Payments
Send money out as fast as it comes in
IMPS, NEFT, RTGS and UPI transfers from one balance, one API and one approval trail — whether it is four vendors or forty thousand sellers.
24x7
IMPS and UPI transfers
50k
Transfers per batch
< 30s
Typical credit time
What PayOut does for you
Payouts run off a prefunded balance that you top up on your own schedule. Each transfer picks the rail that fits the amount and the hour: UPI and IMPS around the clock, NEFT and RTGS when the value makes them cheaper.
Beneficiaries are validated before money moves. A penny-drop confirms the account holder name, and anything that looks off is held for a human rather than failing quietly three hours later.
Four rails, one call
The API takes an amount and a beneficiary; it decides between IMPS, NEFT, RTGS and UPI unless you want to pin the method yourself.
Bulk from a sheet
Upload a CSV of thousands of rows, see the validation errors before anything moves, and release the clean ones in a single click.
Beneficiary checks
Penny-drop verification returns the registered name so you catch a wrong account number before the money does.
Maker and checker
Large batches wait for a second approver, and every approval is stamped with who released it and from where.
Status that arrives
Webhooks fire on credit, on reversal and on bank rejection, each carrying the UTR your beneficiary will quote.
Balance you can watch
Low-balance alerts, a running ledger of every debit, and an auto top-up from your collections if you want the two linked.
01
Fund the payout balance
Move money in by NEFT or RTGS, or route a share of your collections straight into the payout wallet.
02
Add beneficiaries
One at a time through the API, or in bulk; each is penny-drop verified and then reusable by its ID.
03
Release the transfer
Single or batch, from the dashboard or the API, with approval rules applied before anything leaves the balance.
04
Track to the UTR
Every transfer ends with a bank reference, a timestamp and a downloadable statement line.
The amount returns to your balance automatically, with the bank reason code attached, and the webhook tells you the moment it reverses.
IMPS and UPI run around the clock including holidays. NEFT and RTGS follow RBI banking hours, so transfers queued outside them are released at the next window.
Yes. Approval limits are set per user, so a team member can release small vendor payments while anything larger needs a second sign-off.
Ready when you are