Real-time processing
Authorize and process transactions in real time across card and UPI rails with consistent latency.
Digital payments
Move money, accept payments and secure every transaction
A modern payments stack for banks to process, authenticate, route and manage every kind of digital payment, from cards and UPI to wallets, bill payments, FASTag and account transfers.
One payments stack. Every payment flow.
Zeta brings payment processing, transaction security and fraud controls onto a common payments foundation, so banks can launch new payment products without building another technology stack for every rail.
Real-time transaction processing across cards, UPI and other payment flows.
Secure connectivity across payment networks, banking infrastructure and digital channels.
Intelligent routing and orchestration for reliable, scalable payment experiences.
Frictionless authentication designed to protect transactions while maintaining a smooth experience.
Real-time fraud detection and risk controls across payment journeys.
Efficient clearing and settlement processes across multiple payment rails.
Universal Payments Switch
One switch for every payment rail
Common transaction-processing engine across card and UPI payments, giving banks a single foundation for routing, authorization, transaction lifecycle management, network connectivity, reconciliation and settlement.
Routing & Authorization
Configurable routing and authorization rules that banks can adapt without re-platforming.
Network integrations
Connectivity to card networks, NPCI and the wider payments ecosystem out of the box.
Lifecycle management
Manage the full transaction lifecycle including reversals, refunds and cancellations.
Controls & Risk
Limits, velocity controls, fraud and risk integration and authentication orchestration.
Settlement & Operations
Reconciliation, clearing and settlement, operational workbenches, reporting and audit trails.
Process card transactions with control from authorization to settlement
Zeta provides the transaction-processing foundation for issuing and acquiring environments, supporting authorization, transaction controls, reversals, refunds, clearing, settlement and operational management across the card lifecycle.
The complete transaction lifecycle
01
Authorize
Real-time authorization and transaction validation
02
Control
Limits, velocity rules, merchant controls and risk policies
03
Process
Purchases, cash withdrawals, reversals, refunds and other events
04
Clear
Network clearing and associated transaction records
05
Settle
Settlement flows, reconciliation and exceptions
06
Operate
Visibility and control across the transaction lifecycle
One UPI switch. Both sides of the rail.
Run issuer and acquirer UPI on one real-time foundation, and build differentiated UPI products without stitching together separate stacks.
One architecture for payer and merchant journeys, from VPAs to acceptance, settlement and ecosystem integration
CASA, prepaid, card and credit-line funding
UPI onboarding and VPA management
Debit, refund, reversal and cancellation
UPI PIN management
Credit on UPI
Merchant onboarding
QR and acceptance management
Merchant hierarchy
Transaction processing
Settlement and fund management
PSP and ecosystem integrations
From transaction processing to everything around it
The switch covers the full operational lifecycle of UPI, including mandates, authentication, disputes, reconciliation and settlement
01
Onboard
Customer and merchant onboarding onto the UPI platform
02
Provision
VPA and account provisioning across funding sources
03
Transact
Real-time payment processing for payer and payee flows
04
Authenticate
UPI PIN, AutoPay and mandate-based authorization
05
Settle
Settlement and fund management across both sides
06
Reconcile
Reconciliation, refunds, reversals and exceptions
Recharge & bill payments
Make bill payments and recharges native to your app
Customers find billers, fetch dues, pay and recharge in the bank's own channels. Zeta connects to NPCI Bharat Connect, aggregators and direct billers, and runs the lifecycle, reconciliation and exceptions behind every payment.
Everything required to run bill payments at scale
Biller & Network connectivity
One interface to Bharat Connect, aggregators and billers
Transaction processing
Discovery, fetch, payment and real-time status
Any payment instrument
UPI, cards, wallets and account-based payments
Reconciliation & Settlement
Automated matching and exception handling
Operations & Reporting
Monitor, resolve failures, report and audit
FASTag
From tag issuance to toll payment
Issue and manage FASTags and process high-volume toll and parking payments, with the connectivity, processing and operations it takes to run at road speed.
Customer experience, authentication and risk controls on one foundation
Digital Payments Wallet
Every payment instrument in one digital wallet
Customers control, manage and pay with cards, prepaid accounts, wallets and mobility instruments in one place.
Built into the hub
Instrument controls
Customers decide how each instrument is used
- Block / unblock
- Domestic & International
- Payment limits
PIN & Authentication
Security settings as self-service
- PIN set & Reset
- Strong authentication
- Contactless controls
Gateway-integrated routing
One payment experience across every instrument
- One checkout across every instrument
- Routing through integrated payment gateways
- Pay with linked third-party cards
Pay by wallet
Use the wallet as a checkout method
Merchants redirect customers into the bank's wallet to pay. Customers pick a card, prepaid account, wallet balance or mobility instrument, and complete the payment without leaving the bank's experience.
- Wallet-based checkout
- Instrument selection
- Unified payment authorization
Built for issuer-grade authentication
Risk-based authentication
Adapts to risk: passkeys for high-value payments, step-up for rapid repeat activity
Interoperable & Modular
Works with any TSP and all card networks, with no vendor lock-in
Issuer-controlled policies
Issuers set authentication rules by product and journey, with a full audit trail of every decision
Standards & Data protection
Tokenization and global security standards; DPDPA compliant and PII-vaulted
Consent-ready
Self-service consent management with a full audit trail, ahead of regulation
Works with your risk stack
Plugs into existing risk engines through APIs, without replacing fraud infrastructure
Certified & Compliant:
ISO 27001
PCI DSS
SOC 2
ACS 2.0
DPDPA
Fraud & risk
Detect transaction fraud in real time
Real-time monitoring, configurable risk rules and fraud-engine integration stop suspicious payments across cards, UPI and other journeys before authorization, without slowing genuine ones.
Built to work with your existing fraud ecosystem
- Real-time risk rules
- Velocity & threshold controls
- Device & behavioral signals
- Risk-based routing
- Authentication orchestration
- Step-up or decline in real time
- Case management
- External FRM integration
- Audit trails & reporting