NEO Banking

NEO Banking

Digital-First Banking Infrastructure for Agile, API-Driven Businesses

Gairik Neo Banking solutions offer fully digital, regulatory-compliant alternatives to traditional banking for modern businesses. Whether you’re a startup, fintech platform, eCommerce brand, or aggregator, our neo banking stack helps you open, manage, and automate business accounts, virtual ledgers, and payouts, all via API, all in real-time.

As a Technology Service Provider to leading banks and payment systems in India, Gairik provides deep integrations that reduce friction, eliminate paperwork, and accelerate operational banking at scale.

Why Choose Gairik Neo Banking for Your Business?

We simplify digital payments — so you can focus on growing your business.

API-First Banking for Scale & Speed

Move beyond traditional banking interfaces—our REST APIs let you initiate, track, and control banking operations from your own apps or ERP.

Multi-Account & Role-Based Controls

Manage multiple accounts for different departments, clients, or regions—with access controls for finance, ops, and leadership.

Smart Reconciliation & Reporting

Real-time matching of inflows, outflows, tax components, and invoices ensures accurate, automated bookkeeping.

How It Works

Here’s how Gairik helps you deploy digital-first banking services:

  • 1. Activate Virtual Current Accounts: Open accounts tied to business logic, location, or customer groups.
  • 2. Integrate Payouts & Collections: Use UPI, IMPS, NEFT, or API payouts linked to your virtual accounts.
  • 3. Automate Cash Flow Movement: Set triggers for transfers, wallet loads, or EMI deductions in real-time.
  • 4. Enable Smart Ledgering: Get granular reporting of every inflow, outflow, and settlement.
  • 5. Offer Branded Banking to Customers: Launch customer-facing portals or apps with your brand + Gairik backend.
  • 6. Ensure RBI-Compliant Oversight: Every feature is aligned with banking norms and can be layered with KYC rules.

Our team handles everything from compliance to technical testing — so you can launch confidently.

Payment Gateway Flow

Grow Faster with Gairik

Banking That Moves at Business Speed. Go beyond traditional accounts, offer programmable, API-first banking at scale. With Gairik Neo Banking, unlock:

Virtual Current Accounts

Multi-Account Controls

Integrated KYC & Risk Checks

UPI, IMPS, NEFT, RTGS Flows

Smart Cash Flow Visibility

Banking that’s built around how you operate, not the other way around.