Programmable Money for Enterprises

A rule on every rupee. Before it’s spent.

PurposePay unifies corporate expense and CSR disbursement on one programmable-money engine — built on India’s Digital Public Infrastructure.

e-RUPI Native Aadhaar Verified MCA V3 Ready
Trusted by finance & CSR teams across
The problem

Money leaves the company before anyone has decided what it should do.

Whether it’s a fuel reimbursement or a CSR grant, today’s tools audit spend after the fact. PurposePay reverses the order.

38%

of corporate expense reports contain a policy violation that gets reimbursed anyway.

14days

average reimbursement cycle. Finance loses 60% of month-end to manual reconciliation.

₹26K Cr

mandatory CSR outlay from Indian corporates — yet CFOs cannot prove fund-end-use to the Board.

One platform, two suites

The same rule engine for every rupee a company spends.

Pillar I

Corporate Spend

Vouchers, cards and reimbursements share one rule book. Control happens at issuance and at swipe — not in a year-end audit.

  • e-RUPI vouchers locked to MCC and merchants
  • Real-time card auth with pre-swipe policy checks
  • OCR-driven reimbursement with GST & ITC tracking
  • SAP / Oracle / Tally / Zoho recon
Explore PurposePay Spend
Pillar II

CSR Stewardship

Verified beneficiary disbursement, milestone-based tranches, and Form CSR-2 generated as a byproduct of the ledger.

  • NGO discovery with CSR-1 verification
  • Aadhaar / e-Shram identity layer at allocation
  • Form CSR-2 + Rule 8 audit, automated
  • Real-time impact dashboards for the Board
Explore PurposePay CSR
How we stack up

Transparent pricing in a category that hides behind “contact sales”.

India’s leading expense and CSR tools rarely publish per-seat pricing — Happay, Volopay and Zaggle Save all gate it behind a sales call. PurposePay publishes it, undercuts it, and gives you programmable money on top.

Capability
Happay / Volopay
Zaggle / Kodo
PurposePay
Published per-seat pricing
Contact sales
Contact sales
₹399 / employee / month
Programmable money (e-RUPI native)
Cards only
Cards + wallets
Vouchers · Cards · Claims
Real-time policy at swipe
Cards only
Cards only
All three modes
CSR + Form CSR-2 in same platform
No
No
Built-in suite
Free migration from existing tool
Self-serve
Paid services
White-glove, included
Bank + ERP + GL connectors
Limited
Selective
SAP · Oracle · Tally · Zoho · 30+ banks

Pricing & capability claims based on competitor public websites · Q1 2026.

Pricing

Pay for what you use. Migrate for free.

No quote-on-request. No hidden setup fees. No paid migration projects.

Spend
₹399/ employee / month
For finance & ops teams running internal expense.
  • Vouchers, cards & reimbursement
  • Real-time policy engine
  • ERP & HRMS sync
  • GST & ITC tracking
CSR
0.4% of allocation under management
For corporates with a Schedule VII CSR mandate.
  • NGO discovery & due diligence
  • e-RUPI + Aadhaar disbursement
  • CSR-2 + Rule 8 automation
  • Real-time impact dashboards
Switch in days, not quarters

Migrate from your current tool — for free.

Already on Happay, Zaggle, Volopay, Kodo, EnKash, Fyle, RazorpayX, Mysa, Zoho Expense or a CSR platform like CSRBox or SoulAce? We’ll move policies, employees, vendors, beneficiaries, NGO master data, historical receipts and ledger postings — automated and validated.

01
Connect & extract

Read-only API + CSV importers for the top 12 spend & CSR tools. Nothing breaks in your existing flow.

02
Map & replay

Policies, GL codes, cost centres and CSR project IDs auto-mapped. We replay history into PurposePay’s ledger so reports match.

03
Cut over

Run both tools side-by-side for two weeks, then flip. Your audit trail stays continuous across the switch.

Banking · cards · payouts
HDFC
ICICI
SBI
Axis
Kotak
Yes Bank
M2P
RazorpayX
NPCI · UPI
ERP & general ledger
SAP S/4
Oracle Fusion
Tally
Zoho Books
QuickBooks
Microsoft D365
HRMS · identity
Darwinbox
Keka
BambooHR
SAP SuccessFactors
Aadhaar Vault
e-Shram
How it works

Three steps. Eight weeks to live.

01

Define the rules

Map your existing spend policy or CSR programme to programmable rails — MCC locks, geo-fences, identity checks, milestone tranches.

02

Issue programmable money

Vouchers, cards or e-RUPI grants flow to employees, vendors or beneficiaries — settled instantly on India’s public rails.

03

Reconcile & report

Every transaction lands ledger-ready: GST extracts, CSR-2 forms and Board dashboards are a byproduct, not a project.

Foundation

Built on India’s Digital Public Infrastructure.

Every transaction settles on a public rail. Lower unit cost, regulator-friendly auditability, zero vendor lock-in.

e-RUPI
Purpose-locked vouchers, MCC + merchant whitelist.
Aadhaar & e-Shram
Identity, KYC, socio-economic verification.
UPI · NEFT · IMPS
Real-time disbursement to employees, vendors, NGOs.
GSTN
Live ITC eligibility & invoice matching at swipe-time.
Card Issuing APIs
Virtual + physical cards with MCC and limit controls.
Bharat Connect
Vetted merchant network for redemption & recon.
MCA V3
Direct mapping for Form CSR-2 and Rule 8 filings.
SAP · Oracle · Tally
Two-way ERP sync on ledger postings & CoA.
Trust & security

Bank-grade by design. Audit-ready by default.

PurposePay holds the certifications and posture that finance, security and compliance teams expect.

CERTIFIED
SOC 2 Type II

Annual independent audit of security controls and operational maturity.

CERTIFIED
ISO 27001

Information security management system across infrastructure and process.

COMPLIANT
RBI & NPCI

Card issuing & e-RUPI flows under licensed banking partner rails.

COMPLIANT
DPDP Act 2023

India’s data protection regime — minimal collection, purpose-bound retention.

FAQ

Common questions from CFOs and CSR heads.

How is PurposePay different from a corporate card or expense tool?
Card and expense tools react to spend. PurposePay puts a programmable rule on every rupee at the moment of issuance — a fuel voucher is locked to a petrol pump MCC, a CSR grant to a verified beneficiary. Reconciliation becomes a byproduct, not a project.
Do we need to switch banking or ERP partners?
No. PurposePay sits on top of your existing card-issuing bank, NPCI rails and ERP. We integrate with SAP, Oracle, Tally and Zoho out of the box.
How long does implementation take?
A typical pilot is live in 8 weeks — discovery (2 weeks), configuration (3 weeks), pilot go-live (3 weeks). Org-wide rollout follows in weeks 8–12.
Is beneficiary data stored on PurposePay?
No. We use Aadhaar Vault and e-Shram as the source of truth — PurposePay holds tokens and verification receipts only. We are DPDP Act compliant by design.
Can we run only the Spend or only the CSR suite?
Yes. The two suites share a policy engine but are independently licensed. Most enterprises start with one and add the other within 6 months.
Get started

Run a 30-day pilot with us.

Bring one cohort — a single department’s expense or a single CSR project — and we’ll have it on programmable rails before your next board meeting.