Business Banking Software for Indian SMEs
Connect every bank account, reconcile transactions in real time, run payouts, issue corporate cards and forecast cash flow — all from one dashboard. Built for SMEs, startups, CAs and enterprises.
Every banking workflow, in one platform
Indian SMEs typically run 3–7 bank accounts and switch between separate portals every day. Aczen replaces all of them with a single dashboard that's tied directly to your books.
Multi-Bank Dashboard
Connect every business bank — ICICI, HDFC, SBI, Axis, Kotak, Yes Bank and 100+ others — and see live balances, transactions and statements in one place.
Auto-Reconciliation
Bank feeds match transactions to invoices, bills and ledgers in real time. Mismatches and missing entries are flagged immediately — no more month-end surprises.
Corporate Expense Cards
Issue virtual and physical cards to employees with custom limits, merchant categories and approval workflows. Every spend is auto-tagged to a project or cost centre.
Bulk Payouts
Run salary, vendor and contractor payouts from any connected bank with one upload. UPI, NEFT, RTGS and IMPS — Aczen routes through the cheapest channel automatically.
Cash Flow Forecasting
13-week rolling cash forecast based on actual receivables, payables and recurring transactions. See runway, working-capital gaps and seasonal dips before they hit.
Multi-Entity Support
Run banking, accounting and reporting across multiple entities, GSTINs and currencies — with consolidated dashboards for the parent company.
Aczen vs RazorpayX vs Open vs traditional banking
The most-used business banking platforms in India compared on the workflows that matter for finance teams.
| Feature | Aczen | RazorpayX | Open | Traditional bank portal |
|---|---|---|---|---|
| Multi-bank live dashboard | ||||
| Auto-reconciliation to ledgers | ||||
| Built-in accounting & GST | ||||
| Corporate expense cards | ||||
| Bulk payouts (UPI/NEFT/RTGS) | ||||
| Cash flow forecasting | ||||
| Multi-entity consolidation | ||||
| RBI / ISO 27001 compliant |
Built for finance teams of every size
One dashboard — whether you run a single current account or treasury across 50 entities.
SMEs & MSMEs
One dashboard for every bank, every payout and every reconciliation.
Learn moreStartups
Investor-grade cash-flow forecasts, runway tracking and burn analysis from day one.
Learn moreEnterprises
Multi-entity, multi-currency banking with consolidated treasury reporting.
Learn moreChartered Accountants
Reconcile client books across 100+ bank accounts without ever logging into a banking portal.
Learn moreWhy finance teams pick Aczen for banking
Most "business banking platforms" are payment products with a dashboard. Aczen connects directly to your existing banks and ties every transaction back to your books, GST and vendor records — so banking and accounting are one workflow, not two.
Reconciliation in minutes
Bank feeds + auto-matching mean a month-end reconciliation that used to take a junior accountant 2 days now takes 20 minutes. Mismatches surface immediately, not at audit.
Forecast that's actually accurate
Because Aczen has every invoice, bill and bank transaction, the cash forecast is built on actual data — not founder guesses. See runway and working-capital risk weeks ahead.
Bank-grade security
AES-256 at rest, TLS 1.3 in transit, ISO 27001 certified infrastructure within India. Maker-checker workflows on every payout. Read-only bank feeds — your money stays at your bank.
One source of truth
Banking, accounting, GST, payments and CRM live in the same database. No CSV exports, no integration breakage, no reconciliation between systems that should agree.
Frequently asked questions
Everything you wanted to know about Aczen business banking software.
What is business banking software?+
Business banking software is a platform that connects all of a company's bank accounts and gives finance teams a unified view of balances, transactions, payouts and reconciliation. Aczen extends this with native accounting, GST, expense cards and cash-flow forecasting — replacing the typical stack of a banking dashboard, Tally and spreadsheets.
Is Aczen a bank?+
No. Aczen is not a bank — it's an RBI-aware platform that connects to your existing business bank accounts via secure bank feeds and partner APIs. Your money stays with your bank; Aczen makes it usable.
Which Indian banks does Aczen support?+
Aczen supports 100+ Indian banks including ICICI, HDFC, SBI, Axis, Kotak, Yes Bank, IndusInd, RBL, IDFC FIRST and most public-sector banks. New connections are added every month.
Can I issue corporate cards through Aczen?+
Yes. Aczen supports virtual and physical corporate cards in partnership with regulated card-issuing banks. Set per-card limits, restrict merchant categories, approve transactions in real time and auto-post every spend to the right ledger.
How does cash flow forecasting work?+
Aczen builds a 13-week rolling forecast from your bank balances, open invoices, scheduled payouts and recurring patterns. Adjust assumptions in scenarios — best case, base case, worst case — to see runway and working-capital gaps weeks ahead.
Is Aczen secure for handling our banking data?+
Aczen uses bank-grade AES-256 encryption at rest, TLS 1.3 in transit, is hosted on ISO 27001 certified infrastructure within India, and follows RBI guidelines for data localisation. Read-only bank feeds mean Aczen can never move money without explicit approval workflows.
Run your business banking on Aczen
Free starter plan. Connect your first bank in under 5 minutes. See live balances, payouts and reconciliation in one dashboard.