ZeloPay
Why Zelo Pay

One wallet for your domestic and international business income

Creators, freelancers and small businesses use Zelo to invoice Indian clients, get paid by overseas customers, and settle to UPI or USDT — all from a single account, without a bank or gateway in the middle.

Get paid faster

Your @username is your modern business card

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
Verified badge
Cover & avatar
Embed widget
Z
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
Who it's built for

Made for the modern independent worker

If you earn money from people instead of an employer, traditional banks and gateways weren't built for you. Zelo was.

Creators & freelancers

Designers, writers, editors, coaches, tutors and influencers — get paid by Indian and overseas clients into one wallet, then withdraw as UPI or USDT.

Solo founders & consultants

Send branded invoices, share a Pay-me link in your bio, and pay contractors instantly — without a corporate bank account or merchant onboarding.

Small businesses & sellers

List products on the Showcase, accept UPI/cards/net-banking through PayU, and reward your team or customers with brand gift cards.

Domestic opportunity

Bill India. Get paid in India. Settle in India.

Replace your patchwork of banking app, invoice tool and payment gateway with one Zelo account that handles every Indian payment workflow you need.

Free internal transfers

Move money between any two Zelo accounts instantly — no fees, no NEFT/IMPS waiting, settles the moment TOTP is verified.

GST-ready invoices

Multi-line invoices with auto-numbering, tax %, customer Bill-To and an embedded PayU checkout — clients pay via UPI / cards / net-banking.

Pay-me links for India

Custom-slug links for tips, retainers and store checkouts. Open or fixed amount, expiry, max-uses and an auto-generated UPI QR.

UPI settlement

Withdraw your wallet balance to any verified UPI ID. Manually reviewed and paid out within 48–72 hours — fees shown upfront.

International opportunity

Serve global clients without the global headache

Skip the FIRC paperwork, SWIFT delays and 8–12% forex losses. Get paid by clients in the US, UK, EU and beyond — settle in INR or USDT, your choice.

Get paid from anywhere

Share your Pay-me link with overseas clients. Coupon top-ups and PayU support multiple cards & wallets — no SWIFT, no bank dance.

USDT / USDC settlement

Withdraw to a verified USDT or USDC wallet (TRC20 / BEP20). Perfect for freelancers serving global clients without losing 8–12 % to forex.

Multi-currency display

Show prices in INR, USD, EUR, GBP and more. We handle the conversion using daily reference rates so quoting global clients stays effortless.

No NRO/NRE friction

Skip merchant accounts, FIRC chase-ups and rejections. Your Zelo wallet is borderless by design — invoice today, get paid tomorrow.

The Zelo difference

Why people switch to Zelo

Zelo brings together every money workflow a small operator needs and gates each one with bank-grade controls — without making you depend on a bank.

  • No bank account, no gateway sales rep, no credit check
  • Mandatory Google Authenticator 2FA on every wallet action
  • Atomic ledger — every rupee/satoshi accounted for
  • Free, instant Zelo-to-Zelo transfers for paying your team
  • Branded invoices & Pay-me links you can share in seconds
  • UPI + USDT settlement under one roof
  • Spend wallet balance on Amazon, Flipkart, Myntra, Swiggy & Zomato
  • Free Showcase listing for every KYC-verified member
Real-time

Internal transfers settle instantly.

KYC verified

Only verified members transact.

No bank needed

Sign up with email & phone only.

Scales with you

From first invoice to lean team.

Frequently asked

Questions before you sign up

Quick answers on KYC, settlements, fees and how Zelo handles domestic and international payouts.

Still curious? Talk to our team or browse the full help center.

One account. Domestic + international. Zero middlemen.

Sign up free, verify KYC and start invoicing clients in India and abroad within 24 hours. No bank meetings, no gateway approvals.