Business expenses
made seamless like your
personal UPI spends
Seamlessly issue, manage & track your Business expenses with CotoPay's UPI Vouchers powered by e-RUPI!
Meet the all-in-one Voucher Solution
UPI Vouchers powered by e-RUPI can be issued on-demand from a Business dashboard to all employees seamlessly with CotoPay
UPI = Convenience, right?
We trust UPI for personal spends. Why not for business expenses? Because business needs control and now, UPI gives you that too.
Yes, now with CotoPay, you can actually lock the purpose for which you want the spend to be done and all of this
while using the existing UPI apps & QR codes!
Can it be Locked?
Lock spends at a Category level
Lock spends at a Brand level
Lock spends at a Merchant outlet level
All this using the existing UPI ecosystem!
Employee makes transaction using existing UPI apps
Merchant accepts payment at the existing QR Code
Issuance & Redemption of UPI Vouchers
Step 1: Business
Business manager uses CotoPay’s Platform to select relevant category spends, enter voucher amount and define time validity to issue UPI Vouchers powered by e-RUPI to each driver partner
Step 2: Driver Partner
All UPI Vouchers issued to Driver's number get aggreagted in e-RUPI section of their UPI Apps.
Step 3: Driver Partner
Driver scans Merchant's existing QR Code to make payment using e-RUPI Voucher on their existing UPI Apps.
Step 4: Driver Partner
Basis Merchant eligibility, relevant UPI e-RUPI Voucher pops-up automatically for payment at time of transaction.
Solutions for Different Industries
Making your business spends across categories more targeted & intelligent with UPI Vouchers.
Fleet Expense Management
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Control Fuel spends, prevent thefts & pilferage
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End-to-end solution to manage your Fleet spends
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Services around Insurance, Challan, Pollution for Vehicles
View More
Corporate Expense Management
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Administer expenses & allowances for all employees
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End-to-end solution to manage spends across categories
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Digital Reconciliation and convenience at your fingertips
View More
Solutions for Different Industries
Making your business spends across categories more targeted & intelligent with UPI
Corporate Expense Management
Business spends solution for Consulting & White-collared companies
View More
Why CotoPay?
A seamless expense management solution for your business to shift from existing Prepaid cards & Digital wallets to e-RUPI Vouchers
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 transaction is done by the employee using UPI Voucher
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 and get UPI data of all transactions done on your dashboard
Benefits for User
Convenient Form Factor
UPI is the preferred payment method 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 payment network, users make payments on existing merchant QR codes, POS Machines, Online platforms
Manage Reimbursements seamlessly
Users can pay using UPI vouchers issued by their company without worrying about the hassles of reimbursement process
Shift your Business Expenses on UPI
About Us
We are here to make your Business expenses as seamless as your personal UPI Spends while maintaining control and visibility for each business!
Who we are
CotoPay 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
Programmability of money now on UPI! We are here to ease everyone’s professional lives and we do this by using the existing UPI ecosystem for issuing e-RUPI 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.
Founding Team
Industry-relevant experiences across Payments, Consumer, Tech & Scale
From the Founding &
Former teams of
Key Features of Our Platform
CotoPay is built on e-RUPI payment solution launched by National Payments Corporation of India (NPCI)
Role-Based Web Portal
Tailored access for administrators, issuers, and analysts.
Seamless Voucher Issuance
Just link your bank to get started effortlessly.
Plug-and-Play API Integration
Easily integrate with your existing application through our secure APIs.
Scalable and Robust APIs
Built for high-performance environments to scale easily.
Advanced Security Framework
Two-layer security with end-to-end encrypted data flow.
Voucher Locking Functionality
Lock e-RUPI vouchers at the merchant level via our API for enhanced control.
Our Banking & Solution Partners
Category of Vouchers
CotoPay's UPI Vouchers powered by e-RUPI can be locked at multiple categories!
Fuel
Service & Maintenance
General Spends
Meal & Food
Travel
Stay
Telecom
Health & Wellness
+ 20 more categories
FAQs
For any other questions, please feel free to Contact Us to transform how your Business expenses are done.
Many expense management solutions already exist but all of them are running on either the Cards ecosystem or using Digital Wallets.
CotoPay is a seamless plug-and-play expense solution running on UPI via UPI Vouchers.
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!
CotoPay’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 CotoPay 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 UPI vouchers show up on every employee’s existing UPI apps within e-RUPI section.
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.
CotoPay’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 CotoPay 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 CotoPay to accept payments which makes sure the merchant network is not limited for you to make your payments.
With CotoPay’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, CotoPay 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!
CotoPay 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 e-RUPI 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@CotoPay.in 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, CotoPay would like to support you as well!
e-RUPI is a digital payment solution launched by the Government of India in August 2021 to facilitate cashless and contactless transactions for a locked purpose.
Developed by the National Payments Corporation of India (NPCI), e-RUPI is a QR code or SMS string-based electronic voucher that is sent directly to the beneficiary’s mobile phone.
It is a prepaid, purpose-specific voucher that can only be used for designated services such as fuel, meal, or travel, ensuring that funds are utilized exactly as intended.
The system does not require the beneficiary to have a bank account, digital payment app, or internet access, making it especially useful for those with limited access to financial infrastructure.
The vouchers are linked to the recipient’s identity and mobile number, ensuring a secure and leak-proof transfer of funds.
Let’s get in touch!
Something interested you? Want to discuss anything?
CotoPay is here to help!
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