Quick commerce unicorn Zepto has introduced an in-app UPI payments feature, enabling users to complete transactions within its platform without being redirected to third-party applications, according to media reports.
The new functionality allows customers to make UPI payments directly inside the Zepto app, bypassing external services such as Google Pay, PhonePe and Paytm, thereby streamlining the checkout process. While the company has not formally announced the rollout, the option has reportedly become available to a section of users.
To use the feature, customers are required to link their bank account through the app’s payment settings and activate UPI, after which payments can be authorised by entering the UPI PIN within the app.
The move reflects a wider shift among consumer internet platforms towards embedding digital payments as companies seek greater control over transaction flows and user experience. Food and grocery delivery firms have increasingly adopted in-house UPI solutions over the past year.
Swiggy launched its in-app UPI service in 2024 using the National Payments Corporation of India’s UPI Plug-in, stating in a blog post that the integration was intended to reduce payment failures and speed up checkouts. Zomato, meanwhile, introduced a UPI offering in partnership with ICICI Bank, allowing users to create a Zomato-linked UPI ID and complete real-time payments within the app.
According to the media report, Zomato’s model functions more like a dedicated UPI handle issued through a banking partner rather than a plug-in-based solution.
Zepto’s payments rollout comes amid preparations for a public listing. The company has reportedly filed draft papers with market regulator Sebi to raise Rs 11,000 crore through an initial public offering under the confidential route. The startup is targeting a stock market debut later this year, which would see it join listed peers Zomato and Swiggy.