Key Takeaways
Pricing should be evaluated alongside features when choosing an expense management tool because it determines how the system scales with usage.
UPI has become the default rail for everyday business spending in India, increasing transaction frequency across operational teams.
Usage-linked UPI spend systems like OmniCard connect platform cost to how wallets are used over time.
Predictable, flat-fee UPI spend managers like CashBook keep software cost independent of transaction behaviour.
For growing businesses and enterprises with on-ground teams, pricing predictability is now a structural requirement for scaling expense management cleanly in 2026.
Expense Management Has Moved Closer to Operations
Expense management in India has changed quietly but fundamentally over the last decade.
What once existed primarily to process reimbursements has moved closer to day-to-day execution. Today, it determines how quickly teams can be deployed, how funds reach employees, and how much control finance teams retain while money is being spent.
For growing businesses, this shift changes how platforms are evaluated. Decisions are no longer made only by finance or procurement. Founders and operators increasingly care about how fast a system can be put to use and how well it scales without friction.
This context explains why many businesses using OmniCard, or considering it, begin reassessing alternatives as usage grows. The question is rarely about capability. It is about alignment with operational reality.
How Business Spending Looks on the Ground Today
Most business spending today is not episodic or high-ticket. It is frequent, local, and operational.
Fuel, meals, local travel, courier charges, small vendor payments, and maintenance dominate daily expenses, especially for sales, logistics, and service teams.
UPI has become the default way to make these payments. It works everywhere, requires no learning curve, and fits naturally into how teams operate.
The result is not necessarily higher budgets, but higher transaction frequency. This shift in behaviour frames both how pricing is experienced and how quickly a platform needs to deliver value.
CashBook vs OmniCard: Commercial Overview
Aspect | CashBook | OmniCard |
|---|---|---|
Pricing structure | Flat monthly or annual fee | Usage-linked |
Cost predictability | Fixed | Variable |
Transaction charges | None | Applied |
Wallet reload charges | None | Common |
Time to first transaction | Same day | Depends on sales cycle |
OmniCard’s UPI Wallet Model in Practice
OmniCard positions itself as a comprehensive spend management platform, combining corporate cards and UPI wallets. For many businesses, however, UPI wallets become the primary tool for daily operational spending.
From a pricing perspective, OmniCard follows a usage-linked model. Platform cost is influenced by how wallets are used over time, not just by how many are issued.
In practice, billing is shaped by:
Setup fees and additional charges that may not always be visible upfront
The number of UPI transactions processed over time
How frequently wallets are funded or reloaded
Dormancy or inactivity fees for accounts unused for more than 12 months
In addition, access to OmniCard’s UPI wallets typically follows a sales-assisted onboarding process. Businesses engage with the sales team, go through commercial discussions, and complete setup before employees can begin transacting.
For larger organisations with structured procurement cycles, this can be a natural fit. For smaller or fast-growing teams, the time spent getting live can feel like a delay in execution rather than a formality.
CashBook’s UPI Wallet Approach
CashBook assumes that frequent UPI usage is the norm and that time-to-first-transaction is critical, particularly for SMEs.
SMEs and small businesses can download the CashBook app from the Play Store and start issuing wallets digitally. Wallets can be live the same day, with no commercial negotiation required. For teams requiring more than 40 wallets, CashBook offers a guided, customized onboarding process through our sales team to ensure setup aligns with business workflows, role permissions, and operational controls.
From a pricing standpoint, CashBook offers both monthly and annual plans. Once teams move to the annual plan, each active employee wallet is priced on a fixed per-year basis, independent of transaction activity.
There are:
No per-transaction fees
No charges for adding or moving funds
No merchant-based pricing variations
This combination of self-serve onboarding and fixed pricing allows teams to adopt the system at their own pace, without waiting for commercial approvals or worrying about cost behaviour as usage grows.
Why This Difference Matters for Growing Businesses
For SMEs and scaling companies, time and predictability are closely linked. Platforms that require longer sales cycles can delay adoption at the stage when teams need structure the most. Usage-linked pricing models can also create uncertainty as operational activity increases.
CashBook removes both sources of friction. Small teams can start independently through the app while larger teams benefit from guided onboarding that ensures the platform fits their workflows, team structure, and operational controls. The system supports growth by providing clear visibility, simplifying approvals, and maintaining consistent processes across multiple teams and locations.
This combination of onboarding speed, predictable platform behaviour, and operational alignment is a key reason CashBook is evaluated as an alternative to OmniCard. It supports not only startups and SMEs but also enterprises managing complex, distributed operations and high-frequency transactions.
When OmniCard May Still Be the Right Fit
A balanced assessment is important.
OmniCard can work well for organisations where UPI usage is limited, transaction volumes are moderate, and a sales-assisted rollout aligns with internal procurement processes.
The choice is not about which platform is universally better. It is about which model aligns more closely with how the organisation grows.
Final Perspective: Growth Favours Speed and Clarity
In 2026, expense management platforms are judged by how well they support growth without friction.
As UPI becomes the default rail for business spending, platforms must reflect both the frequency of transactions and the pace at which teams operate.
For businesses that value fast onboarding, predictable pricing, and alignment with day-to-day operations, this context explains why CashBook continues to emerge as one of the most relevant OmniCard alternatives.
Book a demo to understand how teams use CashBook in real operational environments.
Frequently Asked Questions:
What is an expense management tool?
It helps businesses fund, control, and track employee spending in real time, reducing administrative burden and giving finance teams visibility.
Why does pricing structure matter in expense management?
Usage-linked fees can rise unpredictably as transaction volume grows. Fixed pricing lets businesses forecast costs accurately and avoid surprises.
Is UPI suitable for day-to-day business spending in India?
Yes. UPI is widely accepted, supports frequent small-value payments, and works across formal and informal vendors.
How does CashBook differ from usage-linked wallet models?
CashBook charges a fixed annual fee per wallet, regardless of transaction frequency or reloads. This simplifies budgeting and removes friction for operational teams.
When should a business consider CashBook?
When rapid adoption, predictable costs, and alignment with frequent operational transactions are more important than variable, usage-based pricing.
