The Bharat opportunity
India has 13 million retail outlets. Fewer than 8% currently offer EMI. That gap is the single largest growth lever for formal consumer credit in the country.
How ZepCart works in low‑bandwidth locations
The merchant portal is optimised for 3G networks and low‑cost Android devices. Every screen degrades gracefully — signature capture, document upload, OTP verification and eSign all work over patchy connections and auto‑resume when signal returns.
- Under 2 MB initial page weight on the merchant shell
- Offline‑safe lead drafts — save now, submit later
- Vernacular customer communication (Hindi, Tamil, Telugu, Bengali)
- Cash collection add‑on for down payment reconciliation
Trust building in remote markets
Rural customers trust the shopkeeper, not the app. ZepCart's B2B2C model keeps the merchant at the centre of the experience. Loan approval, EMI schedule and welcome messages all carry the merchant's branding.
Frequently asked questions
Is a bank account mandatory for the customer?
Yes. A bank account is required for NACH auto‑debit. Jan Dhan accounts are accepted by most partner NBFCs.
Do I need broadband internet?
No. A basic 4G smartphone with 500 MB free data per day is enough to run the ZepCart merchant portal end to end.
Want ZepCart at your store?
ZepCart onboards merchants by invitation. Talk to our team to activate no‑cost EMI, EV finance and consumer‑durable loans at your counter.
Request an invitation