Why modern teams switch to CashBook (UPI)?
Feature
CashBook (UPI Wallets)
Corporate Credit Cards
Manual Reimbursements
Vendor Cost (MDR)
Zero MDR / No Surcharges
High MDR (2-3%)
N/A
Acceptance
100% Acceptance
Low
N/A (Employees Cash)
Control
Set granular limits per wallet
Rigid limits
No control until money is spent
Visibility
Real-time expense approvals
Monthly statements
Delayed by weeks/months
Bills/Invoice
Pay & Capture in one flow
Pay now, find bill later
Keep paper bills safe for weeks
Cost
Low-cost expense tracking
High annual fees & interest
High processing costs
How to handle petty cash digitally with UPI?
UPI expense management is the practice of tracking, controlling, and reconciling business spends of multiple employees through India’s UPI network. It replaces manual cash advances and reimbursements with instant, auditable digital payments and simplified bookkeeping.
1
Register & Verify Business
Create your account, verify business details, and unlock a dedicated virtual account to fund employee wallets instantly.
2
Issue Controlled Wallets
Spin up staff wallets in seconds. Set granular transaction and amount limits to prevent misuse before it happens.
3
Scan, Pay & Capture
Pay via any UPI QR code or ID. The app instantly prompts for a receipt photo, solving bill/invoice capture at the source.
4
Categorize on the Spot
Select expense categories like Travel or Fuel and other custom data at the point of sale for accurate, real-time analytics data.
5
Approve in Real-Time
Managers receive instant alerts to approve or reject expenses, ensuring strict policy enforcement without slowing down operations.
6
One-Click Reconciliation
Sync transactions and GST data directly to Zoho Books or Tally. Automate reporting and close your books faster.
UPI Expense Management is the bridge between company bank accounts and street-level spending. Instead of handing out physical cash or managing expensive corporate cards, companies use CashBook to assign digital limits to employees.
