Simplifying collections and payments for your business
The all-in-one banking solution for frictionless payments. Built to help MSMEs in India grow.
Get StartedPowered by leading banks
Trusted by businesses across India
Open an instant business account with Paynorma
Superfast digital account opening with a scheduled commercial bank partner.
See live demoEverything you need to bank smarter
Easy to use
Web app, mobile app, APIs and integrations.
Automate payments
Use groups and tags for fast bulk payments.
Instant payments
24×7 on-the-fly transfers without limits.
One stop solution
A single account for all your financial needs.
Frictionless payments
Send money out, fast. Built for the way modern businesses pay.
- Bulk payouts via web, CSV and APIs
- No daily or monthly limits
- UPI, IMPS, NEFT and RTGS supported
Collect efficiently
Accept payments from your customers without losing a percentage to fees.
- Multiple QRs to manage branches and franchisees
- Flat fees — no percentage cut
- Instant settlement to your bank
Verification Stack
A library of identity and business verification APIs you can plug in anywhere.
- Real-time verification across PAN, GST, MCA, bank and more
- Mitigate risks by authenticating business credentials
- Stay compliant with regulations
Paynorma Prepaid Card
A purpose-built business card for the spend you actually make.
- Simplify end-to-end business spend
- Cashback on eligible spends
- Issue cards instantly, fully loaded
API Banking
Wire your stack directly into your bank. Automate everything.
- Make payments via APIs and integrations
- Developer-friendly APIs with rich docs
- No one-time setup fees
Businesses love Paynorma. Hear it from them directly.
“Bulk payouts to our 200+ vendors used to take a full day. With Paynorma we run them in minutes from a single CSV upload.”
Anil Verma
Founder, Verma Trading Co.
Trusted by businesses across India
Loved by MSME owners
Bulk payouts have saved us hours every week.
Karthik R.
Onboarding our new branch was instant — sub-accounts just work.
Divya S.
The flat-fee collection is a fraction of what our previous gateway charged.
Manoj P.
How it works
Sign up and verify your business
- Create your account
- Submit business details
- Verify Aadhaar and PAN
Open your virtual account
- Get a virtual current account
- Add team members
- Set up groups and tags
Start making payouts and collecting payments
- Run bulk payouts
- Generate QRs for collections
- Watch settlements land instantly
Scale with APIs, cards and verification
- Wire up payouts via API
- Issue prepaid cards
- Plug in verification APIs
Paynorma Perspectives
View all posts →Paynorma's 2025 Wrapped
A look back at everything we accomplished in 2025 — from product launches to milestone achievements.
Payment management systems vs. Complete payment automation
Understanding the difference between basic payment management and end-to-end automated collection.
How a Mumbai-based enterprise achieved Rs.150 Cr+ in error-free payment collections
A deep dive into how automation transformed payment operations for a large enterprise.
Built for India's MSMEs
Empowering small and mid-sized businesses to gain end-to-end control over their banking and payments — with tools that are simple, accessible, and built for how Indian businesses actually run.
Read more from our newsroomFrequently asked questions
What transaction methods does Paynorma support?+
UPI, IMPS, NEFT and RTGS — all four with no daily or monthly limits.
Are there transaction limits on UPI, IMPS, NEFT, RTGS?+
There's no per-day limit. Per-transaction caps follow the standard rails: ₹1 lakh on UPI, ₹5 lakhs on IMPS, no cap on NEFT or RTGS.
How long does account opening take?+
A few minutes — verify Aadhaar, PAN and your business details and you're set.
Why are PAN and Aadhaar required?+
Per RBI guidelines, PAN and Aadhaar verification is mandatory to open a virtual or individual current account.
Can I manage multiple businesses with one Paynorma account?+
Yes — sub virtual accounts let you create individual accounts per branch, franchisee or business.
What exactly is Paynorma?+
A web and mobile platform that helps businesses manage money in and out — payouts, collections, verification, cards and APIs in one place.