We invest in people

Our investments are a partnership, working with the brightest minds in fintech innovation in high growth markets


Innovation is at the heart of our business

We are always seeking opportunities to further innovation and increase global access to financial services


One of the most active fintech investors worldwide

PayU makes smart investments and acquisitions to give customers access to products that best suit them

PayU is a leading investor in fintech

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We have invested hundreds of millions of dollars in companies over the years and we are always looking for opportunities to further innovation.

We build new business lines and innovative consumer products. Our investments are driven by our focus on developing new capabilities that better serve our customers, giving them access to products that best suit their local needs.

PayU is supported by our parent company, Naspers, one of the largest technology investors in the world.

Latest investments


PayU is investing €110 million in Kreditech to develop its credit business in emerging markets (and support Kreditech’s expansion to new territories). This investment comes after a successful partnership and pilot in Poland.
Press release

Kreditech Group’s mission is to improve financial freedom for the underbanked with the use of technology. Combining non-traditional data sources and machine learning, the company is aiming to provide access to better credit and a higher convenience for digital banking services. The product offerings include consumer loans, a digital wallet and a personal finance manager designed to help customers manage their credit score and plan their spending. Kreditech also offers a “Lending as a Service” model, allowing partners to integrate Kreditech’s credit products via an API into their own platform and services.

Founded in 2012 and headquartered in Hamburg, Germany, Kreditech covers more than 5 markets worldwide, amongst others Russia, Mexico, Spain and Poland. Up until now, the company has processed more than four million loan applications through its subsidiaries. Kreditech’s team of more than 387 people is led by CEO and Co-Founder Alexander Graubner-Müller and is financially backed by world-class investors including PayU, J.C. Flowers, Peter Thiel, and the World Bank’s IFC.

Learn more about Kreditech

Zest Money

PayU, the global FinTech solutions provider announced an investment of USD 3.7 million in the Series A, out of a total $6.5mn funding round, shares of ZestMoney, at a fully diluted pre-money equity valuation of $12.0mn, corresponding to a 20.0% stake in ZestMoney.
Press release 

Founded in 2015, ZestMoney started operations in January 2016, after raising seed capital from Ribbit Capital and Omidyar. ZestMoney operates a B2B2C model where it partners with online merchants to offer consumer finance for online purchases with a ticket size ranging from $75-$1500 (INR 5k-100k) and flexible tenure of up to 24 months.

The company has shown impressive growth in just 10 months of operations, offering a simple & intuitive product, and is building a robust tech platform to drive credit. Given the untapped market potential of consumer credit, a compelling business model, and capable management team, ZestMoney is a solution to reckon in this space.

Learn more about ZestMoney


PaySense, India’s fastest growing digital credit platform, today announced their Series A funding of $5.3 million. The round, was led by Jungle Ventures with participation from Naspers Group and Nexus Venture Partners. The company had raised an earlier round of investment of $2.3 million led by Nexus Venture Partners and prominent global angels.

Founded in 2016, PaySense is a technology and data science company building new age financial products for Indian consumers. PaySense’s first product is a simple, fast and flexible credit platform that provides customers with a variety of credit options for their needs. PaySense EMI is a personalised line of credit similar to a personal loan that can be used to make any purchase, offline or online, instantaneously by putting it on an affordable EMI plan. PaySense offers flexibility in loan plans and repayment options that run over 3, 6, and 9 months and allows the customers to manage their cash flows better.

It is set-up and operated very easily and seamlessly using the Android app or website. One can use the full credit amount available at one time for a big purchase or flexibly use it like a string of multiple EMIs for various smaller purchases, as needed by the consumer. The credit approval of the consumer is instant and free.

Learn more about PaySense


Online credit platform Creditas, announces the closing of a Series B investment round of R$60 million to accelerate the expansion of the asset backed credit in the country. The business plan includes the development of new channels for mass distribution and the reduction of the minimum interest rates of auto equity loans from 2.15% to 1.99% per month.

Creditas (ex-BankFacil) is a digital credit platform focused on secured loans, whose mission is to reduce high-interest expenses in Brazil. Based in São Paulo, Creditas has over 120 employees and uses technology and data intelligence to generate efficiency and reinvent the borrower’s experience. Its hybrid funding model allows it to originate loans using residences or vehicles as collaterals, utilising resources both from institutional investors and financial institutions. Creditas is supported by venture capital funds Redpoint eVentures, Kaszek Ventures, Quona Capital, QED Investors, IFC (World Bank Group), and Naspers Fintech.

Learn more about Creditas

Citrus Pay

PayU & Citrus Pay agree to a $130M landmark deal in Indian fintech. PayU, the global online payment service provider, announced that Citrus Pay, a leading Indian payments technology player, will become part of its Indian operation. PayU’s $130M transaction is the largest ever M&A cash deal in Indian fintech, demonstrating its payments and financial services expansion strategy.
Press Release

Citrus Payments is leading the revolution towards mobile and digital payments across all spheres of a consumer’s life. As India’s fastest growing fintech company, Citrus provides consumer payments and mobile banking services. It partners with the top airlines, utilities, marketplaces, and 9000 other merchants to enable seamless, secure payments for 21 million consumers. Citrus is known for introducing industry-first payment solutions such as contextual payments, P2P payments, 1-click checkout, wallet for cabs, consumer analytics, native mobile app payments etc. Few of the credible merchants associated with Citrus are Amazon, PVR, INOX, BookMyShow, ShopClues, Jet Airways, Indigo, GoAir, Faasos, Grofers, ZoomCar, Airtel, etc.

Citrus Payment’s leaders and MDs, Jitendra Gupta and Amrish Rau are at the forefront of driving digital transformations in the Indian financial services space.