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Expense Management
EnKash
India-first spend-management platform combining corporate cards, expense management, payables, and rewards on one stack.
Spec sheet
All-in India price
₹250 one-time
For a registered business
- Free plan
- Not available
- Free trial
- Not listed
- Status
- Source checked 29 Jul 2026
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Claim this listingFindThatSoftware verdictEditorial ruling
A strong India-first alternative to global expense suites when you want corporate cards and spend control on one locally-compliant platform. Instant card issuance with programmable limits suits startups and SMBs scaling their spend.
Read the full verdict
It competes with Volopay, Happay, and Kodo on the cards-plus-expense model. Pricing is quote-based (no public flat plan), so request a quote. Card issuance and core spend features are positioned as accessible with no minimum-spend threshold.
FindThatSoftware has source-checked this listing and keeps 2 public sources visible for buyer verification.
In short
EnKash is listed under Expense Management, reviewed for Indian buyers. It costs about ₹250 one-time before GST, billed in rupees. It issues an India GST invoice, so you can claim input credit. FindThatSoftware rates it best for Indian startups and SMBs wanting corporate cards + expense in one place; a poor fit for businesses that need to model discount rates and card fees before switching payment providers, because EnKash publishes no rates at all.
What EnKash costs in India
The rupee price a business actually pays, after the card forex markup, with GST shown both ways.
True India price
Registered business, one-time
₹250
EnKash is billed in rupees at ₹250 (one-time). For a registered business that is about ₹250; without GST reclaim, about ₹295.
- Sticker price
- ₹250
- GST
- 18%, reclaimable if registered
- Registered one-time
- ₹250
- If you can't reclaim GST
- ₹295
- Watch for
- EnKash uses custom, quote-based pricing with no public flat plan.
More
Card issuance and core spend features are positioned as accessible with no minimum-spend threshold. Third-party estimates put enterprise contracts in the low lakhs per year. Costs depend on card volume, modules, and entities, so get a quote from EnKash.
Indicative, not a bill. The exchange rate is a single mid-market reference, not a live feed, and GST-registered businesses may reclaim input credit. Confirm current pricing on the vendor site.
Full India pricing breakdownPaying for more than EnKash? See your whole stack's real India cost and where you could switch to save.
Audit your spendWho EnKash fits
What it is, what you gain, what you give up, and who should look elsewhere.
What is EnKash?
EnKash is an India-focused spend-management platform that unifies corporate cards (physical and virtual), expense management, accounts payable/payouts, and rewards. It lets businesses issue cards instantly with programmable limits per card, category, and merchant, automate expense capture and reconciliation, and manage vendor payments. It holds RBI licenses (including PPI) and partners with Visa, Mastercard, and NPCI. It targets Indian startups, SMBs, and enterprises wanting a single, locally-compliant spend stack.
What you gain, and what you give up.
The case for
- The payment gateway holds an RBI online payment aggregator authorisation, so collections sit under a regulated entity rather than a reseller arrangement
- Cards, expenses, payables, receivables and vouchers run on one platform, which removes the reconciliation gap between a card programme and an expense tool
- Offices in Gurgaon, Mumbai and Pune mean onboarding, KYC and dispute handling happen inside Indian business hours rather than over email tickets
The catch
- The pricing URL resolves to a Category not found page and no fee schedule exists anywhere, so discount rates, card fees and payout charges all come from sales
- EnKash is a trade name of Nehat Tech Solutions and the cards are issued by partner banks, so the terms you actually sign are the bank's
- The site footer names two different legal entities and shows two different copyright years, which is worth clarifying with legal before you sign anything
Best for
- Indian startups and SMBs wanting corporate cards + expense in one place
- Businesses needing programmable per-card/category spend limits
- Teams wanting locally-compliant (RBI-licensed) spend management
- Companies managing payables and payouts alongside cards
Who should avoid it
- Businesses that need to model discount rates and card fees before switching payment providers, because EnKash publishes no rates at all
- Companies wanting one global spend tool, since EnKash is built around Indian rails such as UPI, e-NACH and Bharat Connect
India readiness
How well EnKash fits an Indian business operationally, from the verified pricing and company facts we hold.
- ✓GST invoice
Issues a GST-compliant invoice, so a registered business can reclaim input tax.
- ✓Bills in INR
Priced in rupees, so there is no forex conversion or card markup on top.
- ✓India HQ
India-headquartered, so support, timezone, and context are local.
Compare EnKash
How it stacks up on what we verified, the tools buyers weigh it against, and where it appears in our guides.
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Featured in our buying guides
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What we verified about EnKash
Read from EnKash’s own pages. Each line is a finding and what it was based on, so you can check any of it yourself.
