ZYRO · Built for growing MSMEs

Business banking built for growing MSMEs

Name: Business Banking Suite
Brand: ZYRO

From daily balances to vendor payments, payroll, cards and expense approvals, give your MSME team one clear place to run business banking.

All accounts in viewPay vendors & teamsControl spending

Get started See how it works »

Overview

Total balance · 3 banks

₹29,18,400

+ New payment

Bank 1

•• 4821

₹18,42,300

Bank 2

•• 1190

₹7,65,120

Bank 3

•• 7745

₹3,10,980

Recent payments

View all

Vendor batch · 248 payees
IMPS
−₹6,40,000
Processing
Salary run · October
NEFT
−₹12,85,400
Scheduled
Customer collection
UPI
+₹48,250
Received
Office rent
RTGS
−₹2,20,000
Paid

Why it fits MSMEs

Made for the day-to-day of a growing business

From the first account to a bigger finance team, keep the essential banking work together and easy to follow.

01 / MSME ESSENTIAL

Know your cash position

See balances, transactions and statements across linked business accounts in one view.

02 / MSME ESSENTIAL

Pay without the busywork

Handle vendors, salaries and bulk payments with clear checks before money moves.

03 / MSME ESSENTIAL

Keep control as you grow

Bring spending limits, approvals and records into the same workflow for your team.

The MSME finance workspace

Everything your growing business needs to bank and operate

Bring your business accounts, payments, cards and spending into a workspace your whole team can use.

Your workflows

Bulk paymentsVendor paymentsPayrollEscrowCards & expensesAPI integrations

ZYRO banking layer

IMPS · NEFT · RTGSApprovalsReal-time syncSecure connections

Your bank accounts

Current account 1Current account 2Current account 3+ more banks

Business Banking Suite

One suite for accounts, payments and spending

Explore the tools that fit the way your business banks and operates.

Your connected accounts in one dashboard

Connect supported business current accounts and see available balances, statements and transactions together.

How it works »

✓Supported bank connections
✓Balances and downloadable statements
✓One view across linked accounts

Bulk payments

Pay hundreds of vendors and staff with one file

Upload a single Excel file and ZYRO checks every row before any money moves. Fix what needs fixing, send for approval and pay from any linked account.

✓Validation for every row before you pay
✓IMPS, NEFT and RTGS from any linked bank
✓No daily transaction limit from ZYRO

vendors_october.xlsx · 248 rows

↑

File validated

247 ready · 1 needs a fix

Ravi TradersIMPS · ₹42,000Valid
Meera KumarNEFT · ₹38,500Valid
Apex SuppliesRTGS · ₹2,40,000Valid
S. IyerIMPS · ₹18,200Check IFSC

Send for approval

Scheduled payments

Set it once and every payment goes out on time

Schedule rent, vendor cycles, salaries and EMIs in advance. ZYRO sends them on the right day from the right account.

✓Single and bulk payments on a schedule
✓Choose the account to pay from
✓See the whole month at a glance

Payment schedule · October

MTWTFSS12345678910111213141516171819202122232425262728293031

RentOct 1 · auto
VendorsOct 5 · auto
SalariesOct 7 · auto

Reconciliation

Close the books without the spreadsheet marathon

Every payment and collection is matched to your bank statements automatically, so finance sees exactly what is settled and what is pending.

✓Automatic matching against bank statements
✓Clear view of anything still pending
✓Export for your accounting software

Reconciliation · this week

94% matched

Invoice INV-2041⇄Bank debit · IMPS
Invoice INV-2042⇄Bank debit · NEFT
Collection #8812⇄Bank credit · UPI
Invoice INV-2047…Awaiting bank entry

The difference

Business banking, before and after ZYRO

Without ZYRO

With ZYRO

✕Log in to a different net-banking portal for every bank

✓Every current account in one ZYRO dashboard

✕Prepare a different bulk file format for each bank

✓One Excel upload, validated before any money moves

✕Chase approvals over email and WhatsApp

✓Approvals inside the payment flow, on record

✕Download statements and reconcile in spreadsheets

✓Payments matched to bank statements automatically

✕Pay on the due date only if someone remembers

✓Schedule single and bulk payments in advance

How it works

Get started in three steps

Link your current account

Choose your bank and connect your existing business current account to ZYRO.

Approve the request

Authorise the connection with your bank. Your account and money stay where they are.

Start making payments

See balances and statements and send single or bulk payments from the ZYRO dashboard.

Features

Everything you need to run business banking

Multi-bank account management

Connect supported business current accounts and manage them from a single dashboard.

Account visibility

See available balances, transactions and activity across your linked accounts in one place.

Bulk and vendor payments

Pay vendors, staff and customers in bulk by uploading one Excel file.

Every payment mode

Send money by IMPS, NEFT or RTGS — whatever fits the amount and urgency.

Automatic reconciliation

Match payments and collections against bank statements without spreadsheets.

Cash-flow visibility

See cash across every bank and every outgoing payment in one place.

Plugs into your finance stack

ZYRO works with the tools your finance and operations teams already use.

Accounting software

Export transactions and payments to your accounting system to close the books faster.

ERP and HRMS

Push vendor and salary payments from the systems your teams already use.

Your own product

Banking APIs and webhooks to move money and fetch statements from your app.

Control and security

Built for finance teams that need control

Maker-checker approvals

Every outgoing payment can require approval by amount, beneficiary or team.

Roles and permissions

Give finance, operations and accountants exactly the access they need.

Full audit trail

Every login, approval and payment is logged for your auditors.

Money stays at your bank

ZYRO connects to your accounts — your funds never move into a ZYRO wallet.

Secure connections

Encrypted connections and secure authentication for every linked account.

No daily limit from ZYRO

ZYRO adds no transaction cap of its own; only your bank's limits apply.

Built for

Built for businesses at every stage

MSMEs

A clear view of every account, payment and approval as your business grows.

Startups

Automate payments from day one.

Enterprises

Control and visibility across many banks.

Platforms

Move money programmatically with APIs.

Business Banking Suite FAQs

The essentials, in one place.

What is ZYRO Business Banking Suite?

It brings business accounts, payments, cards and expense tools into one workspace. Your team can view balances, approve payments and track activity without switching between separate workflows.

Can I see more than one business account?

Yes. You can link your business current accounts and see balances, statements and transactions together in ZYRO.

Can I schedule and approve payments?

Yes. The suite includes scheduled payments and approval workflows for your finance team.

Can my team manage expenses here too?

Yes. Prepaid cards and expense management help your team set spending controls, review transactions and track expenses.

Where does my money stay?

Your funds remain in your bank accounts. ZYRO gives you a workspace to manage supported banking workflows and view account activity.