POPULAR
Payment Gateway
Accept UPI, cards, netbanking & wallets online with smart success routing.
12K+Businesses live
One platform for payments, payouts & banking.
A comprehensive payment & fintech infrastructure — vendor payouts, connected banking, POS, soundbox, KYC APIs and an AI copilot — for businesses, retailers and developers across India.
0 transactions0 active partners₹0 moved0 uptime
Payment received ₹42,000
FinAI ready
Settled in 3s
ISO 27001 256-bit encryption 99.9% uptime 24×7 support
Products
Everything you need to move money
From collections to disbursements to banking — a unified suite of products and APIs powering modern businesses.
POPULAR
Vendor Payout
Automate single & bulk disbursements to vendors, partners & staff over IMPS/NEFT/RTGS/UPI.
POPULAR
Connected Banking
Manage multiple bank accounts, balances and payments from one unified dashboard & API.
POPULAR
POS Solutions
Smart POS devices to accept cards, UPI & wallets with instant settlement and reporting.
POPULAR
Soundbox
Instant audio payment confirmations for merchants, in multiple Indian languages.
Payment Gateway
Accept UPI, cards, netbanking & wallets online with smart success routing.
Payment Orchestration
Route transactions across multiple PGs & rails for the best success rate and cost.
Whitelabel & API
Launch your own branded fintech platform on our APIs — fully whitelabelled.
KYC Verification APIs
PAN, Aadhaar, bank, GST, voter & more — AI-powered, compliant verification.
Solutions
Fintech, software & commerce — with AI built in
One company, many rails: payments & banking, IT & software, e-commerce & wellness and travel — powered by FinAI. Explore all services →
Payments
Vendor Payouts
Automate single & bulk disbursements over IMPS, NEFT, RTGS and UPI.
45M+Payouts / month
Collections & Soundbox
UPI collections with instant audio confirmations in 11 Indian languages.
23K+Active merchants
Software & Commerce
IT
Whitelabel & Software
Launch a branded fintech platform, SaaS or custom BFSI software on our rails.
DaysTo launch
E-commerce & Wellness
Sell across web & mobile — beauty, health and women-centric wellness retail.
Pan-IndiaDelivery
Travel & Booking
Air, rail and bus ticketing plus curated tour packages with instant confirmation.
Air/Rail/BusTicketing
FinAI
AI
FinAI Copilot
Your AI finance copilot — query balances, trigger payouts and reconcile in plain language.
“Pay ₹42,000 to Sharma Traders”
AI
Fraud & Risk Shield
Real-time AI scoring flags anomalous transactions before they settle.
<50msDecision time
Smart Reconciliation
AI auto-matches settlements, payouts and statements — zero manual effort.
98%Auto-matched
Introducing FinAI
The first AI copilot built for Bharat’s finance
Not just a chatbot — FinAI lets your team transact, get insights and stay safe using plain voice or chat, in their own language.
“2,500 ka payout karo Ramesh ko”Voice banking in 10+ Indian languages
हिन्दीதமிழ்తెలుగుবাংলাमराठीગુજરાતી+ more
NEW
AI Fraud Shield
Real-time risk scoring flags suspicious transactions before money moves.
NEW
AI Smart Routing
Learns success patterns and routes each payment via the best rail.
NEW
Settlement Forecasting
Predicts cashflow and settlement timing so you’re never caught short.
Comprehensive Payment Infrastructure
Pay-In & Pay-Out, end to end
Access a broad range of domestic payment capabilities through our partner ecosystem.
Pay-In Solutions
Seamless payment collections through modern merchant rails.
UPI PaymentsCredit CardsDebit CardsNet BankingWalletsQR PaymentsPayment LinksIntent-Based Payments
Pay-Out Solutions
Automate and manage business disbursements seamlessly.
Vendor PaymentsCustomer RefundsSalary & IncentivesCashback & RewardsMarketplace SettlementsInsurance ClaimsTravel VouchersDistributor Settlements
Virtual Accounts & Collections
Account-based collections, auto-reconciled
Dedicated Virtual Accounts
Allocate secure, uniquely identifiable bank account numbers to each customer or partner.
Auto-Reconciliation
Match inward bank transfers to outstanding orders and invoices via ledger webhooks.
Account-Based Collections
Support high-ticket collections over direct NEFT, RTGS and IMPS rails.
Real-Time Balance Visibility
Monitor incoming transfers and available balances continuously.
Webhook Notifications
Get real-time alerts whenever a virtual account payment settles.
Transaction Monitoring
Automated security screening for incoming and outgoing funds.
Build with Finzeco
Whitelabel platforms & custom fintech development
Launch your own branded fintech product on our rails, or get a tailor-made BFSI solution built end to end.
Whitelabel & API
Your brand on our payment and banking infrastructure.
