Zepto launches in-app UPI feature, marking a major upgrade to the checkout experience on India’s fast-growing quick-commerce platform. With this move, users can now make payments directly within the Zepto app using UPI, without switching to third-party payment apps.
The launch is aimed at reducing checkout friction and speeding up orders—critical factors in the ultra-fast grocery delivery business.
What Is Zepto’s In-App UPI Feature?
The in-app UPI feature allows customers to complete payments seamlessly inside the Zepto app.
With this feature, users can:
- Pay using UPI IDs directly within the app
- Avoid redirection to external payment apps
- Complete checkout faster with fewer steps
This improvement is expected to significantly reduce payment drop-offs during peak ordering times.
Why Zepto Launched In-App UPI Now
There are clear reasons why Zepto launches in-app UPI feature at this stage.
Faster Checkout = Faster Delivery
Quick commerce depends on speed. Even small delays during payment can affect the overall delivery promise of 10–15 minutes.
Better User Experience
By keeping users inside the app, Zepto gains:
- Higher conversion rates
- Smoother customer journeys
- Better control over the payment flow
UPI’s Dominance in Digital Payments
India’s UPI ecosystem, regulated by National Payments Corporation of India, has become the backbone of digital payments.
With UPI:
- Transactions are instant
- Adoption is massive across age groups
- Trust levels are high
Integrating UPI directly into the app aligns Zepto with how most Indians already prefer to pay.
How It Benefits Customers
With Zepto launches in-app UPI feature, customers gain:
- One-tap payments
- Reduced app switching
- Lower chances of payment failure
- Quicker order confirmation
This is especially useful during flash orders, discounts, and peak-hour grocery runs.
Strategic Value for Zepto
From a business perspective, in-app UPI gives Zepto:
- Better data insights on payment behavior
- Lower dependency on external payment gateways
- Potential to introduce future fintech features
Analysts say this could open doors to loyalty rewards, cashbacks, or even embedded financial services over time.
Competition in Quick Commerce Heats Up
The move comes as competition intensifies among quick-commerce players. Faster checkout and smoother payments are now key differentiators.
As Zepto launches in-app UPI feature, rivals may be pushed to improve their own payment experiences to match user expectations.
Security and Compliance
Zepto has stated that the in-app UPI feature follows all required security and compliance standards. Transactions remain protected by:
- UPI authentication protocols
- Bank-level security
- User-controlled authorisation
This ensures safety while maintaining speed.
What’s Next for Zepto’s App Ecosystem
Industry watchers expect Zepto to further enhance its app by:
- Expanding payment options
- Integrating rewards and offers
- Improving personalisation at checkout
The in-app UPI feature could be the foundation for deeper fintech integration.
Conclusion
The decision where Zepto launches in-app UPI feature is a smart step in making quick commerce truly frictionless. By cutting payment steps and speeding up checkout, Zepto is strengthening its core promise—fast, convenient grocery delivery. As competition grows, seamless payments could become a key battleground in India’s quick-commerce wars.
