Pazy, an emerging fintech startup headquartered in Bengaluru, has successfully raised ₹6 crore (approximately $720,000) in a pre-seed funding round. Inuka Capital led the round, while Gemba Capital also participated, reflecting growing investor confidence in India’s B2B fintech innovation ecosystem. The investment arrives at a crucial stage for Pazy, which focuses on transforming how finance teams manage and execute business payments.
This capital injection will power Pazy’s efforts to sharpen its product capabilities, enhance integration across India’s financial ecosystem, and drive platform growth. The company has set an ambitious target to handle ₹10,000 crore in annual business spending within the next twelve months. The funding represents a key milestone for the startup as it gears up for aggressive expansion in the underserved and fragmented B2B payments segment.
Solving Real Problems for Finance Teams
Pazy addresses one of the most complex challenges in business finance—streamlining payments across vendors, systems, and departments while maintaining visibility, control, and compliance. In India, business payments often remain tethered to traditional banking platforms, clunky ERP integrations, and manual reconciliation processes. These inefficiencies waste time and create operational bottlenecks, particularly in mid-sized and large enterprises.
The platform simplifies and automates the way finance teams initiate, track, and reconcile payments. Pazy enables seamless disbursements through integrated banking APIs, offers real-time insights into cash flow, and provides control mechanisms to reduce leakage and human error. By bringing everything into a unified dashboard, the startup gives CFOs and finance managers the power to manage high-volume business spends with precision and speed.
Unlike legacy payment systems or basic accounting tools, Pazy doesn’t treat payments as a back-office function. Instead, it positions business spending at the core of strategic decision-making. Finance teams can define approval workflows, analyze trends, detect anomalies, and implement policy controls—all from a single platform.
Why Investors are Backing Pazy
Inuka Capital and Gemba Capital recognized Pazy’s potential to reimagine B2B payments for modern finance operations. Their investment validates both the scale of the opportunity and the strength of Pazy’s early execution. India’s business payments market continues to grow at double-digit rates, yet only a small fraction of this volume flows through optimized platforms built specifically for finance teams.
Traditional banking interfaces fail to meet the expectations of today’s digitally native CFOs. Enterprise resource planning (ERP) systems often lack intuitive, real-time payment modules. Expense management apps, while helpful, don’t offer the full stack capability required to handle complex B2B payments, treasury workflows, and compliance requirements. Pazy steps into this gap.
With a vertical focus on business payments—not personal finance or peer-to-peer transfers—Pazy appeals to companies looking to modernize their financial backend without replacing their entire infrastructure. The startup’s platform integrates with existing ERPs, banking systems, and procurement tools, ensuring smooth adoption for enterprise clients.
The leadership team’s domain expertise also played a major role in attracting investment. The founders bring a mix of fintech experience and enterprise software know-how, positioning them well to navigate regulatory frameworks and enterprise sales cycles.
Strategic Use of Capital
Pazy will utilize the ₹6 crore infusion strategically to strengthen its core platform. First, the team plans to expand product capabilities by adding advanced analytics, AI-driven payment suggestions, and automated reconciliation tools. These enhancements will help finance teams make faster, data-backed decisions while reducing workload.
Second, the startup will deepen integrations across the financial ecosystem. This includes partnerships with banks, payment gateways, compliance tools, and accounting software providers. By building a tightly-knit network of integrations, Pazy aims to become the default control tower for business payments in India.
Third, the company will invest in scaling infrastructure and operations to manage increased transaction volumes. Pazy aims to process over ₹10,000 crore in annual spend within a year—a target that demands robust backend systems, stringent security protocols, and high availability.
To support this scale-up, the company is also planning to grow its engineering, customer success, and sales teams. Pazy understands that product maturity alone won’t drive adoption in the enterprise world; strong onboarding, customer support, and strategic account management are critical to long-term retention.
A $200 Billion Opportunity
India’s B2B payments market, pegged at over $200 billion in annual transaction volume, presents a huge opportunity. Despite digital adoption in consumer payments, business transactions continue to rely on legacy systems and manual processes. Companies often manage payments through spreadsheets, shared email chains, and fragmented software tools—none of which offer real-time control or traceability.
The Reserve Bank of India’s push for digital infrastructure, combined with the proliferation of APIs and UPI-based innovations, has created favorable conditions for a new wave of business payment platforms. Pazy’s approach aligns with these trends by leveraging open banking APIs, secure authentication protocols, and intelligent automation.
Moreover, finance leaders now demand solutions that combine compliance, efficiency, and user experience. Pazy provides this trifecta. By helping companies reduce the cost of payment operations, improve cash flow visibility, and prevent fraud, the platform delivers tangible ROI—an essential factor in today’s cost-conscious environment.
Building for India, Scaling Globally
While Pazy is currently focused on the Indian market, its product architecture and modular design allow for global scalability. As cross-border trade and multi-currency transactions become common even for mid-sized firms, platforms like Pazy will play a pivotal role in simplifying global financial operations.
The team has already laid the groundwork for international expansion, including partnerships that enable foreign currency disbursements, localized tax compliance, and KYC norms. However, the startup intends to solidify its position in the Indian market first before exploring overseas opportunities.
Looking Ahead
With a sharp focus on product, integrations, and scalability, Pazy is entering a critical growth phase. The ₹6 crore pre-seed funding marks not just financial backing but a vote of confidence in the startup’s mission to revolutionize business payments.
Over the next twelve months, Pazy aims to onboard hundreds of enterprise customers, expand its partner network, and process billions in business spends. The startup’s success could reshape how Indian businesses think about finance operations—not as a reactive function but as a strategic, data-driven engine.
As digital transformation continues to redefine industries, Pazy stands well-positioned to lead the next wave of fintech innovation in the B2B space. With strong investor support, a growing market, and a clear vision, the company is not just solving a problem—it’s rewriting how Indian finance teams operate at scale.
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