BFSI Fintech Apps
Custom Android & iOS apps for banking, payments and lending.
Portal Development
Admin, distributor and retailer web portals with full control.
Software Development
Bespoke fintech software, integrations and dashboards.
Finzeco App
Your entire finance business, in one pocket
Run AEPS, money transfer, bill payments, recharge and payouts on the go — with instant settlements, live earnings and secure login, right from your Android phone.
All services in one simple dashboard
Real-time wallet, earnings & reports
Biometric login & bank-grade security
Instant transactions, even on low network
Get theAndroid App
● Launching soon
9:41
Vendor Payout
Instant IMPS / NEFT transfer
Payout amount
₹42,000
To · Sharma Traders
A/C ****4821 · HDFC
Mode · IMPS (instant)
Confirm with secure PIN
Send payout
9:41
F
Hi, RahulBusiness · Finzeco
Available balance
₹4,82,500
+ Add funds
Payout
Collect
Banking
VA
POS
Soundbox
KYC
FinAI
Recent activity
Vendor PayoutJust now · IMPS
−₹42,000
UPI Collection2 min ago
+₹18,400
9:41
Reports
This month · June
₹38.6 L
Total volume processed
Top products
Vendor Payout3,120 txns
₹21.4 L
Payment Gateway5,860 txns
₹12.8 L
POS Devices1,240 txns
₹4.4 L
Industries
Tailored for every kind of business
From a neighbourhood shop to a lending NBFC — Finzeco fits the way you work.
Travel & Hospitality
Collect payments, automate vouchers and reconcile high-volume bookings.
Restaurants & Cafes
POS, soundbox and QR payments with instant settlement and reporting.
Entertainment & Subscriptions
Recurring collections, refunds and payouts on autopilot.
NBFCs & Lending
Instant KYC, bank verification, virtual accounts and EMI collection.
Retail & Distributors
Multi-tier networks with wallets, limits and live reporting.
Startups & SaaS
Plug-and-play APIs and whitelabel rails to launch fintech features fast.
0
Transactions processed
₹0
Value moved
0
Active partners
0
Platform uptime
Become a partner
Start earning in four simple steps
STEP 01
Sign up
Register online in minutes with your basic business details.
›STEP 02
Complete KYC
Verify instantly with our digital, paperless onboarding.
›STEP 03
Go live
Access the full suite from web and mobile.
›STEP 04
Start earning
Serve customers and earn on every transaction.
FAQ
Frequently asked questions
The essentials on what Finzeco does, who runs it, and how to get started.
What is Finzeco?
Finzeco is a payment and fintech infrastructure platform for India. It brings vendor payouts, connected banking, payment gateway, payment orchestration, POS, soundbox, KYC verification APIs and an AI copilot together on a single platform, so businesses can collect, disburse and reconcile money through one integration.
Who operates Finzeco?
Finzeco is the operating brand of Flipnbuy Private Limited, a company registered in Madhya Pradesh, India. The same corporate umbrella also covers IT and custom software development, e-commerce with a focus on wellness and women-centric retail, and travel and booking services.
Which payment methods can I accept with Finzeco?
The Finzeco payment gateway accepts UPI, credit and debit cards, netbanking, wallets, EMI and pay-later through one checkout, with smart routing across acquirers to lift success rates and cut cost per transaction.
How do vendor payouts work on Finzeco?
Vendor payout lets you disburse money to vendors, partners and staff either one at a time or in bulk over IMPS, NEFT, RTGS and UPI. Payouts can be triggered from the dashboard or through the API, with balance checks, approval flows, webhooks and automated reconciliation.
Does Finzeco offer whitelabel and API access?
Yes. Finzeco offers whitelabel fintech platforms and REST APIs so you can launch a fully branded payments, payouts or banking product on Finzeco rails, without building the underlying infrastructure or partner integrations yourself.
Which KYC verifications does Finzeco support?
Finzeco provides KYC verification APIs covering PAN, Aadhaar, bank account, GST, voter ID and more, with AI-assisted checks designed to meet Indian regulatory requirements for onboarding and AML compliance.
Can I become a Finzeco partner or retailer?
Yes. Retailers, distributors and agents can join the Finzeco partner network and turn an existing shop into a digital banking point offering AEPS, money transfer, recharge, BBPS, micro ATM, PAN and insurance services, earning on every transaction. Apply from the Partners page or email partners@finzeco.com.
Where is Finzeco available and how do I get support?
Finzeco serves businesses, retailers and developers across India. You can reach the team on WhatsApp or by phone at +919525434129, or email support@finzeco.com for existing accounts and sales@finzeco.com for new business.
Ready to power your finance business?
Join the Finzeco network or integrate our APIs. Our team will get you live, fast.