Provider profile · 2026 edition
Zeta review 2026: scores, pricing and alternatives.
A processing platform for cards, loans and deposits, best known for credit card programmes.
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A processing platform for cards, loans and deposits, best known for credit card programmes.
Zeta scores 2.0 out of 5 (41 out of 100) in the Buckingham Intelligence Core Banking and Ledgers Index 2026 and ranks 10 of 12. It is strongest for banks launching card programmes, and its best criterion is product coverage at 3 out of 5. Not published or not stated on the pages read: pricing, security and clients and product coverage.
Scores from the Core Banking and Ledgers Index 2026.
No award in the Core Banking and Ledgers Index 2026.
| Segment | Score out of 100 | Rank |
|---|---|---|
| For banks and building societies | 45 | 10 of 12 |
| For E-money and payment firms | 42 | 10 of 12 |
| For fintechs building their own products | 36 | 11 of 12 |
The score out of 5 is the overall score out of 100 divided by 20. Leader goes to the top three overall, Best for to the first in each segment, and Top rated for to a score of 5 out of 5 on a criterion. Awards cannot be bought.
Where it scores best, and where to check closely, as shown in each ranking.
Banks launching card programmes.
What Zeta publishes on its own pages, read on 26 October 2026.
A processing platform for cards, loans and deposits, best known for credit card programmes. It names HDFC Bank as a client with a customer figure and states a card programme launched in under eight months. Prices, deployment and certifications are not published on the pages read.
| Fact | What the provider publishes |
|---|---|
| Product coverage | "Next-gen processing omnistack for cards, loans and" deposits; credit, charge, BNPL, fleet and family cards. |
| Pricing | Not published on the pages read. |
| Deployment | Not published on the pages read. |
| Integration | "Realtime APIs & Events"; Sparrow Card "launched a credit card program end-to-end in < 8 months". |
| Security and clients | Certifications not published on the pages read. Named client: HDFC Bank (PayZapp and Pixel). |
| Scale | "HDFC Bank blitz-scaled to 12 million customers on highly-rated Zeta-powered solution". |
| Date read | 26 October 2026 |
A fact that is not published is scored as not offered or, for a fee, as if it were high. It is never estimated.
Facts read on 26 October 2026 from: zeta.tech.
Each score with the evidence behind it.
Each criterion is scored 0 to 5 against the best published offer in the Core Banking and Ledgers Index. 0 means not offered or not published. How it is scored
The other providers in the same ranking, ordered by score.
| Provider | Score out of 5 | Rank | Strongest for |
|---|---|---|---|
| Thought Machine | 3.5 | 1 of 12 | Large banks replacing a legacy core on the cloud of their choice |
| SDK.finance | 3.0 | 2 of 12 | E-money firms and fintechs wanting a published price |
| Formance | 3.0 | 3 of 12 | Fintech and crypto firms wanting a ledger they can host themselves |
| 10x Banking | 2.6 | 4 of 12 | Banks that need published throughput and uptime figures |
| Pismo | 2.5 | 5 of 12 | Banks and large firms combining cards, lending and accounts |
| Modern Treasury | 2.5 | 6 of 12 | US fintechs wanting a ledger joined to payment rails |
| Mambu | 2.5 | 7 of 12 | Lenders and deposit-takers wanting audited SaaS |
| Temenos | 2.5 | 8 of 12 | Banks in many countries wanting packaged software or SaaS |
| Tuum | 2.3 | 9 of 12 | Banks wanting cloud or on-premise deployment with a stated launch time |
| Finxact | 2.0 | 11 of 12 | US banks wanting an API-first core with a sandbox |
| Episode Six | 1.3 | 12 of 12 | Issuers wanting one ledger for cards, credit and deposits |
Side by side on every criterion, fact and award.
Head-to-head comparisons cover pairs within the top five of each ranking. Zeta is compared with its alternatives in the table above.
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