Use the credit card you already have for vendor payments, invoices and utility bills. Your vendor receives the money in their bank account, and you repay on your next card bill due date.
PayKaasu is an Indian payments platform, designed, built and operated end to end in-house. Product, engineering, operations and customer support all sit under one roof.
The platform is built on a simple model: payer → PayKaasu → payee. Each payment is a single record that carries its own status, and every change to it is logged, so there is always one source of truth for where the money is. Vendor payments, invoice payments and utility bills all run on this one payments core, and the same foundation is built to support more payment journeys as the platform grows.
We work alongside regulated banking and payment partners, and our engineering focus stays on one thing: payments that are reliable, traceable and easy to reconcile.
Most business cards carry unused limit every month. PayKaasu turns that limit into vendor payments, invoice payments and utility bills, so you can pay on time without touching your current account balance.
Pay a vendor today and repay your card issuer on your normal due date. As long as you clear the full statement on time, your bank charges no interest.
No overdraft, cash-credit line or fresh loan application. You use a credit limit your bank has already approved. No additional credit check by PayKaasu.
Your vendor does not need to accept cards. They receive the payment in their bank account through IMPS / NEFT / RTGS, like any regular transfer.
Choose Instant (T+0) for urgent payments or Standard (T+1) for planned payments, depending on how quickly the vendor needs the funds.
Eligible payments may earn reward points or cashback as per your card issuer's programme.
Each transaction gets a reference ID, UTR number and downloadable receipt, and a GST invoice for the PayKaasu convenience fee.
Paying vendors early or on time gives you room to ask for early-payment discounts, while your own cash stays in the business for the credit period.
Save your business credit card securely. It is tokenised; the full number is never stored by PayKaasu.
Enter the vendor's bank account and IFSC once. We verify the account before the first payment.
Enter the amount, confirm with your card OTP, and track the payout until it reaches the vendor.
Choose "Pay a Vendor" from the PayKaasu dashboard or app.
Pick a saved vendor, or add a new one with business name, bank account number, IFSC, mobile number and GSTIN.
For new vendors, PayKaasu confirms the account holder name with the bank so money does not go to the wrong account.
Add the amount, invoice number and purpose. Attach the vendor invoice. Choose the settlement mode.
See the payment amount, convenience fee, GST on the fee and total card charge before you confirm. Authenticate with your card issuer's OTP (3-D Secure).
The payment moves from Initiated to Processing to Settled. Once settled, you get the UTR number and a downloadable receipt; the vendor gets an SMS or email alert.
Cards are tokenised as per RBI card-on-file rules; PayKaasu does not store full card numbers.
Processed through a PCI DSS certified payment partner.
Every payment is approved with the card issuer's OTP (3-D Secure).
All traffic encrypted with TLS 1.2 or higher.
Login with mobile OTP, device binding and optional app PIN.
Business and user KYC (PAN, GSTIN, Aadhaar-based verification) before higher limits unlock.
Payee verification, velocity limits and self-transfer blocks.