Voucher-only tools (CotoPay) stop at e-RUPI. Card-only tools (Happay, Zaggle, Volopay) react at swipe. PurposePay unifies vouchers, cards and reimbursement under one policy engine — and shares it with our CSR suite, so the CFO runs internal expense and the Schedule VII mandate from the same console.
Predictable spend on a voucher, ad-hoc travel on a card, exceptions on reimbursement — and one policy engine deciding what is allowed.
Issue purpose-locked vouchers for fuel, meals or per-diem. MCC-locked, non-transferable, and instantly settled on India's e-RUPI rail.
Virtual + physical cards with real-time pre-swipe authorization. Adjust limits and freeze cards instantly from the dashboard.
Snap-to-claim with OCR extracting amount, vendor and GST. Policy violations flagged on upload, not at month-end.
Category limits, MCC blocks, geo-fences, time-of-day restrictions — declarative, auditable, versioned.
Auto-onboard employees from Darwinbox, Keka, BambooHR. Spender / approver / controller roles with granular scope.
Real-time GSTN match at swipe — ineligible ITC flagged before it hits the ledger.
Card statements, wallet ledger and ERP postings matched automatically. Month-end in hours, not weeks.
Anomaly detection on velocity, geography and merchant patterns. Suspicious transactions auto-held for review.
SAP S/4, Oracle Fusion, Tally, Zoho — two-way ledger sync on chart of accounts and cost centres.
India’s spend category splits into voucher-only tools (CotoPay), card-only expense tools (Happay, Volopay, Zaggle, Kodo, EnKash) and reimbursement-first tools (Fyle, Zoho Expense). PurposePay does all three on one rule engine — and a CSR suite no one else carries.
Pricing & capability claims based on competitor public websites · Q2 2026.
Already on a card-only or voucher-only tool? Our migration team replays your existing platform’s policies, employees, cost centres, vendor masters, card limits, voucher templates and historical claims into PurposePay. Your audit trail stays continuous across the switch.
Read-only API or CSV pull from your current tool — no disruption.
Policies, GL codes and approval matrices auto-mapped, sample-tested with your team.
Two weeks of parallel run, then cut over. We absorb the migration cost.
Bring one cohort onto programmable rails. Most pilots go live in eight weeks.