Built for smarter India
Since 2019, Upay has been building next-generation payment infrastructure for millions of Indians.
We believe money should move at the speed of trust.
Upay was born from a simple frustration: why is sending money in India still complicated, slow, and expensive? We set out to change that — building payment infrastructure that's fast, fair, and available to every Indian, regardless of where they live or how much they earn.
- ✓RBI regulated — fully licensed payment aggregator
- ✓Zero data selling — your financial data is never monetised
- ✓Bank-grade 256-bit encryption on every transaction
- ✓24/7 fraud monitoring with real-time anomaly detection
What drives us every single day
Three core values that shape every product decision, every hire, and every line of code we write.
Transparency
No hidden charges, no fine print surprises. We show you exactly what you pay, what you earn, and how your money moves — always.
Speed
Money should move in milliseconds, not hours. We obsess over latency, uptime, and settlement speed so your payments are always instant.
Security
Your money and data are sacred. Bank-grade encryption, 24/7 fraud monitoring, and zero tolerance for breaches — backed by NPCI certification.
Our journey, your trust.
Five years of building India's most trusted financial platform — one milestone at a time.
Upay founded in Mumbai, NPCI integration
Three engineers quit Google and Goldman Sachs to build India's most rewarding payment app. Seed round from Sequoia Capital.
10M users, BBPS certified
Crossed 10 million active users and received our RBI Payment Aggregator license. Launched India's highest-yield savings account.
₹1,000Cr monthly GMV, credit card launch
Achieved full NPCI certification, reached ₹1,000 Cr monthly GMV, and launched India's most rewarding credit card.
50M users, international expansion
Crossed 50 million active users and began international expansion. Rated #1 on App Store and Play Store.
Be part of the Upay story — we're hiring
Join a world-class team building the financial infrastructure of tomorrow's India.