For young consumers navigating festive shopping and monthly cash flow, paying for a purchase all at once is no longer the only option. POP, the fintech and commerce platform for Gen Z and young India, has launched POPchop, a Pay-in-3 offering in partnership with LazyPay.
The offering allows eligible POP users to split purchases on POPshop into three payments over three months, with ₹0 payable at checkout and no hidden charges. POP says a majority of its users are eligible, while around 40% of early POPchop users are accessing credit for the first time.
The launch comes ahead of India’s peak festive shopping period from October to December, when spending typically rises across categories including fashion, electronics, gifting, travel and lifestyle. POPchop aims to give young consumers greater flexibility to manage these seasonal spends without paying the full amount upfront.
Credit, but inside the shopping journey
With more than two million users, POP has built a Pay–Earn–Shop ecosystem spanning UPI payments, POPcoins rewards and commerce. POPchop marks its entry into embedded credit, bringing the offering into an ecosystem where consumers already pay, earn and shop.
The product is enabled through partnerships with regulated lending institutions, including PayU Finance India Private Limited, with LazyPay as a partner. Additional lending partners are expected to join over time. Eligibility, credit limits and underwriting decisions remain with the respective lending partners.
Early adoption suggests an appetite for the format. Nearly 20% of POPshop orders were placed through POPchop during its limited rollout. Around 40% of early customers were accessing credit for the first time, while 60% returned to shop again the following month.
According to POP, early users are also turning to POPchop for larger monthly purchases and higher-value products, using the option to manage spending against their monthly cash flow.
“POPchop is our biggest product bet on how young India is changing the way it uses credit. For many consumers, the challenge is not necessarily affordability but managing the timing of purchases against monthly cash flow, and working with LazyPay has helped us bring this flexibility directly into the shopping journey, making it simpler for eligible users to spread their payments over time. Two in five of our early POPchop users are accessing credit for the first time, which makes transparency and responsible usage especially important. By bringing flexible credit into a platform where young consumers already pay, earn rewards and shop, we want to give them greater control over how they manage their money,” says Bhargav Errangi, Founder, POP.
Ankit Nahata, Business Head, LazyPay, says, “Young consumers are increasingly looking for financial products that offer flexibility and transparency while fitting naturally into their everyday shopping journeys. Our partnership with POP brings together POP’s strong engagement among digitally native consumers with LazyPay’s experience in delivering convenient, digital credit solutions. By enabling Pay-in-3 within POPshop, we are making flexible credit more seamlessly accessible at the point of purchase, while maintaining a focus on responsible usage and transparency. This partnership reflects our broader effort to build digital credit solutions that are relevant to the evolving needs of India’s consumers.”
A festive sale to put it to work
POP is also pairing the launch with its 45-day festive sale, ‘POP goes Ulta Pulta – Zero Sense Deals’, which went live on September 30 on POPshop.
The sale combines shopping offers with POPcoins discounts of up to 50–60% on eligible purchases, additional rewards and prize opportunities, including an iPhone Duo. Eligible customers can use POPchop to shop with ₹0 upfront and split purchases into three instalments over three months.
The sale will feature brands including New Balance, Google Fitbit, Skullcandy, Mokobara, Comet, Cumin Co., Samsonite, PALMONAS, American Tourister, Wonderchef, NUUK, Nobero, Frido and Cult, across fashion, fitness, travel, beauty, wellness, electronics and lifestyle.
Founded in 2023 by former Flipkart executive Bhargav Errangi, POP is now adding credit to its Pay–Earn–Shop proposition, betting that for young consumers, the question is not always whether they can afford something, but when they want to pay for it.
