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Earnings stuck in T+7
Riders, drivers and beauty professionals wait 5–14 days for their earnings. Rent, fuel and grocery bills don't. The gap is paid for in informal-credit interest.
Live with partners · Sub-60-second payouts
AI-powered financial infrastructure for
India's Gig Economy.
Payouts, earned wage access, credit, reconciliation and 360° business insights — on one stack, distributed through the platforms India already works on.
- 23.5MGig workers by 2030
- <60sPayout settlement
- 4360° product surfaces
- 6Credit lines, one stack
Capital partners · RBI-regulated NBFCs & banks
The problem
Why India's informal economy struggles.
Blue-collar workers, kirana shops and small schools run on broken financial plumbing — no instant payouts, no underwriting that sees them, no safety net when a day goes sideways.
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The kirana cashflow crunch
India's 13M neighborhood stores survive on day-to-day liquidity. Without working capital lines or supplier credit, a slow week turns into a closure.
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Schools that can't close the books
Small schools and learning centers lose hours every week chasing parent fees, and the teachers and Anganwadi workers behind the room are paid late for it.
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Invisible to formal credit
40% of Indian adults have no salary slip, no bureau score and no collateral. The default answer from formal credit is 'no' — even when income is steady.
01 · The opportunity
A 23.5 million strong workforce by 2030.
India's gig & platform workforce will roughly 3×this decade. Most of them are invisible to formal banking — that's the market Paynorma was built for.
3×
Workforce grows ~3× this decade
56%
of new employment created by gig & platform economy
$11.5B
India's quick-commerce market — 2× YoY GMV ($7B order value, 2025)
Built for India's gig economy
Supporting gig workers from leading platforms.
Riders, drivers and home-service pros powering quick commerce, food delivery, ride-hailing and home services — Paynorma plugs into the worker apps they already open every day.
All third-party names and marks are property of their respective owners.
02 · Products
Two products. One financial OS.
An app in the worker's pocket. A console on the operator's screen. Both running on the same payments, credit, identity and insurance core.
For workers
Paynorma App
Financial freedom in the pocket of India's daily wagers — earnings, advances, credit, insurance and partner perks on one screen.
- Wage collection
- Bridge wage delay (EWA)
- Short-term loans
- Corporate UPI access
- Insurance, embedded
- Eat & refresh coupons
For businesses
Paynorma Console
A single dashboard to run a gig workforce — pay, lend, collect, sponsor insurance and reconcile every rupee on its way in or out.
- Workforce & payouts
- Collections & recon
- Rolling credit lines
- Supply-chain payments
- Marketplace settlements
- CUPI · Insurance · Coupons
03 · Credit solutions
Six credit lines built for India's working economy.
From a rider's emergency advance to a kirana's quarterly working-capital line — credit that's underwritten on real-world data, repaid through real-world cash flow.
₹2K – ₹50K
Blue-collar credit
Micro-loans underwritten on earnings data, not CIBIL. Repaid through future payouts.
Learn moreT+0 · per shift
Earned wage access
Draw earned-but-unpaid wages on demand. Repayment netted at source.
Learn more₹1L – ₹50L
Working capital
Short-tenure working-capital lines for kirana, fleet ops and aggregators.
Learn moreB2B
Invoice discounting
Get paid on day-0 against verified invoices — Paynorma takes counter-party risk.
Learn moreSupply chain
Vendor payment financing
Pay your vendors today, settle with Paynorma on agreed credit terms.
Learn moreFloat
Just-in-time payments
Bridge cash-flow gaps with intraday float on outgoing payments.
Learn more04 · Industries
Built for the operators who run India.
Across five industry surfaces, Paynorma plugs into the workflows that already exist — and the workers who are already working.
Quick-commerce riders & dark-store fleets
Delivery
Paynorma plugs into the delivery workflow — payouts, EWA, credit and insurance for the workers behind it.
Learn more
Ride-hailing, auto and cab drivers
Mobility
Paynorma plugs into the mobility workflow — payouts, EWA, credit and insurance for the workers behind it.
Learn more13M neighbourhood stores
Kirana
Paynorma plugs into the kirana workflow — payouts, EWA, credit and insurance for the workers behind it.
Learn moreAnganwadi, ASHA & EdTech operators
Education
Paynorma plugs into the education workflow — payouts, EWA, credit and insurance for the workers behind it.
Learn more
23.5M strong, on one wallet
Workers
Paynorma plugs into the workers workflow — payouts, EWA, credit and insurance for the workers behind it.
Learn more
The day my fleet plugged into Paynorma, my riders stopped asking for advances at the supervisor's desk. Earnings hit their wallets while they're still on the bike.
Operations lead, quick-commerce fleet partner
Bengaluru · 4,200+ riders onboarded
Turn your workforce into a financially-stable engine.
30-minute call. We'll walk you through what one signup unlocks.