super.money
- Company typePrivate
- Founded2023
- HeadquartersBengaluru, India
- Headcount251–500
- GTM typeB2B and B2C
- OfferingSoftware
What super.money does
super.money is a Bengaluru-based fintech super-app operated by Scapic Innovations Private Limited, a wholly-owned subsidiary of the Flipkart Group (Walmart-backed). Launched in mid-2024, the platform is NPCI-authorized as a Third Party Application Provider (TPAP) operating on UPI rails via sponsor PSP Yes Bank, and positions itself as a credit-first payments app offering up to 5% guaranteed cashback on UPI merchant transactions. The product portfolio is built around six modular offerings: superUPI (core payments with cashback), superCard (RuPay credit cards co-branded with Axis Bank, Kotak Mahindra Bank via Kotak811, and Utkarsh Small Finance Bank), superCash (personal loan marketplace across 16+ lending partners including IDFC First, EarlySalary, Credit Saison, DMI Finance, and Moneyview), superPayLater (BNPL with 3 interest-free EMIs enabled by the BharatX acquisition), superDeposit (fixed deposits from partner banks with up to 9% interest), and super.money Breeze (a 1-click checkout SaaS for D2C brands built in partnership with Juspay).
The business model combines multiple revenue streams: credit card interchange and MDR on RuPay UPI transactions (the key monetization lever since standard UPI is zero-fee), merchant-funded cashback, B2B SaaS subscription revenue from Breeze (starting at INR 999/month), and affiliate/referral fees from lending partners and FD distribution. The go-to-market is product-led growth anchored on cashback incentives and celebrity/IPL marketing (Salman Khan endorsement, ~40% of marketing budget allocated to IPL 2026), supplemented by bank partnership distribution for credit products. The company has scaled to 10 million+ active users, 270 million+ monthly UPI transactions, and #5 position among India's UPI apps, with 72% of users under 30 and 50%+ from Tier 2/3 cities. Reported annualized revenue is approximately $36M as of October 2025, with a stated $100M revenue target for 2026 and an active $60-100M fundraise at a projected $1B unicorn valuation.
super.money firmographics
Firmographics- Name
- super.money
- Legal name
- Scapic Innovations Private Limited
- Website
- https://www.super.money
- Company type
- Private
- Founded year
- 2023
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Ownership category
- akta.pro rank
super.money industry classification
Industry- Product category
- Digital Payments / Consumer Fintech
- NAICS
- Credit Card Issuing (52221), Sales Financing (52222)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Super-App Wallets & Mini-Program Payments (FSAMAEAE)
- akta.pro secondary industries
- Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB), BNPL Consumer Apps & Wallets (Discovery, Management) (FSAGAIAG), Large Purchase & Lifestyle Personal Loans (Unsecured Installment) (FSAKAAAG)
Keywords
Where super.money is headquartered
LocationHeadquarters
- HQ city
- Bengaluru
- HQ country
- India
- HQ region
- Asia
Offices3 records
Markets served
super.money business model
Business model- GTM type
- B2B and B2C
- Offering type
- Software
- Cost components
- Marketing or Sales, Technology or R&D, Personnel, Operations, Infrastructure
Revenue model
- Credit Card Interchange & MDR: Merchant Discount Rate (MDR) and interchange income from RuPay credit card UPI transactions, which unlike standard UPI generate revenue per transaction. Axis Bank card offers 3% cashback on UPI spends; super.money captures the interchange spread.
- Cashback-Funded Rewards: Merchant-funded cashback rewards (up to 5%) driving user acquisition and engagement, with merchants paying for visibility and transaction volume.
- Breeze Checkout SaaS Fees: Monthly subscription pricing (starting from INR 999/month) for D2C brands using the 1-click checkout solution, with additional value from conversion improvements and RTO reduction.
- Lending Partnership Facilitation: superCash product facilitating personal loans from 16+ lending partners; revenue derived from loan origination fees and referral arrangements with partner lenders (Axis Bank, IDFC First, EarlySalary, Credit Saison, DMI Finance, etc.).
