Turn payments into repeat transactions.
Real brand gift cards that bring users back after the payment, and a new revenue line on every sale.
UPI carried 24.07 billion payments in September 2026, about 80 crore a day (Outlook Money). PhonePe and Google Pay's combined share fell below 80% for the first time in May 2026 (Outlook Business), so users do switch.
Source: Outlook Money, citing NPCI · Published 2 Oct 2026 · Checked 12 Oct 2026
Payments that earn
you nothing
Little or no revenue
Most UPI payments earn the app little or nothing.
Users switch apps
Users switch between UPI apps without a second thought.
Scratch cards lost their spark
Scratch cards with tiny cashback no longer excite anyone.
Three ways to bring
users back
After the payment
A relevant brand gift card offer on the success screen.
A revenue line
Every gift card sold in your store earns you a margin.
Better scratch cards
Replace small cashback with gift cards from brands people use.
What UPI apps
are seeing
More transactions
Apps using Hubble's products have seen 2–5× more transactions from users of the Hubble rewards store.
Buy again within a month
18% of users who buy a gift card on one UPI app buy another within a month.
Gift cards a month
Users of one UPI app buy about ₹1 Cr of gift cards a month from the payment success screen.
SDK for the store; API for offers on the payment success screen.
Questions, answered
Can users pay by UPI?
Can we pick which brands to show?
Book a demo
We reply within 24 hours.