Certified UPI Wallets


Annual Savings Forecast
Based on current Indian market MDR rates (1.75% avg) and operational efficiency benchmarks.
Monthly operations spends
How this affects savingsWe estimate surcharge you can avoid on operational spends. Annual Surcharge Savings = Monthly operations spends ร 12 ร 1.75%.Fuel, utilities, rent, etc to calculate the card surcharge your are paying. (~1.75% assumption)
โน
Monthly petty cash spends
How this affects savingsWe estimate leakage from missing bills and over invoicing. Annual Leakage Savings = Monthly petty cash spends ร 12 ร selected leakage rate.To calculate leakage due to missing bills and over invoicing.
โน
No. of employees filling expense
How this affects savingsWe estimate time saved on filing expenses. Annual Time Savings = Employees ร 2 hours/month ร โน200/hour ร 12.To calculate time based saving.
Leakage rate
To calculate leakage due to missing bills and over invoicing.
Surcharge Savings:
โน2,10,000
Leakage Savings:
โน1,08,000
Time Savings:
โน96,000
Total Annual Savings
โน4,14,000
Why CashBook UPI Wins?
Feature
Manual Reimbursements
Corporate Cards
CashBook (UPI Wallets)
Surcharge (fuel/utilities)
โน0 (But high leakage)
Pays 1%โ2.5% Extra
Zero MDR / No Surcharges
Setup Time
Instant (Zero control)
1โ2 Weeks
< 24 Hours (Digital KYC)
Acceptance
100%
Low (Tier 2/3 Cities)
100% (Any UPI QR)
Security Standard
High Risk (Unregulated)
Bank Standard
NPCI Certified
Control
No control until money is spent
Rigid limits
Set granular limits per wallet
Visibility
Delayed by weeks/months
Monthly statements
Real-time with expense approvals
Bills/Invoice
Keep paper bills safe for weeks
Pay now, find bill later
Pay & Capture in one flow
Go Live in Less Than 24 Hours
Bank-grade compliance without the bank-grade wait time.
1
Business Setup (Hours 0-12)
Create your account and complete digital Business KYC. We verify your entity same-day so you can start adding funds.
2
Issue Wallets (Instant)
Add employees by phone number. Issue UPI wallets and set spending limits, categories, and approval rules instantly.
3
User KYC Activation (Mandatory ๐)
Employees complete a quick in-app KYC, mandatory as per NPCI guidelines to ensures 100% compliance.
4
Start Saving (Hour 24+)
Wallets are active. Employees scans any QR code to pay. You track everything in real-time.












































