- Fixed Deposit Distribution: superDeposit product offering FDs from partner banks (up to 9% interest), potentially earning referral/distribution fees from partner institutions.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Breeze 1-Click Checkout - Starting Tier |
| Other | Pay-as-you-go | superDeposit Fixed Deposits |
| Usage-based | Pay-as-you-go | superCash Personal Loans |
| Transaction based/ take rate | Pay-as-you-go | superUPI Cashback |
| Other | Pay-as-you-go | Axis Bank SuperMoney Credit Card |
| Other | Pay-as-you-go | Kotak811 SuperMoney 3-in-1 Account |
| Other | Pay-as-you-go | Utkarsh SuperMoney Credit Card |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels6 records
super.money product offering
Product offeringCore offering
super.money is a consumer fintech super-app providing UPI payments with up to 5% guaranteed cashback, co-branded RuPay credit cards (via Axis Bank, Kotak Mahindra Bank, Utkarsh Small Finance Bank), fixed deposits, personal loans through a marketplace of 15+ lending partners, BNPL (superPayLater), and an AI-powered one-click checkout SaaS (super.money Breeze) for D2C brands. The platform is offered as a free mobile application for consumers and a subscription-based SaaS for merchants.
Product overview
super.money is a full-fledged fintech platform (not just a UPI app) backed by Flipkart Group, operating as a modular portfolio of financial products unified around the UPI payment rails. The core offering is superUPI — a UPI payment app offering up to 5% cashback — which serves as the primary user acquisition channel. On top of this, superCard extends RuPay credit cards (co-branded with Axis Bank, Utkarsh Small Finance Bank, and Kotak Mahindra Bank) integrated with UPI, enabling credit card functionality in the UPI ecosystem. The credit layer includes superPayLater (BNPL with 3-interest-free EMI) and superCash (personal loans marketplace via 15+ lending partners). Additional products include superDeposit (fixed deposits up to 9% interest) and super.money Breeze (one-click checkout API for D2C brands, built with Juspay). The platform targets young, digitally-native users in India, with 72% of users under 30 and over 50% from Tier 2/Tier 3 cities.
Differentiator
Problem solved
Functional benefit
Brands
- super.money Breeze: One-click checkout solution for D2C and enterprise brands, powered by AI and insights from 500M+ shopper profiles
- superUPI
- superCard
- superDeposit
- superCash
- superPayLater
Products and services
- superUPI UPI payment application enabling bank-to-bank transfers, merchant scan-and-pay, and person-to-person payments with up to 5% guaranteed cashback on merchant UPI transactions. Targeted at Indian consumers for daily digital payments.
- superCard Co-branded RuPay credit card offered through partnerships with Axis Bank, Kotak Mahindra Bank, and Utkarsh Small Finance Bank. Combines credit card convenience with UPI speed and offers assured cashback on UPI scans, including lifetime-free FD-backed variants for first-time borrowers.
- superDeposit Fixed deposit product allowing users to open FDs starting from Rs. 100 with interest rates up to 9% from partner banks. Includes bundled benefits such as a free superCard and up to 5% additional cashback on UPI transactions.
- superCash Personal loan marketplace connecting users with 15+ lending partners (Axis Bank, IDFC First, EarlySalary, Credit Saison, DMI Finance, Moneyview, etc.). Offers instant pre-approved loans at interest rates starting from 10.49% per annum with paperless processing.
- superPayLater Buy Now, Pay Later product allowing users to split purchases into 3 interest-free EMIs, with one-third paid upfront and the remaining balance over two months. Built on checkout financing technology acquired from BharatX.
- super.money Breeze AI-powered one-click checkout solution for D2C and enterprise brands, built in collaboration with Juspay. Features 98-99% address pre-fill, instant OTP read, RTO risk scoring from 500M+ shopper profiles, and payment orchestration across 300+ payment gateways. Subscription pricing from INR 999 per month, claims 40% conversion boost and 30% RTO reduction.
