For business

The business wallet for freelancers & small businesses

Run your money like a pro — wallet, transfers, Pay-me links, invoices, coupons, gift cards and settlements, all from a single Zelo account.

Start free See pricing

Brand your business

One @username link for every invoice, bio & DM

Stop pasting long account numbers and QR screenshots. Pick a handle once and share zelopay.online/u/@you anywhere — Instagram bio, WhatsApp, email signature or invoice. Anyone can pay you instantly, even without a Zelo account.

One memorable link: zelopay.online/u/@you
Locked to you — only admin can rename, no squatting
Cover photo, avatar, bio, category & social links
Verified ✓ badge once your KYC is approved
Pinned Pay button — UPI, USDT or PayU in one tap
Embeddable widget for blogs, portfolios & storefronts

Claim your @username See profile features

Verified badge

Cover & avatar

Embed widget

Zara Khan

@zara · Creator

Designer & illustrator. Open for client work — pay me on Zelo.

Pay Zara

UPI · USDT · PayU

8 4 2 9 1 7 6 5 0 1 2

zelopay.online/u/@zara

What's included

Nine tools, one account, zero setup

Stop juggling a bank app, a payment gateway, an invoicing tool and a spreadsheet. Zelo puts every money workflow a small business needs in one place.

Business wallet

Every account gets an 11-digit Zelo number. Hold balance, view a live ledger and download statements anytime.

See features

Instant transfers

Pay vendors, contractors or partners with another Zelo number — settles in real time, no fees, with notes & beneficiaries.

How transfers work

Pay-me Links

Custom-slug payment links for tips, retainers, online stores and creator income. Open or fixed amount, expiry, max-uses & QR.

Explore Pay-me Links

Invoice generator

Branded multi-line invoices with auto-numbering, GST/tax, customer Bill-To, embedded PayU checkout and a downloadable PDF.

Explore invoices

Recurring invoices

Create a plan once, then auto-bill subscribed customers weekly, monthly, quarterly or yearly. Auto-emailed pay links + 3-step dunning.

Set up recurring

Coupon redemption

Convert 25-character coupon codes into instant wallet balance — useful for partner programs and promotional payouts.

About coupons

Brand gift cards

Spend wallet balance on Amazon, Flipkart, Myntra, Swiggy & Zomato gift cards — perfect for client gifts or team rewards.

Browse gift cards

UPI & USDT settlements

Move money out to a verified UPI ID or USDT TRC20 wallet. Manually verified by admin, transparent fees displayed upfront.

Settlement details

Showcase storefront

List your products & services for free on the Zelo Showcase — every KYC-verified member gets a public listing page.

Visit Showcase

Who it's for

Made for solo founders & lean teams

Freelancers & consultants

Send branded invoices, get paid via Pay-me links, and route everything to one wallet you can settle to UPI weekly.

Agencies & small teams

Pay contractors instantly via internal transfers, track every rupee in one place, and download statements for accounting.

Online sellers & creators

Drop a Pay-me link in your bio, list products on Showcase, and accept UPI / cards / net banking through PayU at checkout.

Coaches & service pros

Charge clients with fixed-amount invoices, gift students with brand gift cards, and run referral coupons through Zelo.

How it works

From signup to settlement

Email signup, scan a TOTP QR, then upload ID, selfie & address proof. Your 11-digit account is live within hours.

Bill or get paid

Send a branded invoice or share a Pay-me link. Customers pay through PayU — UPI, cards, net banking, no setup needed.

Balance updates live

Successful payments credit your wallet automatically. Every txn is logged in an immutable ledger you can download.

Pay your team

Send to other Zelo accounts free & instantly. Save beneficiaries, add notes, and gate every transfer with TOTP.

Settle to UPI / USDT

Withdraw to a verified UPI ID or USDT TRC20 wallet whenever you need cash. Transparent fees, manually verified.

Why Zelo for business

Bank-grade controls. Independent like the internet.

You get the same patterns banks use — atomic ledgers, audit logs, role-separated access, mandatory 2FA — without depending on a bank, gateway sales rep or credit check.

Internal transfer fee

2FA

On every wallet action

10+

Built-in workflows

24h

From sign-up to first payout

What's included

Everything below ships on every Zelo account — no upgrade, no add-on.

Free internal transfers between Zelo accounts
Branded invoices with PayU checkout — no gateway setup
Recurring invoices that auto-bill subscribed customers
Custom Pay-me links with open or fixed amounts
Saved beneficiaries for repeat payouts
Per-user daily, monthly & per-transaction limits
Downloadable PDF receipts, invoices & statements
Mandatory Google Authenticator 2FA on every wallet action
Append-only audit log of every privileged operation

Core

Wallet

Single balance for every flow

0% fee

Transfers

Free, instant, account-to-account

Sharable

Pay-me Links

Custom slug, open or fixed

GST-ready

Invoices

Branded PDF + Pay Now button

Automated

Recurring

Auto-bill on your schedule

Promo

Coupons

25-char single-use codes

5+ brands

Gift cards

Amazon, Flipkart, Myntra, more

Payout

Settlements

UPI & USDT TRC20 payouts

Free

Showcase

List products & services

KYC + 2FA enforced platform-wide

Mandatory

Every account is identity-verified and gated by Google Authenticator before it can transact.

Real-time

Internal transfers settle the instant TOTP is verified.

KYC verified

Only verified accounts can transact, send invoices or list.

2FA always on

Every wallet action gated by a fresh 6-digit code.

Multi-currency

Invoice and accept payments in INR, with USD/USDT settlement.

Run your business on Zelo

Create free account Talk to us