Send, receive and split money between people
Zelo gives every user an 11-digit account number, an optional @username handle and a personal QR code — so any two people can move money in seconds without swapping bank details.
Everything a P2P wallet should be
Four core things people do with money between each other — Zelo does each of them properly.
Send money
Type an 11-digit Zelo account or scan a QR — money lands in the recipient's wallet in seconds, 24/7.
Request money
Generate a Pay-me link with an amount and note. Share it on WhatsApp; the sender pays with UPI, card or their Zelo balance.
Split bills
Split a restaurant tab or trip cost across friends. Each person gets their own request link and settles independently.
@username handle
Claim a personal handle like @you and share zelopay.online/u/@you. Anyone can pay you — no account number to memorise.
One balance, three identities
Every Zelo user gets three ways to receive money. Pick whichever is easiest in the moment.
- 111-digit account numberStable, unique, printable. Share it once and it never changes.
- 2@username handleHuman-readable — great for bios, invoices and social posts.
- 3Personal QR codeStick it on your desk, stall or business card. Any Zelo user can scan and pay.
Why a wallet, not just UPI?
UPI moves money between bank accounts. Zelo lives one layer above — so payments don't fail on bank downtime and money you hold is instantly re-sendable.
Wallet-to-wallet transfers settle immediately — no NEFT windows, no bank holidays, no ‘pending 24 hours'.
Once a payment lands in your wallet it's yours. Perfect for freelancers, tutors and community collections.
Web, PWA and mobile browser. No app install required for the sender — a Zelo link is all they need.
Every peer-to-peer transfer generates a downloadable PDF receipt with a proof hash for your records.
Ready to send your first rupee?
Sign up in under a minute. Your 11-digit account, @username and QR are ready instantly.