- UPI Flight Booking via Cleartrip Domestic flight booking service integrated within the super.money app via Cleartrip partnership, allowing users to book flights and earn rewards on UPI payments.
Quantifiable outcome
- 242.2% download growth and 100X transaction surge over 12 months (2025)
- +3 more outcomes
Companies that use super.money
Customer profileNamed customers5 records
Segments4 records
Ideal customer profiles2 records
super.money technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration22 records
AI capability5 records
Feature3 records
super.money partnerships and signals
Strategic signalPartnerships
14 partnerships are on record, tiered core, flagship and minor.
- BharatXcoreAcquired BharatX in February 2025 to strengthen credit offerings. BharatX's BNPL and checkout financing technology integrated into super.money for EMI and installment payment options on UPI.
- JuspayflagshipStrategic collaboration for super.money Breeze 1-click checkout solution. Juspay provides payment infrastructure (300+ PA/PG routing), SDK, and checkout technology. Part of Breeze product incubated jointly with Juspay. super.money Breeze helps Juspay rebuild merchant relationships after losing major clients.
- Axis BankflagshipCo-branded Axis Bank SuperMoney Credit Card (Lifetime Free) offering 3% cashback on UPI spends via super.money, 1% on other spends. Joint product development and revenue sharing on interchange.
- Kotak Mahindra Bank (Kotak811)flagshipPartnership for Kotak811 SuperMoney 3-in-1 SuperAccount combining savings, UPI payments, and secured RuPay credit card. Targets issuing 2 million secured credit cards within 12 months (60% for first-time borrowers) and 5 million within 2 years.
- Utkarsh Small Finance BankcoreCo-branded Utkarsh SuperMoney Credit Card (Lifetime Free FD-Backed) with cashback on UPI spends and special flat cashback on Flipkart, Myntra, and Cleartrip. IPL promotion with match tickets for top card applicants.
- CleartripminorTravel category partnership enabling domestic flight booking through super.money app with rewards. Part of expanding super.money beyond payments into lifestyle financial services.
- Axis Bank (Lending)corePersonal loan lending partner through superCash product. 3-level grievance escalation with Axis Bank GRO, Principal Nodal Officer, and customer care channels.
- IDFC First BankcorePersonal loan lending partner through superCash facilitation. Provides customer care, nodal desk, and PNO contacts for grievance redressal.
- EarlySalary ServicescorePersonal loan lending partner for instant credit through superCash. GRO Mr. Amit Nosina handles grievances; Pune-based digital lender.
- Credit Saison IndiacoreDigital lending partner through superCash platform. Grievance handling through Emaad Khan. Bengaluru-based joint venture.
- DMI FinancecorePersonal loan facilitation through superCash. Full grievance redressal and contact infrastructure established.
- MoneyviewcoreLending partner (WhizDM Innovations Pvt. Ltd.) through superCash. GRO Rishov Bhattacharjee in Bengaluru.
- Yes BankcoreSponsor PSP (Payment Service Provider) bank for UPI services. Yes Bank is the RBI-recognized bank partner enabling super.money's UPI operations as NPCI-authorized TPAP.
- NPCIcoreNational Payments Corporation of India - regulatory body overseeing UPI. super.money is an authorized Third Party Application Provider (TPAP). NPCI co-sponsors IPL promotions with super.money.
Scale indicators15 records
Recent moves7 records
Expansion highlights7 records
super.money competitors and assessment
Company assessmentDirect peers
- PhonePe: India's largest UPI app with ~48% market share. Direct competitor in UPI payments and increasingly in credit distribution; was formerly part of Flipkart ecosystem creating awkward competitive dynamic for super.money.
- CRED: Premium fintech app offering UPI payments, credit card bill pay, and credit product distribution. Targets high-credit-score users (inverse of super.money's first-time borrower focus) but overlaps on cashback rewards and credit card monetization.
