5.5% of Swiggy orders in August 2026 were paid with a split payment, where the bill is divided across more than one payment method. The option first appeared in the data in March 2026, at 1.1% of orders. It reached 3.4% in April and has grown every month since.
In five months, split payments became a bigger share of orders than every pay-later option combined. Pay-later had a very different year. Through the first nine months of 2025, pay-later services covered 5.6% to 6.0% of Swiggy orders, with Simpl accounting for about two-thirds of that. Simpl drops out of the data entirely from October 2025, and pay-later’s share fell to 2.1% in a single month. It has recovered only slightly since, to 2.7% in August 2026.
The core payment mix held steady. Bank and UPI payments made up 53.4% of orders between June and August 2026, against 54.4% a year earlier. Cards rose slightly, from 19.1% to 20.6%.
Cards also carry the largest orders. The median Swiggy order paid by card was about INR 350 this summer, against about INR 270 for UPI and bank payments and about INR 260 for cash. Split payment orders had the smallest median, at about INR 240.
For a payments or fintech brand, Swiggy’s checkout shows how fast a new option can take share when it’s built into the flow. Split payment went from zero to more than one in twenty orders in five months, while the pay-later share has stayed below half of what it was a year ago.
Tags: Food delivery · Swiggy · Payments · Split payment · BNPL · UPI · Consumer panel data
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