Disburse Funds at Scale
IMPS, NEFT, RTGS, and UPI payouts. Bulk disbursal. Real-time status webhooks and maker–checker controls.
Built for every disbursement scenario
From payroll to gig payouts-Payrok routes IMPS, NEFT, RTGS, and UPI with validation before release.
Salary Disbursal
Monthly payroll batches with duplicate detection and beneficiary cooling periods.
Vendor Payments
Supplier invoices with purpose codes, GST references, and approval workflows.
Refunds
Customer refunds to bank accounts with idempotency keys and RRN traceability.
Cashback & Rewards
Instant gratification payouts tied to loyalty campaigns and promo ledgers.
Loan Disbursal
NBFC and lending platforms disburse tranches with velocity limits per borrower.
Gig Worker Payments
Driver, delivery, and creator payouts with 24×7 IMPS and UPI rails.
Payout modes
IMPS
24×7 instant
Real-time credits for wages, refunds, and urgent supplier settlements.
NEFT
Batch-friendly
Predictable settlement windows for B2B and high-volume payroll files.
RTGS
High value
Large-ticket transfers above RBI thresholds with dedicated cut-off alerts.
UPI Payout
VPA disbursement
Push funds to UPI handles with the same webhook spine as bank rails.
Platform features
Bulk Upload
CSV or API batches-10,000+ payouts per file with row-level validation.
Account Validation
Penny drop and name match before first release to cut failed credits.
Real-time Status Webhooks
Success, pending, and return reasons mapped to your ledger in seconds.
Maker–Checker Workflow
Role-based approvals and API keys with segregation of duties.
Reconciliation Reports
Auto daily statements aligned to cost centers and entity hierarchies.
Dedicated Payout Balance
Prefunded virtual account pooling with low-balance alerts.
Bulk payout flow
Upload once-Payrok validates, routes, and notifies your systems at every step.
Upload CSV/API
Beneficiary file or JSON array
Validate
IFSC, penny drop, limits
Approve
Maker–checker sign-off
Disburse
IMPS / NEFT / UPI / RTGS
Webhook
Status to your ledger
Indicative payout pricing
| Channel | Fee structure | Notes |
|---|---|---|
| IMPS Payout | ₹5/txn | Per transaction |
| NEFT Payout | ₹2/txn | Per transaction |
| UPI Payout | ₹3/txn | Per transaction |
Final commercials depend on underwriting. See Pricing for the full rate sheet.