What EnKash does
Features we confirmed51
- Vendor payments
- Vendor Payments pays suppliers on time with visibility and control
- Vendor management
- Vendor Management is a listed product under Make Payments
- UPI collections
- UPI Payments accepts via BHIM, PhonePe and WhatsApp with no VPA and no SMS fatigue
- Spend analytics
- Spend Analytics gives deep, real-time insight into company spending
- Qr code payments
- QR Code product accepts secure contactless payments via instant-scannable codes
- Payroll processing
- Payroll Processing appears in the Make Payments product menu
- Payment links
- shareable payment links can be sent over WhatsApp, SMS or social to get paid
- Instant settlements
- Instant Settlements is a named product under Collect Payments
- GST invoicing
- Digital Invoicing generates and sends GST-compliant invoices in seconds with reminders
- Gift cards
- Gift Cards send instant, personalised rewards for occasions or milestones
- E nach mandates
- e-NACH is listed among the Collect Payments products
- Developer API
- For Developers section documents payment gateway, prepaid cards, expense management and rewards APIs
- Bulk payouts
- Bulk Pay sends high-volume payouts with role-based, multi-level approval flows
- Auto reconciliation
- Auto Reconciliation matches incoming payments with invoices without manual work
- Accounts payable automation
- Payables Automation covers invoice management, approvals and audit-ready records
- Approval hierarchy controls
- Hierarchy & Controls is a named expense module for multi-level authorisation
- Auto collect virtual accounts
- Auto Collect appears in the collections product menu alongside instant settlements
- Brand voucher distribution
- vouchers span ecommerce, food, apparel, health and wellness, and movies and music
- Budgets and advances
- Budget & Advances sets budgets, issues advances and monitors usage against limits
- Channel partner incentives
- Channel Incentives runs programmes to drive channel partner performance
- Co branded card issuing
- partnerships offer banks co-branded cards and co-branded digital wallets on EnKash infrastructure
- Collection reminders
- automated nudges go out via email, SMS or WhatsApp for payment follow-up
- Connected banking
- Connected Banking links bank accounts to manage collections, settlements and cash positions in one view
- Corporate credit cards
- Corporate Credit Cards* Built to Power Growth is a homepage section with a bank-issued asterisk
- Digital marketing cards
- Digital Marketing Cards are a distinct card type for ad spend control
- Digital petty cash
- Digital Petty Cash tracks small-ticket expenses across branches in real time
- EMI and bnpl at checkout
- Affordability Suite offers customers EMIs, BNPL and credit options to boost conversions
- Employee offers marketplace
- Exclusive Offers provides curated brand deals and discounts for employees
- Employee reimbursements
- Reimbursements enable fast, policy-aligned claims with built-in approvals
- Employee rewards
- Employee Rewards issues instant vouchers for achievements and occasions
- ERP and accounting sync
- Seamless Integrations claim syncing with ERPs, accounting platforms and business tools
- Expense management
- AI-Powered Expense Management is a homepage section spanning budgets, claims and analytics
- Free GST calculator
- resources menu includes a free GST calculator tool
- Fuel cards
- Fuel Card monitors and controls fleet or travel-related fuel spends
- GST payment
- GST Payment is listed among the Make Payments products
- Hosted payment page
- Payment Page is listed as a separate collections product in the site navigation
- Meal cards
- Meal Card offers tax-saving digital meal benefits with usage tracking
- Multi wallet card
- Multi-wallet Card is the first entry under Corporate Cards in the navigation
- Payables analytics
- Payable Analytics tracks and plans payables on a live dashboard
- Payment button
- plug-and-play payment buttons install on a website with no coding
- Payment gateway
- EnKash sells a developer-first, no-code payment gateway for collections across channels
- Prepaid corporate cards
- Prepaid Cards with Total Spend Control is a dedicated homepage section
- Purchase cards
- Purchase Cards enable secure vendor purchases with spend controls built in
- Receipt scanning ocr
- Scan & Drop Receipts snaps a receipt and auto-extracts data for claim submission
- Receivables analytics
- Collection Analytics monitors delays, aging and recovery trends in real time
- Rent payments
- Rental Payments schedules recurring rent and lease payments with auto-reminders and logs
- SAAS subscription cards
- SaaS Cards are a named card category for software subscriptions
- Self serve card issuance
- Self Card Management creates, assigns and manages cards in minutes, fully self-serve
- Spend policy enforcement
- Policy and Approval Flows plus Workflow Management enforce spending rules automatically
- Travel and expense cards
- Travel & Expense Card simplifies business travel with pre-set card limits
- Utility bill payments
- Utility Bill Payments automates business utility bills from one dashboard
What people use it for5
- Replace spreadsheets
- the closing CTA asks 'Why Use 5 Tools When 1 Can Do It All?'
