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FindThatSoftware verdictEditorial ruling
A reasonable option for Indian startups and SMBs that want corporate cards with spend controls and AP workflows. The category is competitive (Happay, Volopay), so compare on card terms, limits, and support. Verify current pricing and card-program details.
FindThatSoftware has source-checked this listing and keeps 2 public sources visible for buyer verification.
Should you use Kodo?
Use it if indian startups and SMBs. Avoid it if very small teams wanting to self serve onboard a corporate card, because there is no published plan and no free tier to start on.
Spec sheet
- Starting price
- Custom
- Free plan
- Not available
- Free trial
- Not listed
- Status
- Source checked 29 Jul 2026
- Source trail
- 2 public sources
Work at Kodo?
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Claim this listing →In short
Kodo is a finance & money / expense management for Indian buyers. It issues an India GST invoice, so you can claim input credit. FindThatSoftware rates it best for indian startups and SMBs, and a poor fit if very small teams wanting to self serve onboard a corporate card, because there is no published plan and no free tier to start on.
The trade-off, weighed
What you gain, and what you give up.
The case for
- Tally, Zoho, Oracle and SAP integrations are named on the site, which covers the accounting stack most Indian finance teams actually run
- Accounts payable, vendor payouts, corporate cards and reimbursements sit in one platform, so a finance team does not reconcile across three separate tools
- Per card transaction limits are set by the admin inside the product, so spend control is configured by finance rather than negotiated with a bank
The catch
- There is no pricing page at all and the pricing URL returns a 404, so every commercial conversation starts with a demo booking
- The corporate card limit field accepts values between ₹100 and ₹2,00,000 per transaction, so large single vendor payments need a different rail
- The site does not name the card issuing bank or say whether cards are prepaid or a credit line, which is the first question a CFO asks
- No free or self serve tier exists, so a startup cannot test the card and reimbursement flow without going through sales first
True India price
What actually changes for a buyer in India.
- Watch for
- No public pricing; site offers only 'Talk to Sales' / 'Book a Demo'. Custom/contact-sales. Confirm on vendor site.
India readiness
How well Kodo 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
Not verified yet.
- ✓India HQ
India-headquartered, so support, timezone, and context are local.
Paying for more than Kodo? See your whole stack's real India cost and where you could switch to save.
Audit my stackOverview
What is Kodo?
Kodo provides corporate cards, spend management, expense tracking, and accounts-payable workflows for Indian businesses, with controls and accounting integrations. It targets startups and SMBs that want to manage cards and spend in one place.
Best for
- Indian startups and SMBs
- Teams wanting cards + spend management
- Finance teams handling AP
Who should avoid it
- Very small teams wanting to self serve onboard a corporate card, because there is no published plan and no free tier to start on
- Finance teams that must approve a tool on documented pricing before a demo, because Kodo publishes no rates, fees or forex markup anywhere
What Kodo does
What we verified about Kodo
Read from Kodo’s own pages. Each line is a finding and what it was based on, so you can check any of it yourself.
Features we confirmed32
- TDS computation
- Agent validates data against masters and applies applicable TDS and GST
- Role based access control
- Collaboration page lists role-based access for secure collaboration
- Receipt ocr
- Reimbursement screen shows OCR-extracted merchant, amount and category from a receipt
- Maker checker approval
- Dynamic Workflows ship a default Maker-Checker-Approver flow for compliance
- Expense reimbursements
- Expense Reimbursements is a named product with policy checks and payouts
- Corporate cards
- Corporate Cards is a named product with per-card issuance and controls
- Auto approval rules
- An auto-approver workflow exists for cases needing no approval
- Accounts payable automation
- Accounts Payable Agent automates invoice intake through to payment
- Automated policy compliance checks
- Submitted expenses are automatically checked against company policy before approval
- Email inbox invoice intake
- Invoices sent to a dedicated email are read, extracted and pushed into the workflow
- ERP sync scheduling
- Sync With ERP Tools offers real-time or custom-frequency scheduled syncs
- Expense reporting exports
- Streamlined Reporting generates detailed expense reports in a few clicks
- GST field extraction
- Invoice voucher captures vendor GST number, IGST, CGST and SGST splits
- In context comments
- Dedicated comment threads sit on purchase requests, orders and invoices
- International transaction toggle
- International Transaction is a switchable control on each corporate card
- Invoice ocr capture
- AP Agent uses advanced OCR for automated data capture from purchase invoices
- Line item invoice extraction
