The financial OS for
freelancers & agencies
Create invoices, collect UPI payments, track profits, and understand clients — all in one place.
Powerful Features
Show what you can do, not just marketing fluff.
Everything you need to run your freelance or agency finances smoothly.
Smart Invoicing
Generate professional GST/Non-GST invoices in seconds with custom branding.
UPI Payment Collection
Accept instant payments via any UPI app with dynamic QR codes.
Profit & Revenue Analytics
Deep dive into your earnings, expenses, and net profit margins.
Custom Invoice Creation
Know your client's reliability before you start work based on history.
Auto-Reconciliation
Matches incoming payments to invoices automatically. No manual tracking.
Global Payments View
Consolidated dashboard for all your freelance and agency revenue streams.
Process
Get Started in 4 Simple Steps
Payments
Hold payments in a secure digital vault until project deliverables are met. Build trust without the middleman.
Custom Invoice Creation
Every client gets a Custom Invoice on their payment history. Avoid bad payers and prioritize high-value clients.
Deliverables Paywall
Automatically lock final files until the UPI payment is successfully verified. No more 'invoice sent' ghosting.
Underpricing Alerts
Smart analytics that tell you if you're charging below market rate for your skills. Maximize your agency revenue.
Insights
Visualize your profit,
master your agency.
Unpaid Value
Profit Margin
78%
Audience
Designed for the modern economy.
Paylio is built for the specific needs of service-based businesses in the digital age.
Freelancers
Get paid faster and track your growth without messy spreadsheets.
Agencies
Manage multiple clients, team revenues, and agency-grade invoicing.
Consultants
Focus on your advice, let us handle the retainer and project payments.
Small Businesses
A complete financial OS to run your operation with zero clutter.