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How it works


30-second Onboarding

Easy eKYC through Aadhaar and biometric.

One Click Distribution of Salaries

Easy to use corporate portal for managing employee salary

Start spending anytime, anywhere

Employees can start using NiYO at ATMs or 1.5+ million outlets online and offline

Benefits for Corporates


Digital salary process

No more salary distibution in cash

Instant activation

Easy to onboard new employees instantly.

Corporate Portal

Ease of managing employee payroll.

Benefits for your Employees


5 year validity

Your NiYO card stays valid for 5 years.

Wide Acceptance

Use NiYO at ATMs or 1.5+ million outlets online and offline

No Minimum Balance

NiYO card doesn't require any minimum balance or hidden charges.

Access to corporate portal

Payroll disbursement made easy

Every customer has access to their own corporate portal – single location to view all employee information, wage and salary details and view all payroll details. Corporate portal provides the latest information on all payroll related transactions. It provides your security features where in you can even block and cancel cards in case of any emergency. The corporate portal is a cloud based platform, and can be accessed from anywhere anytime. In addition to the corporate portal, we also provide custom monthly reports to all NiYO customers.

NiYO Payroll Account

Easier employee onboarding

With the NiYO wage and payroll card solution, your wage earners need not have any prior bank accounts. The NiYO account is like any other banking account. We do the employee onboarding, and you get to see all the employee information and transactions in one single location using the customer corporate portal. To ensure easy adoption of the payroll solution, there are no minimum balance requirements for the NiYO payroll account.