February 21, 2026
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IPO-bound Zepto introduces in-app UPI payment option to reduce dependence on third-party UPI providers

  • January 7, 2026
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Fast commerce unicorn Zepto has rolled out an in-app UPI funds function, permitting customers to finish transactions inside the Zepto app with out being redirected to third-party cost

IPO-bound Zepto introduces in-app UPI payment option to reduce dependence on third-party UPI providers


Fast commerce unicorn Zepto has rolled out an in-app UPI funds function, permitting customers to finish transactions inside the Zepto app with out being redirected to third-party cost purposes, in line with a Moneycontrol report.

The function permits clients to authorise UPI funds immediately contained in the app, bypassing exterior platforms resembling Google Pay, PhonePe and Paytm.

Whereas Zepto has not made a proper public announcement, the choice has develop into obtainable to a bit of customers.

Clients are required to hyperlink their checking account by way of the app’s cost settings and activate UPI, after which funds could be accredited by getting into the UPI PIN inside the app itself.

The transfer locations Zepto alongside meals supply friends which have constructed their very own in-app UPI flows over the previous yr.

Swiggy launched Swiggy UPI utilizing the NPCI UPI plug-in framework, which permits customers to finish transactions inside the app after a one-time setup. The corporate earlier mentioned the mixing helps cut back checkout time and cost failures by eliminating app switching throughout transactions.

Zomato, in the meantime, rolled out its personal UPI service in partnership with ICICI Financial institution, enabling customers to create a Zomato-linked UPI ID and make real-time funds immediately inside the app. Not like Swiggy’s plug-in-based method, Zomato’s mannequin capabilities extra like a devoted UPI deal with issued by way of a banking associate.

For Zepto, which has been quickly increasing its darkish retailer community and order volumes, tightening the funds expertise aligns with its broader concentrate on pace and reliability.

The rollout additionally comes as the corporate prepares for a public itemizing. Zepto has reportedly filed draft papers with market regulator SEBI to lift round Rs 11,000 crore by way of an IPO below the confidential route, with a possible inventory market debut later this yr.