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For business
P2P wallet
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P2P wallet overview
Send money
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Split bills
@username handle

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Freelancers & creators
Personal gifting
Cross-border
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vs UPI
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Products and services from KYC-verified Zelo members. All listings are admin-reviewed before going live.

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A modern digital business suite for freelancers, creators and small businesses — wallets, invoices and Pay-Me links, independent of any bank.

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care@zelopay.online

Milton, Delaware 19968, USA

Built on bank-grade controls

Every account is identity-verified, 2FA-gated and fully audit-logged

Live & monitored

KYC verified
ID + selfie + address
2FA enforced
TOTP on every action
Audit logged
Append-only trail
TLS 1.3 encrypted
End-to-end in transit
PCI-aware checkout
PayU tokenized cards
Atomic ledger
Bank-grade postings
RLS isolated
Row-level data access
AML compliant
Sanctions screened

Product

Why Zelo
For business
P2P wallet
Features
Get paid
How it works
Showcase
Security
Pricing

Get paid

Overview
Pay-me Links
Invoice Generator

P2P wallet

P2P wallet overview
Send money
Request money
Split bills
@username handle

Use cases

All use cases
Freelancers & creators
Personal gifting
Cross-border
Online shoppers

Compare

Compare overview
vs Gift cards
vs UPI
vs Crypto

Company

About
Careers
Contact
Blog

Resources

Help center
FAQ
Status
Refer & Earn
Affiliate program
Referral terms
Report a problem
Report fraud

Legal

Terms of service
Privacy policy
AML policy
Disclaimer
Refund policy

Global access numbers

Dial, then enter your access code

8628907#

+1 209-425-0061

+44 20 4525 8200

+61 2 4022 9113

+49 221 98203406

+33 1 59 42 30 46

+971 4 580 1577

+81 3-5050-5062

Enter access code 8628907# when prompted. See all countries →

Learn

Keeping your account safe How to handle coupon codes safely How we prevent fraud Raising and resolving disputes Audit transparency at Zelo How your data is protected Tips for stronger sign-in security Zelo for freelancers Zelo for small sellers Zelo for communities and clubs Gifting value with Zelo Cross-border value exchange Zelo for creators Guide: Redeem a coupon Guide: Send a transfer Guide: Request a settlement

ImportantZelo is not a bank — read full disclaimer▾

Zelo is an independent digital business suite for freelancers, creators and small businesses — offering coupon-based wallets, invoices, Pay-Me links and gift-card redemptions. Zelo is not a bank, money transmitter or licensed payment institution, and wallet balances are not bank deposits or insured by any scheme. Coupons and invoices are digital products, wallet values are internal ledger entries, and settlement requests (UPI / USDT) are reviewed and paid out manually by our team as service payouts within 48–72 hours. By using Zelo you accept our Terms, AML policy and Disclaimer.

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