Configure once, then send thousands of payouts across UPI, IMPS, NEFT and RTGS - routed intelligently, reconciled automatically, with nothing stuck or lost.
As volume grows the bank portal becomes the bottleneck - and finance loses visibility the moment money leaves.
Uploading batches, recharging accounts and re-keying beneficiaries by hand - slow, error-prone and impossible to audit.
Hours lost every batchA single invalid account or format error blocks the entire file - and the whole run waits.
Whole run blockedMoney is debited, the transfer fails, and no one knows until a vendor complains - status chased across the bank by hand.
Chased by handMatching UTRs, failures and reversals across banks in spreadsheets - days of work, every cycle.
Every batch takes the same secure path - approved, released and reconciled automatically.
Rails, limits and approval rules are set up once per bank account - every batch afterwards inherits the same policy automatically.
Post a batch via Excel upload or API in a single instance - each row is validated against beneficiary and bank rules before it ever reaches a rail.
The batch is created and routed to the right approver by policy - nothing waits on a person unless the rule says it should.
An authorised user punches the OTP and the batch is released now, or scheduled for later - no single person can move money alone.
A UTR or RRN is captured per payment the moment it settles, and the beneficiary is notified instantly.
Bank failures are triangulated, auto-retried and reconciled - every batch closes fully accounted for.
The controls and reliability of a payments network, built into every payout - so high volume never means high risk.
Every payout takes the cheapest, fastest rail it qualifies for - UPI, IMPS, NEFT or RTGS - automatically.
Connect several bank accounts and route across them - no manual recharges, and higher success when one bank is slow.
When a bank or rail goes down, Finnoto detects it and re-routes payouts automatically - batches never stall.
Idempotency keys guarantee a payout executes exactly once - no duplicate or double payments, ever.
Every transfer is verified against the bank; failed payments are auto-retried and reconciled - money is never lost or double-sent.
Dual control, OTP-secured release and role-based limits - no single person can move money alone.
Queue a batch for a future date and time, or set recurring runs - auto-released once approvals and balance checks pass.
Penny-drop and KYB confirm every account before the first rupee moves - no payouts to the wrong hands.
UTR / RRN capture, status webhooks and near-100% auto-reconciliation in minutes - with a full, audit-grade trail.
Every payout takes the fastest available rail automatically - UPI, IMPS, NEFT or RTGS.
Fastest rail, every timePayouts draw from whichever account has funds available, without manual switching.
No single point of fundingA bank outage reroutes the payout automatically - nothing sits waiting on one rail.
Nothing stuck waitingEvery batch is reviewed and released under a second factor before funds move.
Two-factor by defaultA stuck transfer is diagnosed against the bank, the rail and the beneficiary automatically.
Diagnosed, not guessedEvery payout’s status is visible live, and matched to your bank statement the moment it lands.
Live, not end of dayEvery payout leaves through the rail that’s fastest and cheapest for it, reconciled the moment it lands - at whatever volume your business runs.
Bring one payout file and we’ll show you exactly how it routes, releases and reconciles.