Question 1

What is deci.money Payouts?

Accepted Answer

deci.money Payouts is a banking and fintech infrastructure platform that enables businesses to make automated payouts such as vendor payments, salary and reimbursement disbursements, incentives, commissions, and other bank transfers in a secure and compliant manner through partner banks.

Question 2

Who can use deci.money Payouts?

Accepted Answer

deci.money Payouts is built for businesses that make frequent payments, including staffing and manpower firms, marketplaces, aggregators, NBFCs and lenders, service companies, SaaS platforms, and enterprises that need reliable, large-volume payouts.

Question 3

What payout modes does deci.money support?

Accepted Answer

deci.money supports IMPS, NEFT, RTGS, and bank transfers, depending on the transaction amount, timing, and merchant configuration with the partner bank.

Question 4

How are payouts initiated on deci.money?

Accepted Answer

Payouts can be initiated using the dashboard or APIs. Bulk files can be uploaded or payouts can be triggered programmatically. Each transaction is validated, sent to the partner bank, and tracked till completion.

Question 5

Can deci.money handle bulk payouts?

Accepted Answer

Yes. Bulk payouts allow thousands of transactions in a single batch, useful for salary runs, vendor settlements, commissions, and high-volume disbursements.

Question 6

How quickly do beneficiaries receive the money?

Accepted Answer

IMPS payouts are generally near real-time, subject to bank limits and uptime. NEFT and RTGS follow bank clearing windows and cut-off times.

Question 7

How are payout accounts funded?

Accepted Answer

Businesses fund their mapped payout or settlement account during onboarding. Payouts are debited from this balance as per configured rules.

Question 8

Can I track payout status and UTR on deci.money?

Accepted Answer

Yes. Every transaction includes status, bank reference details, and UTR. Reports can be downloaded for reconciliation and audits.

Question 9

What happens if a payout fails?

Accepted Answer

If a payout is rejected due to incorrect account details, restrictions, or bank issues, the amount remains in or returns to the source balance as per bank policy. Failure reasons are displayed in reports.

Question 10

What charges apply to payouts?

Accepted Answer

Pricing depends on the merchant agreement and bank charges. Fees may be per-transaction or slab-based. Charges are fully transparent.

Question 11

Is deci.money compliant for real money payouts?

Accepted Answer

Yes. Payouts are processed through regulated banking partners under applicable RBI and banking guidelines with secure access controls and transaction logs.

Question 12

What reports and reconciliation support does deci.money provide?

Accepted Answer

Payout reports include transaction status, timestamps, mode, and UTR. Reports can be exported or mapped to finance systems for daily reconciliation.

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