- Amazon Pay India: UPI payments and digital wallet integrated within Amazon India ecosystem. Competes in UPI space and offers consumer credit products; backed by a global e-commerce conglomerate similar to Flipkart/super.money structure.
- Paytm: India's listed fintech super-app offering UPI payments, wallets, credit cards, BNPL (Paytm Postpaid), and merchant lending. Closest comparable as a multi-product UPI-anchored fintech with similar merchant and consumer credit distribution model.
- MobiKwik: Listed Indian digital payments and fintech platform offering UPI, wallets, BNPL (Zip), and personal loans. Smaller UPI player alongside super.money among NPCI's "smaller players" category, with similar focus on credit product distribution.
- Google Pay India: Holds ~37% of India's UPI market. Direct competitor in consumer UPI payments with strong brand and merchant relationships, though less focused on credit-on-UPI distribution.
Emerging players
- Paisabazaar: India's leading credit marketplace and loan comparison platform, now part of Policybazaar group. Direct comparable for super.money's superCash lending marketplace aggregating multiple bank and NBFC partners.
- Niyo Solutions: Digital banking and payments platform offering UPI, savings accounts, and credit products targeting salaried employees. Overlaps on banking-on-UPI integration with super.money's superCard and superDeposit products.
- Jupiter (by Zolve): Neobank offering UPI, savings accounts, and credit products targeting young Indian professionals. Competes in similar demographic and credit-on-UPI positioning, though more focused on full banking experience than payments-first.
- Slice (by North East Venture Fund): Indian fintech offering credit cards, BNPL, and UPI payments targeting young users. Direct competitor in the youth credit-card-on-UPI segment that super.money targets with superCard and superPayLater.
Market position
Strengths5 records
Weaknesses4 records
Competitive moat6 records
Key risks6 records
Key highlights6 records
Customer concentration
super.money social profiles
Digital presencesuper.money compliance and trust
Trust signalCompliance3 records
super.money financial estimates
Financial estimateRevenue estimate
Valuation estimate
super.money leadership team
Management profileNumber of profiles
Profiles2 records
super.money subsidiaries and ownership
Company hierarchySubsidiaries1 record
super.money funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
super.money M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about super.money
What does super.money do?
super.money is a consumer fintech super-app providing UPI payments with up to 5% guaranteed cashback, co-branded RuPay credit cards (via Axis Bank, Kotak Mahindra Bank, Utkarsh Small Finance Bank), fixed deposits, personal loans through a marketplace of 15+ lending partners, BNPL (superPayLater), and an AI-powered one-click checkout SaaS (super.money Breeze) for D2C brands. The platform is offered as a free mobile application for consumers and a subscription-based SaaS for merchants.
Is super.money a public or private company?
super.money is a private company. It is classified as corporate owned and is currently operating.
When was super.money founded?
super.money was founded in 2023. It employs 251 to 500 people.
Where is super.money based?
super.money is headquartered in Bengaluru, India, in the Asia region.
How does super.money make money?
Five revenue lines are on record. Credit Card Interchange & MDR is the primary driver. The others are cashback-Funded Rewards, breeze Checkout SaaS Fees, lending Partnership Facilitation and fixed Deposit Distribution.
Who are super.money's main competitors?
Direct peers on record are PhonePe, CRED, Amazon Pay India, Paytm, MobiKwik and Google Pay India. Emerging players are Paisabazaar, Niyo Solutions, Jupiter (by Zolve) and Slice (by North East Venture Fund).
Does super.money have an API?
No public API is recorded for super.money.
What industry is super.money in?
super.money's product category is Digital Payments / Consumer Fintech. Its primary akta.pro industry code is FSAMAEAE, Super-App Wallets & Mini-Program Payments, with a secondary code of FSAGALAB, Embedded Payments (Pay-ins, Pay-outs, Wallets). Its NAICS code is 52221 and its SIC code is 6163.