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Expense Management
Kodo
Mumbai-built spend platform for Indian companies covering corporate cards, reimbursements, vendor payments and an AI accounts payable agent.
Spec sheet
Starting price
Custom
- Free plan
- Not available
- Free trial
- Not listed
- Status
- Source checked 12 Nov 2026
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Claim this listingFindThatSoftware verdictEditorial ruling
Shortlist Kodo if you are an Indian startup or mid-sized company that wants cards, reimbursements and vendor invoice processing under one approval system that syncs to Tally or Zoho. Before paying, ask for the full fee schedule in writing, because the terms say platform and payment fees are set at onboarding and can change with notice.
Read the full verdict
Also confirm the card limits you need, since the cards are prepaid instruments under RBI caps rather than a credit card, and ask whether the Eight Finance credit option is open to you and at what interest. The honest trade-off against Happay or Volopay is that Kodo's AP agent and procure-to-pay workflows go deeper than a pure card product, but you get no public price, no free tier and no published API. Teams that only need a few employee cards may find a bank's own corporate card simpler.
FindThatSoftware has source-checked this listing and keeps 9 public sources visible for buyer verification.
In short
Kodo is listed under Expense Management, reviewed for Indian buyers. It issues an India GST invoice, so you can claim input credit. FindThatSoftware rates it best for Indian startups and mid-sized companies that want cards, reimbursements and vendor payments under one approval system; a poor fit for very small teams wanting to self serve onboard a corporate card, because there is no published plan and no free tier to start on.
What Kodo costs in India
The rupee price a business actually pays, after the card forex markup, with GST shown both ways.
True India price
What actually changes for a buyer in India.
- Watch for
- Kodo publishes no prices; fees are quoted after a sales call and the terms say they may include a platform fee and Kodo Pay charges, with GST added on all fees.
More
The terms also let Kodo change fees with notice and deduct dues straight from your corporate wallet, and say it will not refund money for transactions done on the platform. Get the fee schedule and wallet deduction terms in writing before you load funds.
Paying for more than Kodo? See your whole stack's real India cost and where you could switch to save.
Audit your spendWho Kodo fits
What it is, what you gain, what you give up, and who should look elsewhere.
What is Kodo?
Kodo is run by Kodo Technologies Private Limited, a Mumbai company that says it is backed by Brex and Y Combinator. It bundles corporate cards, employee reimbursements, vendor payments and an accounts payable agent that reads purchase invoices by OCR and checks TDS and GST against company masters. Finance teams set multi-level approval workflows, card limits and expense policies, and sync entries to Zoho Books, Tally, Microsoft Dynamics or SAP Business One. The cards are RBI regulated prepaid instruments issued by partner LivQuik, and a separate credit option for vendor payments runs through Eight Finance. It is delivered as a web app and a progressive web app for employees; there is no native app store app, no public API documentation and no published pricing.
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 and the pricing URL returns a 404, so every commercial conversation starts with a demo booking
- Cards are prepaid instruments issued by LivQuik under RBI prepaid rules, so you load money first and balances and limits sit within regulatory caps rather than a credit line
- Terms let Kodo change fees with notice and recover dues by debiting the corporate wallet, and state it will not refund money for transactions made on the platform
- No free or self serve tier exists and onboarding requires KYC, so a startup cannot test the card and reimbursement flow without going through sales first
Best for
- Indian startups and mid-sized companies that want cards, reimbursements and vendor payments under one approval system
- Finance teams processing many purchase invoices who want OCR capture with TDS and GST checks before ERP sync
- Companies on Tally, Zoho Books, Microsoft Dynamics or SAP Business One that want spend entries synced instead of keyed in
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
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.
Compare Kodo
How it stacks up on what we verified, the tools buyers weigh it against, and where it appears in our guides.
Similar tools to Kodo
Compare practical options in the same category by price, fit, and caveats.
- VolopayFunded startups and mid-size companies that want employee cards, reimbursements and vendor payments in one toolCustom
- EnKashIndian SMBs and mid-size companies wanting corporate cards and expense management in one place₹250 one-time
- HappayIndian mid-size and large companies with a finance team handling travel and reimbursementsCustom
Featured in our buying guides
See how Kodo stacks up against the best options for a specific kind of business.
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.
What Kodo does
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
Source trail
Pricing and free-plan claims can change. FindThatSoftware keeps source URLs visible so users can verify before buying.
- Kodohttps://www.kodo.com/
- Kodo terms of service (fees and GST)https://www.kodo.com/legal/terms-of-service
- Kodo accounts payable agenthttps://www.kodo.com/products/invoice-ap-agent
- Kodo corporate cardshttps://www.kodo.com/products/corporate-cards
- Kodo workflowshttps://www.kodo.com/products/workflows
- Kodo integrationshttps://www.kodo.com/products/integrations
- Kodohttps://www.kodo.com/
- Kodo about ushttps://www.kodo.com/about-us
- LivQuik card issuer termshttps://www.kodo.com/legal/livquik-terms-and-conditions
Verified against the sources above. How we research & rate software →
Kodo questions
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?
- It suits Indian startups and mid-sized companies that want cards, reimbursements and vendor payments under one approval system. It bills in a foreign currency, so expect the card forex markup on every charge. It is not the right pick for very small teams wanting to self serve onboard a corporate card, because there is no published plan and no free tier to start on.
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.
What users say
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