Zeta

Assessment

Zeta is used by banks and large card issuers, with the US as its biggest market and HDFC Bank, Pluxee, and Sparrow among its customers. Its best use cases are moving credit card processing off older mainframe systems and launching new card and deposit products on a modern stack, along with servicing and fulfillment run by Zeta teams. It prices by quote in the enterprise tier, and its main competitors are i2c, SoFi Technology Solutions (Galileo), Episode Six, Marqeta, and Fiserv.

Bhavin Turakhia and Ramki Gaddipati founded Zeta in 2015. Its Tachyon platform covers transaction processing, card management, and credit accounts, and customers have issued more than 25 million cards on it. Zeta has more than 1,700 employees, over 70% in technology roles. Optum invested $50 million at a $2 billion valuation in February 2025, and the company expected revenue between $100 million and $200 million and a profit in fiscal 2026.

It fits a bank planning a full credit card modernization with a long project timeline. It is a weaker fit for a fintech that wants to launch a simple debit or prepaid program in weeks.

Rating by criterion

We score each of the eight criteria out of 100.

Sector criteria

Vendor criteria

Against its peers

These are the other companies in payments and acquiring, with their ratings.

User comments

These buyer-oriented points draw on Zeta’s company page and coverage of its 2025 funding.

• Upside

  “We finally have a credit card platform where product changes do not wait on a mainframe release window.”

• Upside

  “Zeta can take on servicing as well as processing, which let us keep our own team small.”

• Downside

  “A full migration is a long program, and you need executive sponsorship on the bank side to see it through.”

Where customer reviews couldn't be found, our analysts attempted to give a voice to buyer sentiment, drawing on real information from review sites, forums and product documentation. We omit sites where vendors pay to be featured or pay for a review, plus any review the site flags as incentivized.

Based on: Zeta about page; TechCrunch, February 2025; YourStory interview, February 2025.

Fact file

Competitive landscape

Card processing platforms a bank would compare with Zeta.

• Zeta74
• SoFi Technology Solutions76
• i2c75
• Marqeta74
• Episode Six73
• FiservNot reviewed

Comparisons

• i2c vs Zeta

Key leadership

• Bhavin Turakhia

Bhavin Turakhia co-founded Zeta in 2015 and is chief executive. He earlier co-founded Directi with his brother Divyank.

How this review was created

This profile gives our own assessment of Zeta to companies selecting a Payments & acquiring provider. The Fintech Index receives nothing for featuring a firm, for sponsorship, or for advertising, and Zeta gave us no payment for the profile.

The rating equals the average of eight criteria, with every criterion running from 0 to 100. Four address buyer needs in this sector, and four address the company together with its commercial terms.

Ratings are our editorial judgment, made from public information: pricing and legal pages, product documentation, compliance disclosures, public reviews and filings. Fact-checking took place on November 10, 2026.