AI-backed, actionable insights for Shopify brands — using bounce rate as a primary signal for smarter Google Ads budget decisions.

Explore

Creators

DPanda for Influencers

Monetisation for influencers through automated video shoots, virtual try-on and direct brand relationships — no inventory, no hassle.

Explore

Checkout

Checkout, EMI & Subvention

Upsell high-value items with EMI and subvention at the moment of checkout — at a retail counter or through our own checkout, available as a Shopify plugin.

Explore

Lending

Loan Origination System

Give retailers their own lending engine. Backed by DPanda's NBFC and fintech relationships, so any retailer can offer EMI to its customers.

Explore

On Shopify? Install the app in 1 minute.

One install gives you Distribution, Catalog Analytics, and ONDC access — no theme edits, no developer needed.

Install on Shopify App Store

Built on Trust

Run by operators who've shipped this before.

DPanda is led by a team with hands-on experience scaling commerce and fintech infrastructure at Google, Amazon and Shiprocket — backed by Accel, Lightspeed, Sauce.vc and Whiteboard Capital.

Gaurav Gupta

CEO & Co-founder, DPanda

Leads all technical architecture across EMI checkout, lender integrations, logistics and the LOS lending engine — previously at Google, Amazon and as CTO of Shiprocket.

Anuj Vohra

Co-founder, DPanda

Co-founder of DPanda, building the brand, distribution and partner network that powers the rail end to end.

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DPanda in the news

Get Started

Ready to put your business on the rail?

Whether you're a brand, a publisher with traffic, or a bank or NBFC — tell us which service fits and we'll set up a walkthrough within one business day.

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