Scapia, India’s leading travel fintech platform, today announced the launch of Scapia Pay, its in-app UPI payments product that enables users to earn 5% rewards on everyday UPI transactions using their Scapia Federal RuPay and Scapia BOBCARD RuPay credit cards. Scapia Pay combines high-reward UPI payments with strong privacy safeguards and seamless credit integration, positioning Scapia as a comprehensive financial companion for the modern Indian traveller. 

By bringing payments directly into the Scapia platform, Scapia Pay eliminates the friction of app-hopping - allowing users to plan, book, pay, and transact daily within a single interface, effectively converting everyday spends into travel currency. 

Commenting on the launch, Anil Goteti, Founder & CEO, Scapia, said: “Scapia Pay brings our rewards-first approach to everyday payments. UPI is where India transacts daily, and we’re combining strong rewards, seamless credit integration, and privacy-first design to turn routine payments on RuPay and UPI into meaningful savings toward the next journey.”

Scapia Pay also introduces a seamless one-click RuPay credit card linking process, allowing users to instantly connect their Scapia co-branded credit cards and start earning 5% rewards on every UPI transaction made through them. As a launch offer, users will also receive multiple surprise rewards on transactions made on Scapia Pay.

At its core, the Scapia Pay experience is built around one principle - users should always feel in control of their payments. From proactive safety nudges and first-time payment alerts to consolidated spend views across contacts and merchants, every feature is designed to offer clarity, confidence, and an intuitive snapshot of where money is going.

Key highlights include:

• 5% Rewards on UPI Payments: Earn travel rewards on every UPI transaction made using the Scapia co-branded RuPay credit cards.

• Built-in Fraud Controls: First-time payments are clearly flagged, and unusually high-value transactions trigger smart “heads-up” prompts, adding an extra layer of protection against impersonation and social engineering scams.

• Proxy UPI ID: A custom UPI ID that keeps users’ mobile numbers private during transactions.

• Advanced Spend Tracking: Users can track total payments contact-wise and merchant-wise. Whether monitoring recurring payments to individuals or investments made via UPI to brokerage platforms, Scapia Pay provides a clear, consolidated view of total outflows, helping users stay firmly on top of their expenses.

• One-Click RuPay Credit Linking: Instantly connect the Scapia co branded RuPay credit cards to UPI within the app for a seamless payments experience.

• Intelligent Suggested Contacts: The system recognises periodic behaviour. If a user typically pays someone on the 5th of every month, that contact is surfaced higher automatically around that date.

• Favourites with Smart Keywords: Frequently paid contacts - rent, house help, drivers, cooks, family or friends - can be added as ‘Favorites’ with intuitive tags like “rent” or “meals,” ensuring faster and error-free payments.

The launch comes at a time when UPI has become India’s default payment layer, processing ~20 billion transactions in February 2026 alone, and continuing to expand globally. As digital payments scale, users increasingly expect unified, secure, and rewarding experiences. 

As part of the 2026 Spring Release, Scapia has also introduced several financial management upgrades, including two-click credit card bill payments via Bharat Bill Payment System (BBPS), enabling users to manage and pay multiple credit card bills easily while avoiding late fees and earning rewards. The release also introduces customised holidays under Scapia Trips, for travellers to plan personalised itineraries with support from travel experts. Alongside these updates, new travel upgrades such as International Airport Privilege, along with 400+ new bus routes and 22,000+ experiences, continue to expand and strengthen Scapia’s end-to-end travel ecosystem.

Since inception, Scapia has steadily expanded its ecosystem to meet the evolving needs of modern travellers. What began with a travel-first credit proposition has grown into a multi-category platform spanning flights, bus, trains, stays, visas, experiences, travel shopping, and financial services. Through strategic partnerships with leading banks and financial institutions such as Federal Bank and BOBCARD, Scapia has built strong credit offerings designed for digitally native travellers while continuously introducing new categories that bring planning, spending, and travel rewards into a single integrated experience. 

Scapia Pay and the full Spring Release suite are now live on the Scapia app and website.

About Scapia: Scapia is a travel fintech company driven by the belief that travel enriches both individuals and the world around them. With a commitment to delivering delightful and rewarding experiences at every step, Scapia offers an integrated platform that brings together travel services and financial products. In partnership with leading banks, Scapia offers co-branded credit cards with Federal Bank and BOBCARDS, enabling users to earn travel rewards seamlessly across their spending. Scapia co-branded credit cards today serve users across 17,500+ pincodes in India and are accepted by millions of merchants in over 150 countries worldwide. Scapia is backed by leading investors including Peak XV, Elevation Capital, Z47, and 3STATE Capital.

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