- Agent extracts line-item level data for each invoice, not just header totals
- Merchant category controls
- Card controls toggle ATM withdrawal, online, contactless, international and merchant outlet usage
- Multi bank payment sources
- Payment screen lets you choose between multiple connected bank accounts
- Nested approval workflows
- Nested workflows are offered for simplifying complex approval policies
- Pay vendors on credit
- Eight Finance terms document Kodo Pay on Credit for vendor payments with EMI repayment
- Per transaction card limits
- Card screen sets a limit per transaction, validated between Rs 100 and Rs 2,00,000
- Policy versioning
- Policy list shows versioned expense and travel policies with validity dates and entitlements
- Progressive web app
- Employee expense submission runs on a progressive web app rather than a native app
- Purchase request workflow
- Purchase requests route through amount-triggered approver levels
- Rcm flagging
- Invoice voucher carries an RCM Applicable field for reverse charge
- Real time spend dashboard
- Real-Time Spend Tracking monitors every expense as it happens
- Receipt photo capture
- Employees snap photos of receipts and submit them instantly from the app
- Rule based expense categorisation
- Agent categorises invoices and line items by company-defined rules
- Vendor master validation
- Vendor record checks income tax returns filed and PAN-Aadhaar linkage
- Vendor payouts
- Vendor Payments centralises bank transfers to suppliers
- WhatsApp submission
- Homepage lists Mailbox and WhatsApp integration as intake channels
What people use it for4
- Reimburse employee expenses
- Reimbursement product handles claims, approvals and payment cycles
- Keep books and share with CA
- Zoho and Tally syncs are pitched to automate reconciliation
- Control employee card spend
- Corporate cards exist so finance sets limits rather than chasing overspend
- Automate vendor invoice processing
- AP Agent is pitched at teams processing 50 to 5,000 invoices without more headcount
Works with8
- Zoho books
- Zoho Books appears in the ERP sync list on the AP and integrations pages
- Homepage lists WhatsApp integration as a document intake channel
- Tally
- Tally is named on the homepage and integrations page as an ERP sync target
- Oracle
- Homepage integration copy names Oracle alongside Zoho, Tally and SAP
- Microsoft dynamics
- Microsoft Dynamics is listed in the ERP sync tool set
- Eight finance
- Eight Finance provides the Pay on Credit lending facility behind vendor payments
- Livquik
- LivQuik is the RBI-authorised PPI issuer behind Kodo prepaid cards
- Sap business one
- SAP Business One is listed in the ERP sync tool set
Terms, compliance and how you buy17
- Sales led only
- There is no self-serve signup path to test cards or reimbursements
- Grievance officer published
- Eight Finance terms publish a nodal grievance officer name, address and phone
- 2000 plus customers
- Every page states more than 2000+ companies trust Kodo
- Card transaction cap 2 lakh
- Per transaction limit field is bounded between Rs 100 and Rs 2,00,000
- Credit facility via nbfc partner
- Kodo Pay on Credit runs through Eight Finance, not Kodo itself
- Credit interest 1 45 to 1 7 percent monthly
- Eight Finance terms illustrate 1.45% and 1.7% per month on vendor payment credit
- Fast implementation claim
- Homepage claims no long implementation cycles
- India built
- Footer reads 'made with in India' and all sample amounts are in rupees
- INR native
- Every product screenshot prices in rupees with Indian digit grouping
- KYC required for full card limits
- Full-KYC PPI needs V-CIP video identification to lift small-PPI restrictions
- Livquik issued cards
- Legal page names LivQuik Technology (India) Private Limited as the card issuer
- No free tier
- Our record confirms no free or self-serve tier exists on Kodo
- No public pricing
- Every CTA is Talk to Sales or Book a Demo and there is no pricing page
- Prepaid ppi cards not credit line
- LivQuik terms state Kodo markets prepaid instruments issued by an RBI-authorised PPI issuer
- Quote only pricing
- Pricing caveat records custom contact-sales pricing with a 404 pricing URL
- RBI ppi limits apply
- Small PPI caps monthly loading at Rs 10,000 and full-KYC PPI balance at Rs 2,00,000
- Startup to enterprise segments
- Separate solution pages exist for startups, mid-market and enterprise
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Pricing caveat and source trail
Pricing and free-plan claims can change. FindThatSoftware keeps source URLs visible so users can verify before buying.
No public pricing; site offers only 'Talk to Sales' / 'Book a Demo'. Custom/contact-sales. Confirm on vendor site.
Verified against the sources above. How we research & rate software →
Does Kodo give a GST invoice in India?
Kodo issues an India GST invoice, so a GST-registered business can claim input tax credit on it directly.
Is Kodo good for Indian small businesses?
Kodo can work for Indian buyers, but check currency, tax, billing, support, and whether the workflow justifies foreign-currency pricing.
Does Kodo have a free plan?
Kodo 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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