One disbursement engine across UPI, IMPS, NEFT and RTGS - batch a thousand payments, release with one OTP, and reconcile every rupee to the paisa. No bank portals, no broken files, no stuck money.
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.
A single invalid account or format error blocks the entire file - and the whole run waits.
Money is debited, the transfer fails, and no one knows until a vendor complains - status chased across the bank by hand.
Matching UTRs, failures and reversals across banks in spreadsheets - days of work, every cycle.
Every batch takes the same secure path, with approvals and an OTP before money moves, and automatic reconciliation after.
The controls and reliability of a payments network, built into your AP - 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.
Illustrative figures. Rail availability and limits follow RBI / NPCI norms and your sponsor bank’s configuration.
See Finnoto’s disbursement engine run end to end - from Excel or API to settled, reconciled and posted across every rail.
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