Be Part of India's Digital Payment Revolution
ZenoxPay is building next-generation UPI payment infrastructure that powers businesses across India. With proven traction and a clear path to scale, we're seeking strategic partners to accelerate our growth.
₹15Cr+
Monthly Volume
500+
Active Merchants
99.9%
Success Rate
Pre-Money Valuation
₹18Cr
Based on 10x Annual Revenue Multiple
Round closing: Q1 2026
The Problem We're Solving
The Challenge
- Complex Integration: Traditional payment gateways require weeks of development time and technical expertise
- High Failure Rates: Industry average success rate is 85-90%, causing revenue leakage
- Poor Settlement: T+2 or T+3 settlement cycles hurt business cash flow
- Limited Support: Most providers offer inadequate customer support for SMBs
Our Solution
- 5-Minute Integration: Simple APIs and SDKs that any developer can implement quickly
- 99.9% Success Rate: Intelligent routing and retry mechanisms maximize transaction success
- Instant Settlement: T+0 settlement options to improve merchant cash flow
- 24/7 Support: Dedicated support team with less than 5 minute response time
Massive & Growing Market
India's UPI ecosystem is one of the fastest-growing digital payment markets globally
TAM
₹500L Cr
Total UPI transaction value in India (Annual)
SAM
₹50L Cr
B2B & SMB merchant payment processing
SOM
₹5,000 Cr
Target market with current infrastructure
UPI Market Growth Trajectory
14B+
Monthly UPI Transactions (2025)
350M+
Active UPI Users
₹20L Cr
Monthly Transaction Value
80%
Digital Payment Share
Numbers That Speak
Strong unit economics with consistent month-over-month growth
₹15Cr+
Monthly Processing Volume
+20% MoM Growth
500+
Active Merchants
Across 15+ Industries
₹1.8Cr
Annual Revenue (ARR)
Revenue Positive
99.9%
Transaction Success Rate
Industry Leading
Our Journey & Milestones
Company Founded
Started with a vision to simplify UPI payments for businesses
First 100 Merchants
Crossed ₹1 Cr monthly processing volume with 100+ merchants
₹10 Cr Monthly Volume
10x growth in processing volume with 300+ active merchants
₹15 Cr+ Monthly Volume
500+ merchants, revenue positive, raising Pre-Series A
How We Make Money
Multiple revenue streams with strong unit economics
Transaction Fees
Per-transaction fee on every successful payment processed through our platform
Average Take Rate
0.8-1.2%
Value-Added Services
Premium features like instant settlement, advanced analytics, and priority support
Premium Adoption
35%
Float Income
Interest earned on funds held during settlement cycle
Revenue Contribution
15%
Unit Economics Snapshot
₹2,500
Customer Acquisition Cost
₹45,000
Lifetime Value (LTV)
18x
LTV/CAC Ratio
95%
Gross Margin
Our Competitive Advantages
What sets us apart from the competition
Superior Technology
Modern API architecture with 99.99% uptime. Intelligent routing ensures highest success rates in the industry.
5-Minute Onboarding
Fastest onboarding in the industry. No-code solutions for non-technical merchants, full API for developers.
Competitive Pricing
15-30% lower fees than incumbents with transparent pricing. No hidden charges or lock-in contracts.
White-Glove Support
24/7 dedicated support with less than 5 minute response time. Personal relationship managers for all merchants.
Regulatory Strength
Fully compliant with RBI, NPCI guidelines. Strong partnerships with licensed banks and payment aggregators.
Data Intelligence
Advanced analytics and insights help merchants optimize their payment flows and reduce failed transactions.
Meet The Team
Experienced founders with deep fintech and payments expertise
Backed by experienced advisors from leading fintech companies, banks, and payment networks who provide strategic guidance on scaling, compliance, and partnerships.
Strategic Capital Allocation
Every rupee invested will be deployed to accelerate growth and strengthen market position
Technology & Product
Expand engineering team from 5 to 15. Build advanced features including AI-powered fraud detection, multi-currency support, and credit line products.
Sales & Marketing
Build sales team across 5 major cities. Launch brand campaigns and partner acquisition programs to reach 2,000+ merchants.
Operations & Compliance
Security certifications (PCI-DSS Level 1), compliance infrastructure, and operational scaling for 10x volume growth.
Working Capital
Reserve for growth opportunities, strategic partnerships, and market expansion buffer.
Investment Terms
Projected Milestones with This Round
- ₹50 Cr monthly processing volume
- 2,000+ active merchants
- ₹6 Cr ARR within 18 months
Built on Trust
Partnered with industry leaders and fully compliant with regulations
RBI Compliant
Payment Aggregator Guidelines
NPCI Certified
UPI Infrastructure Partner
PCI-DSS
Level 2 Certified
ISO 27001
Information Security
Our Banking & Payment Partners
Investor Questions
Common questions from potential investors
Our moat is built on three pillars: (1) Superior technology with 99.9% success rates vs industry average of 85-90%, (2) Deep merchant relationships built through white-glove support, and (3) Proprietary data intelligence that improves payment success over time. Our 5-minute onboarding creates significant switching costs once merchants integrate.
Key risks include: (1) Regulatory changes in payment aggregator guidelines, (2) Competition from larger players like Razorpay/PayU, and (3) Dependency on banking partners. We mitigate these through strong compliance practices, differentiated SMB focus, and multi-bank partnerships.
We're already revenue positive with 95% gross margins. Our path to operating profitability: (1) Scale to ₹50 Cr monthly volume to achieve economies of scale, (2) Expand value-added services to increase ARPU, (3) Maintain CAC efficiency through product-led growth. Targeting break-even within 24 months post-funding.
The fintech sector has seen strong M&A activity with strategic acquirers (banks, large tech companies) and financial sponsors actively acquiring payment infrastructure companies. Recent exits in the space: BillDesk ($4.7B), PayU India acquisitions, Juspay fundraises. IPO route also viable at scale with examples like Paytm, PhonePe.
40% on technology & product (expand engineering team, build new features), 30% on sales & marketing (build sales team, customer acquisition), 20% on operations & compliance (PCI-DSS Level 1, security infrastructure), and 10% as working capital reserve. Detailed use of funds available in our data room.
Clean cap table with founders holding 100% equity pre-round. This is our first institutional raise. ESOP pool of 10% reserved for future hires. Post this round, founders will retain 85-90% ownership, ensuring strong alignment with investors.
Express Your Interest
Fill out the form and our founding team will reach out within 24 hours to schedule a call
Prefer to reach out directly? Email us at investors@zenoxpay.com
Ready to Join Our Journey?
Be part of the UPI revolution. Invest in a company that's building the future of digital payments in India.
Round closing Q1 2026 | Minimum ticket: ₹25 Lakh