ZET enters UPI ecosystem with RuPay credit card integration

By Vriti Gothi

ZET has received approval from the National Payments Corporation of India (NPCI) to operate as a Third-Party Application Provider (TPAP), enabling the company to enter the Unified Payments Interface (UPI) ecosystem. The approval allows ZET to launch ZET UPI, through which users can make UPI payments using RuPay credit cards.

The move positions ZET within India’s rapidly expanding UPI landscape, where credit-on-UPI has gained traction following NPCI’s rollout of RuPay credit card integration. By enabling credit-backed UPI transactions, ZET aims to extend credit card functionality into everyday, low-value payments traditionally dominated by bank accounts and debit instruments.

Under the new offering, ZET Credit Card users with an active ZET Plus subscription will receive a flat 2% cashback on all UPI transactions made through the platform. The integration leverages RuPay’s UPI-on-credit-card capability and combines digital payments with tools designed to help users build credit histories.

ZET’s broader strategy centres on expanding access to formal credit for India’s estimated 400 million credit-invisible adults. The company offers secured credit cards aimed at helping users build credit scores above 750, while providing standard credit card benefits. By incorporating UPI into its ecosystem, ZET seeks to embed credit-building behaviour into routine daily spending, increasing transaction frequency and repayment discipline.

“UPI has become the default way Indians transact every day, and NPCI has played a central role in making the experience reliable and accessible,” said Yash Desai, Co-founder, ZET. “Our focus is to meet users where they already are and help them build healthy credit habits without changing how they pay. ZET UPI is designed to fit naturally into daily life while supporting a disciplined and transparent credit journey.”

ZET’s UPI infrastructure is powered by Juspay’s technology stack and operates in partnership with RBL Bank.

The development reflects a broader industry trend of FinTech firms integrating credit products with real-time payment rails to drive deeper engagement and improve financial inclusion metrics. As UPI continues to dominate India’s digital payments ecosystem, the addition of credit-linked functionality offers FinTech platforms an opportunity to monetise transaction flows while supporting users in establishing formal credit profiles.

ZET said its user base is growing at a steady pace month-on-month. With the UPI launch, the company is expanding its product suite to cover routine transactions, aligning daily payment behaviour with long-term credit-building objectives.