Security by design, not as an afterthought
Every table in the ZepCart database enforces Row-Level Security. A merchant can only see their own leads, their own settlements and their own documents — even a compromised session cannot cross tenant boundaries.
- Encrypted at rest and in transit (TLS 1.3)
- Signed-URL access for every document in the vault — links expire in minutes
- Aadhaar eSign via Signyu — no raw Aadhaar numbers stored
- Least-privilege service roles and admin-only write policies on sensitive tables
- Independent security scans on every deploy
Uptime that respects your billing hours
ZepCart is deployed on a globally-distributed edge network with automatic failover. Planned maintenance is always scheduled outside peak retail hours (10 AM – 9 PM IST).
Settlements you can set your watch by
Once a lead is approved and delivered, the net settlement lands in your bank account by T+1 working day. Every settlement carries a UTR you can search, download or export to Tally / Zoho Books.
Support that speaks your language
Human support in Hindi, English, Assamese, Bengali, Tamil, Telugu, Kannada, Marathi and Gujarati — WhatsApp during business hours, email around the clock, and a dedicated onboarding manager for the first 30 days.
Backed by a real company, not a project
ZepCart is owned and operated by Scorecare Solutions OPC Private Limited — an Indian company with active MCA filings, GST registration and statutory audits. You will always know exactly who you are contracting with.
Frequently asked questions
Is ZepCart PCI compliant?
ZepCart does not store card data. All card and bank transactions are processed by RBI-regulated partners on PCI-DSS compliant infrastructure. Merchant portal access itself is protected by MFA-ready authentication and Row-Level Security.
What is the settlement guarantee?
T+1 working day from lender disbursal. Delays beyond T+2 for reasons other than merchant-side documentation are escalated to a named settlement manager within 4 hours.
How do I audit access to my documents?
Every document view generates a timestamped signed-URL request logged against the user. The audit log is exportable from the Admin Reports module.
Who do I contact if something goes wrong?
The merchant portal has a Support tab with WhatsApp, email and phone routes plus a grievance officer contact as required by the RBI Digital Lending Guidelines.
Can I get an NDA before onboarding?
Yes. Scorecare Solutions provides a mutual NDA on request during the merchant invitation flow.
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