Zepto, the quick-commerce grocery delivery startup, has launched in-app UPI payment options for its users.
This means customers can now pay for groceries and essentials directly within the app, without using external UPI apps, wallets, or saved cards.
The new feature is designed to make checkout faster and smoother, especially for frequent buyers who value convenience and speed.
Why Zepto is Moving to In-App Payments
There are several reasons behind this shift:
Faster, seamless payments: Users no longer need to switch apps or enter UPI details externally, reducing friction.
Better user retention: A smoother checkout can reduce cart abandonment and encourage repeat purchases.
Data control: Processing payments internally gives Zepto access to transaction insights, which can be used for personalised offers and loyalty programs.
Lower dependency on third-party wallets: By handling payments inside the app, Zepto can streamline operations and potentially save on processing fees.
This step reflects Zepto’s push toward greater payment autonomy as it grows.
Trend in Quick-Commerce Platforms
Zepto’s move follows a broader industry trend of integrating native payment solutions.
Many quick-commerce and food delivery companies are internalising payments to control the entire transaction experience and offer customised financial incentives to users.
By managing payments directly, companies can also respond faster with personalised discounts, offers, and loyalty rewards, making the overall experience more attractive to customers.
What It Means for Customers
For Zepto users, the in-app UPI option brings:
A faster and more convenient checkout process
Fewer steps during payment
No need to switch between apps
Access to customised offers tied to UPI transactions
This makes buying groceries and essentials easier, especially for those placing frequent or small orders.
Business Benefits for Zepto
Internalising UPI payments allows Zepto to gather better insights into customer behaviour, helping design targeted marketing campaigns, discounts, and loyalty programs.
It also strengthens Zepto’s competitive position against other quick-commerce platforms, which are increasingly enhancing their payment ecosystems to attract and retain users.
