Business expenses
made seamless like your
personal UPI spends
Seamlessly issue, manage & track your Business expenses with Cotodel’s UPI Digital Vouchers!
Meet the all-in-one Voucher Solution
UPI Digital Vouchers can be issued on-demand from a Business dashboard to all employees seamlessly with Cotodel
UPI = Convenience, right?
We trust UPI for personal spends. Why not for business expenses? Because business needs control — now, UPI gives you that too.
Yes, now with Cotodel, 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 Digital Vouchers
Step 1: Business
Business manager uses Cotodel’s Platform to select relevant category spends, enter voucher amount and define time validity to issue UPI Digital Vouchers to each driver partner
Step 2: Driver Partner
All UPI vouchers issued to Driver’s number get aggregated on their UPI Apps
Step 3: Driver Partner
Driver scans Merchants’s existing QR Code to make the payment using UPI Scanner
Step 4: Driver Partner
Basis Merchant eligibility, relevant UPI Digital 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
Fleet Expense Management
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Control Fuel spends, prevent thefts & pilferage
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End-to-end solution to manage Toll & Service spends
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Earn rewards & cashbacks with Branded vouchers
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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 spends
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Earn rewards & cashbacks with Branded vouchers
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 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
Shift your Business Expenses on UPI
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.
Founding Team
Industry-relevant experiences across Payments, Consumer, Tech & Scale
From the Founding &
Former teams of
Key Features of Our Platform
Cotodel 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 handle growing demand.
Advanced Security Framework
Two-layer security with end-to-end encrypted data flow.
Voucher Locking Functionality
Lock vouchers at the merchant level via our API for enhanced control.
Our Banking & Solution Partners
Category of Vouchers
Cotodel'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
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!
Let’s get in touch!
Something interested you? Want to discuss anything?
Cotodel is here to help!
Blogs
Thoughts from us & other industry leaders, providing actionable insights around payments and business spends!
