Certified UPI Wallets
Annual Savings Forecast
Based on current Indian market MDR rates (1.9% 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 × 12 × 1.75%.Fuel, utilities, rent, etc to calculate the card surcharge your are paying. (~1.75% assumption)
₹
Monthly petty cash spends
How this affects savingsWe estimate leakage from missing bills and over invoicing. Annual Leakage Savings = Monthly petty cash spends × 12 × selected leakage rate.To calculate leakage due to missing bills and over invoicing.
₹
No. of employees filling expense
How this affects savingsWe estimate time saved on filing expenses. Annual Time Savings = Employees × 2 hours/month × ₹200/hour × 12.To calculate time based saving.
Leakage rate
To calculate leakage due to missing bills and over invoicing.
Surcharge Savings:
₹2,10,000
Leakage Savings:
₹1,08,000
Time Savings:
₹96,000
Total Annual Savings
₹4,14,000
Why CashBook UPI Wins?
Feature
Manual Reimbursements
Corporate Credit Cards
CashBook (UPI Wallets)
Surcharge (fuel/utilities)
₹0 (But high leakage)
Pays 1%–2.5% Extra
Zero MDR / No Surcharges
Setup Time
Instant (Zero control)
1–2 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 🔒)
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.















































