{"id":23181,"date":"2025-06-25T10:48:47","date_gmt":"2025-06-25T05:18:47","guid":{"rendered":"https:\/\/blog.razorpay.in\/blog\/?p=23181"},"modified":"2025-06-25T10:49:14","modified_gmt":"2025-06-25T05:19:14","slug":"et-money-x-razorpay-where-wealth-grows-payments-dont-wait","status":"publish","type":"post","link":"https:\/\/razorpay.com\/blog\/et-money-x-razorpay-where-wealth-grows-payments-dont-wait\/","title":{"rendered":"ET Money x Razorpay: Where Wealth Grows, Payments Don\u2019t Wait"},"content":{"rendered":"

When ET Money launched in 2016, its mission was bold: to empower Indians to take charge of their financial futures. By simplifying access to mutual funds, stocks, insurance, and loans, the platform quickly became a trusted destination for wealth-first financial planning.<\/span><\/p>\n

But with ambition comes complexity. Every product launch introduced new customer expectations. Every investor brought with them the need for speed, clarity, and reliability \u2014 especially when it came to payments. That\u2019s where Razorpay entered the story: not as a quick fix, but as a long-term infrastructure partner in ET Money\u2019s growth journey.<\/span><\/p>\n

Scaling With Purpose<\/b><\/h2>\n

By 2019, ET Money was on a strong growth trajectory. As the product suite expanded, so did the platform\u2019s user base and transaction volumes. To continue delivering a seamless experience, the team began future-proofing its infrastructure \u2014 starting with payments.<\/span><\/p>\n

\"\"<\/p>\n

After evaluating partners, ET Money chose Razorpay for its <\/span>fully digital, API-first architecture<\/b> \u2014 one that aligned well with the company\u2019s product philosophy. Razorpay’s integration quickly became a strategic enabler, powering a growing share of transactions across critical use cases with products like e-mandates, Route, UPI Autopay, and the UPI-TPV flow.\u00a0<\/span><\/p>\n

At the core of this success was <\/span>Razorpay\u2019s UPI Stack<\/b>, designed to handle high-intent, high-frequency transactions with unmatched speed and reliability.<\/span><\/p>\n

Delivering Certainty, At Speed<\/b><\/h2>\n

For ET Money\u2019s investors, timing matters. Market fluctuations can influence decisions, and ensuring quick settlements is crucial to delivering the experience users expect. Recognizing this, ET Money worked closely with Razorpay to unlock <\/span>T0 (same-day) settlements<\/b> \u2014 an industry-leading feature enabled through Razorpay\u2019s partnership with banks.\u00a0<\/span><\/p>\n

\"\"<\/p>\n

Better Insights, Faster Resolutions<\/b><\/h2>\n

As volumes grew, the ET Money team looked to streamline internal operations and reduce support dependencies. Razorpay\u2019s <\/span>smart dashboards and detailed reporting suite<\/b> played a pivotal role here \u2014 offering real-time visibility into every transaction and enabling the team to solve queries proactively.<\/span><\/p>\n

Rather than reactive troubleshooting, ET Money could now provide <\/span>instant, insight-driven support<\/b>, especially in time-sensitive flows like investments and SIP failures. <\/span><\/p>\n

\"\"<\/p>\n

Built to Adapt, Built to Comply<\/b><\/h2>\n

Regulatory clarity is foundational to ET Money\u2019s approach. So when SEBI introduced new mandates around credit MIS reports, ET Money and Razorpay moved fast to stay ahead. Razorpay\u2019s PG Stack was quickly updated to <\/span>send source-of-credit reports directly to fund houses across UPI, Netbanking and Mandates<\/b>, while also giving ET Money real-time dashboard access for internal reconciliation.<\/span><\/p>\n

\"\"<\/p>\n

Collaboration That Drives Resilience<\/b><\/h2>\n

No system is immune to occasional market-wide shifts or ecosystem-level bottlenecks \u2014 like those caused by intermittent banking issues. But what distinguishes a great partner is how they respond.<\/span><\/p>\n

When a temporary UPI disruption impacted a subset of users from one bank, Razorpay worked closely with the ET Money team to <\/span>intelligently reroute traffic using dynamic UPI routing<\/b> and proactively coordinated with NPCI and bank partners to expedite resolution.<\/span><\/p>\n

Looking Ahead<\/b><\/h2>\n

Today, ET Money continues to reimagine the future of personal finance \u2014 expanding its platform to include even more high-impact financial products, while deepening user trust across every touchpoint.<\/span><\/p>\n

The next focus? Leveraging Razorpay\u2019s <\/span>advanced tools like Turbo UPI<\/b> to unlock even higher success rates and build frictionless journeys for first-time investors.<\/span><\/p>\n

\u201cWe see Razorpay as more than an infrastructure provider,\u201d said ET Money. \u201cThey\u2019re part of our product team \u2014 pushing us to be faster, smarter, and more user-first.\u201d<\/span><\/p>\n

Interested in Razorpay products & want to speak to a product representative?<\/strong><\/p>\n

Get in touch with us<\/a><\/div>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

When ET Money launched in 2016, its mission was bold: to empower Indians to take charge of their financial futures. By simplifying access to mutual funds, stocks, insurance, and loans, the platform quickly became a trusted destination for wealth-first financial planning. But with ambition comes complexity. Every product launch introduced new customer expectations. Every investor<\/p>\n","protected":false},"author":165,"featured_media":23182,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[498],"tags":[1069,674,93],"class_list":{"0":"post-23181","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-upi","8":"tag-et-money","9":"tag-razorpay-upi","10":"tag-upi"},"_links":{"self":[{"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/posts\/23181","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/users\/165"}],"replies":[{"embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/comments?post=23181"}],"version-history":[{"count":4,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/posts\/23181\/revisions"}],"predecessor-version":[{"id":23244,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/posts\/23181\/revisions\/23244"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/media\/23182"}],"wp:attachment":[{"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/media?parent=23181"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/categories?post=23181"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/tags?post=23181"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}