← State of Embedded Finance 2026

Juspay

Can a payments orchestration and checkout infrastructure company built on India's UPI ecosystem expand into a global open-source payments OS that competes with proprietary orchestration layers?

Founded2012
HQBengaluru, India
Total raised$197.6M
Latest roundSeries D, 2026
IndustryInfrastructure / Payments
The story

Founded in 2012 as a checkout and payments SDK company for Indian e-commerce, Juspay expanded from mobile checkout SDKs into full payment orchestration infrastructure, becoming the backend for major Indian apps including Amazon India, Swiggy, and Flipkart. The company pivoted globally around 2022–2023 with Hyperswitch, an open-source payments orchestration platform targeting international merchants and competing with Stripe and Adyen at the orchestration layer. Simultaneously, Juspay deepened its India-specific embedded finance stack with UPI infrastructure (HyperUPI), embedded lending (HyperCredit), and global payouts — positioning itself as a full-stack payments infrastructure provider for both India and global markets.

Last 12 months
2024-01
2025-04
Product timeline
2012
Founded as a payments technology company focused on simplifying checkout and payment flows for Indian merchants.· pivot
2018
Launched HyperCheckout, a native 1-click checkout and payment orchestration product for enterprise merchants in India.· banking
2021
Launched HyperUPI, a 1-click UPI payments stack achieving 90%+ success rates, enabling merchant platforms to embed UPI natively.· banking
2022
Launched Hyperswitch, an open-source composable payments platform for global merchants supporting 300+ PSPs.· pivot
2023
Launched HyperCredit, an embedded credit and lending marketplace for merchants, integrating multiple lenders for EMI and BNPL at checkout.· lending
2024
Rolled out HyperUPI with Yes Bank for merchant platforms, expanding UPI issuing infrastructure partnerships.· banking
2025
Launched Hyperswitch Prism, an open-source stateless payment connector abstraction library supporting 60+ connectors and 30+ unified APIs.· pivot
The stack
Payments / PSP
Juspay Hyperswitch (self-operated)Juspay HyperCheckout (self-operated)Juspay Express Checkout (self-operated)Wise Platform (payout connector)CCAvenue (integrated connector)300+ PSPs via Hyperswitch connectors (self-operated orchestration)
Lending
Multiple lender partners (unnamed) via HyperCredit marketplaceHyperCredit (embedded credit engine for merchants)Loan Marketplace (end-customer loan/credit facility via partner lenders)EMI options (Standard EMI, Low-cost EMI, No-cost EMI)Cardless EMIInstant Loans at checkoutBNPL (Buy Now Pay Later)
FX & payouts
Wise Platform
Accounting gap: minor