- Control employee card spend
- prepaid cards are sold with total spend control and pre-set limits per category
- Cfo financial visibility
- the platform description says it empowers CFOs with automation, compliance and real-time insights
- Automate vendor payouts
- vendor payments, bulk pay and payable analytics target the accounts payable function
- Bank white label fintech
- Banks & NBFC partners can launch co-branded cards, gateways and platforms on EnKash tech
Works with8
- payment links and collection reminders can be sent over WhatsApp
- Visa
- EnKash states it partners with Visa alongside Mastercard and NPCI
- UPI
- UPI collections work through BHIM, PhonePe and WhatsApp payment apps
- Phonepe
- UPI Payments explicitly names PhonePe as a supported app
- Npci
- EnKash names NPCI as a partner for India payment rails
- Mastercard
- the site description names Mastercard as a card network partner
- Bhim
- UPI Payments explicitly names BHIM among supported UPI apps
- Bharat connect
- Bharat Connect is listed as a partnership offering and it holds a Bharat Bill Payment Operating Unit licence
Terms, compliance and how you buy25
- PCI DSS certified
- credentials section lists PCI DSS Certification
- No self serve signup
- there is no sign-up CTA, only Login and Talk to Sales
- Affiliate program
- partnerships include an affiliate network to refer and earn on referrals
- 5000 plus business customers
- the site claims it is trusted by 5,000+ businesses
- Bharat bill payment operating unit
- credentials list a Bharat Bill Payment Operating Unit licence
- Cards issued by partner banks
- disclaimer says corporate cards and payments are provided by RBI-licensed banks and regulated entities
- Conflicting copyright years
- the same page shows Copyright © 2025 in one footer block and © 2026 in another
- Credit card offering asterisked
- the homepage heading reads 'Corporate Credit Cards*' with the asterisk pointing to the bank-provided disclaimer
- Funding 23 million usd
- the site states EnKash is backed by $23M in funding
- Grievance redressal published
- footer links Grievance & Redressal alongside merchant and customer onboarding policies
- India built
- EnKash is described as India's leading spend management platform with offices in Gurgaon, Mumbai and Pune
- India only support number
- the only published support contact is a +91 phone number and support@enkash.com
- India rails only
- the product is built on UPI, e-NACH, Bharat Connect and RBI licences with no international rails offered
- Loading placeholders in html
- large parts of the homepage product sections serve as 'Loading...' placeholders rather than content
- No published pricing
- enkash.com/pricing renders only navigation and footer with no fee schedule at all
- Not a bank
- footer disclaimer states EnKash is not a bank and does not hold a banking licence
- Offices gurgaon mumbai pune
- the site footer lists Gurgaon, Mumbai and Pune as office locations
- Placeholder zero stat counters
- the credentials strip renders '0 Million +' cards processed and '0 +' businesses powered in the served HTML
- Ppi faqs published
- the policies footer includes a dedicated FAQs for PPI page, a regulatory disclosure
- Ppi licence
- credentials section lists a Prepaid Payment Instrument License
- Quote only pricing
- the only conversion path on every page is Talk to Sales or Get Support
- RBI payment aggregator licence
- the EnKash Payment Gateway is a licensed online payment aggregator authorised by the RBI
- Trade name not legal entity
- EnKash is stated to be a commercial trade name owned by Nehat Tech Solutions Pvt. Ltd.
- Two legal entities in footer
- the footer carries copyright lines for both Nehat Tech Solutions Pvt. Ltd. and Nehat Business Services Pvt. Ltd.
- Very wide product surface
- the navigation spans collections, payables, expenses, nine card types, vouchers and rewards
Source trail
Pricing and free-plan claims can change. FindThatSoftware keeps source URLs visible so users can verify before buying.
- EnKash expense managementhttps://www.enkash.com/products/expense-management
- EnKashhttps://www.enkash.com/
Verified against the sources above. How we research & rate software →
EnKash questions
Does EnKash give a GST invoice in India?
- EnKash issues an India GST invoice, so a GST-registered business can claim input tax credit on it directly.
Is EnKash good for Indian small businesses?
- It suits Indian startups and SMBs wanting corporate cards + expense in one place. It bills in rupees and issues a GST invoice, so a registered business claims the GST back. It is not the right pick for businesses that need to model discount rates and card fees before switching payment providers, because EnKash publishes no rates at all.
Does EnKash have a free plan?
- EnKash does not list a permanent free plan in FindThatSoftware data. Check the official pricing page for trial terms and current offers.
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