Business payments

made seamless like
your UPI spends

Now use UPI-enabled prepaid Digital Vouchers with
Cotodel for your business expenses!

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Solutions for Different Industries

Making your business spends across categories more targeted & intelligent with UPI

Fleet Expense Management

Fuel spends solution for Transport & Logistics business

Corporate Expense Management

Business spends solution for Consulting & White-collared companies

Why Cotodel?

A seamless expense management solution for your business to shift from existing Prepaid cards & Digital wallets

Benefits for Business

Seamless Control over Issuance

Set-up Budgets and Parameters to issue vouchers across Employee Bands and Categories

Full Control over Money

Money never leaves a Company’s Bank Account till the time the transaction is done by the employee

Reduction in Bill Frauds & Admin Tasks

No Paper-work or burden associated with Admin task of issuing vouchers and verifying spends

Automatic Digital Reconciliation

Minimize money leakages by having an automated reconciliation across all employees and get UPI data of all transactions done on your dashboard

Benefits for User

Convenient Form Factor

UPI is the form factor of choice for all individuals and there is no need to carry a new physical/digital card or pay through a new app

Seamless Onboarding without KYC

No KYC is needed for each beneficiary as onboarding is made seamless through the existing UPI apps only

Higher Redemption Touchpoints

Leveraging the biggest network of QR codes, users can make payments on existing merchant QR codes, POS Machines, Online Payment platforms

Manage Reimbursements seamlessly

Save on your personal disposable income by paying through UPI vouchers issued by your company without worrying about reimbursements

About Us

We are here to making your Business payments as seamless as your personal UPI spends!

Who we are

Cotodel is committed to delivering a reinvigorated approach to how business spends are done. UPI has become the de-facto form of payment for all of us so why not have the same for all of our business payments as well? No matter the industry or size of your organisation, we want to help you provide a seamless experience when it comes to your business payments.

What we do

We are here to ease everyone’s professional lives and we do this by using the existing UPI ecosystem for issuing digital prepaid vouchers that can be redeemed across any of the existing UPI apps. The objective is to streamline the payments process by providing complete transparency and traceability to the issuer and bringing convenience to the end-user.

From the Founding & Former teams of

From the Alumni of

FAQs

For any other questions, please feel free to Contact Us to transform how your Business spends are done

Many expense management solutions already exist but all of them are running on either the Cards ecosystem or using Digital Wallets. Cotodel is a seamless plug-and-play expense solution running on UPI. Since UPI is the mode of payment all of us are using for our personal spends, why should it be any different for our business spends!

Cotodel’s Expense Management solution can be implemented across all types of industries and company sizes, irrespective of your business size or location! We are solving for any type of targeted business expenses starting with Fuel for Logistics & Transport Industries, Corporate Reimbursements and Expenses for any kind of Corporate/HRMS player and Loyalty for Consumer Goods industry!

Once an organisation gets onboarded as a client on the Cotodel dashboard, no KYC is needed for every employee. Our UPI-enabled vouchers are issued to every employee’s mobile number from the company's dashboard and vouchers show up on every employee’s existing UPI apps. This makes the onboarding process absolutely seamless for an employee to start doing their business spends on UPI!

No, you do not need to download a new app to start making payments through us. Cotodel’s UPI-enabled vouchers get issued to each employee’s mobile number which is already linked to their existing UPI apps already! This makes it easier for an employee to use their existing BHIM or GPay app to make these payments without downloading another app!

Each beneficiary will get a notification that their company has issued vouchers to them. Once enabled, vouchers issued through Cotodel will automatically pop-up right below your Bank Account when you scan a relevant merchant's QR code. All you need to do is select the voucher and enter your Pin to complete the payment, just like you do for a UPI spend!

No, a merchant need not be onboarded with Cotodel to accept payments which makes sure the merchant network is not limited for you to make your payments. With Cotodel’s UPI-enabled vouchers, employees can make payments on any of the existing official business QR codes already installed at all merchant outlets. For the merchants, it is a direct debit transaction being done so nothing changes for them!

Yes, Cotodel is a plug and play solution, which can be made compatible with any major HR solution provider or any individual company’s dashboard. The integration can be easily done in a few days without having to spend extra on a new software and without replacing your existing solution being used!

Yes, we can provide our UPI-enabled vouchers to any company, irrespective of their size or industry, to implement Flexi-benefit and Reward & Recognition solutions. Be it for Food Allowances, Fuel, LTA, Telecom or Health & Wellness spends, we have got you covered. Be it 5 employees or 5000, we will provide you with the best benefits your employees truly deserve!

Cotodel is working along with National Payments Corporation of India (NPCI) and multiple Indian Banks to provide these solutions to companies and their employees. NPCI and RBI have opened mandate for these vouchers to be issued by the private sector and we are complying with all the necessary guidelines and regulations for the same!

Pricing details can be discussed once we have given a demo and explained the benefits and use cases to your concerned company stakeholders. Please get in touch with our business team at business@cotodel.com or reach out to us via WhatsApp below and we would want to solve your problem at a cost convenient for you. Since you are our early supporter, Cotodel would like to support you as well!