RUNNING
Policy Agent
Checks every card and UPI payment against your policy before money moves.
Approved ₹2,450 fuel · within ₹3,000/day
Blocked MCC 5921 liquor · Store 642
Unlocked UPI · entered Pune zone
Checks today182,406
RBI-licensed PPI issuerDirect NPCI issuer · RuPay · UPI @omni · FASTag₹50B+ processed
The financial operating system
for enterprises.
Payments, spend and reconciliation for thousands of branches, on one RBI-licensed platform run by AI agents.
Modular, AI-first and quick to adapt, with direct support from our team. Built in India for global enterprises.
OmniCardOne platformBank A · current accountSeparate login, manual statements
Bank B · current accountCSV exports every morning
Corporate cardsAnother portal, another limit sheet
Staff UPIPersonal UPI, claimed later
Branch petty cashCash boxes in every branch
Vendor payoutsBank upload files
SpreadsheetsClaims_ALL_ZONES_v7.xlsx
Email approvalsRe: Re: Fwd: please approve
One platform · all entitiesLive
Cash across accounts₹0M
Spend today₹0M
Branches live0
Tools replaced0
ERPTallySAPOracleZohoDynamics
JOURNAL · POSTED BY OMNICARD
Dr Vendor payables
Cr Bank A1,240,000✓
Cr Bank A1,240,000✓
Dr Branch expenses
Cr Branch wallets18,420,450✓
Cr Branch wallets18,420,450✓
Dr Electricity
Cr Bank B4,280,300✓
Cr Bank B4,280,300✓
Two-way sync · 0 unmatched
Current accountsBank ABank B
STATEMENT · TODAY
NEFT · vendor batch 118
Bank A−1,240,000Unmatched
Bank A−1,240,000Unmatched
Wallet funding · 2,140 branches
Bank A−18,420,450Unmatched
Bank A−18,420,450Unmatched
BBPS autopay · 6,379 bills
Bank B−4,280,300Unmatched
Bank B−4,280,300Unmatched
BEFORE · DAYS
1Collect paper bills
2Key into spreadsheets
3Chase approvals on email
4Re-key into the ERP
5Download bank statements
6Match line by line
7Chase exceptions, then close
→
WITH OMNICARD · HOURS
1Pay within policy
2AI reads, codes and matches
3Posts to the ERP with the trail
✓ Month-end close ready
Leadership view · todayAI agents on
Policy AgentChecked 182,406 payments
Receipt AgentRead 41,288 bills
Audit AgentCaught 1,146 exceptions
Reconciliation AgentMatched 48,219 bank lines
Bills AgentPaid 6,379 bills on time
Fleet AgentFunded 12,480 FASTags
Branches live0
Entries auto-posted0
Exceptions caught0
Close statusReady
OMNICARD AGENTS AT WORK TODAY
1,000+ businesses run on OmniCard. From 700-store QSR chains to NBFCs with 5,000 branches.
McDonald's
V2 Retail
Veritas Finance
Haldiram's
AgroStar
Puma
Bondada Group
Nykaa
Yes Madam
Taco Bell
Bluspring₹50B+processed on OmniCard
Attero
Delhivery
Chai Point
The Belgian Waffle Co.
BlueStone
Lakmé
PolicyBazaar
Berar Finance
Kissht
GIVA
Senco Gold
Siyaram's
Cashify
CashKaro
ClearTax
Allen
udaan
CarDekho2.2M+cards issued
Frozen Bottle
Wakefit
Porter
FNP
Dr Batra's
Embassy
Raheja
Jaypee4.5M+app downloads
UFLEX
Lumax
NABARD
SIDBI
Protean
Dr. Reddy's Foundation
ISKCONNine tools. One month-end close.
This is how spend moves through most large enterprises today: millions of bills across thousands of branches, stitched together by hand.
PETTY CASH REGISTER · Store 417 of 700
Sep float ₹25,000 per store
= ₹17.5M in cash boxes
UNAUDITEDSd/- Branch accountsWest Zone Finance · 148 branches
Nashik-2: 42 fuel claims pending since 10 Sep 🙏
Internal audit: bills needed for 1,200+ claims by Monday
Sep close on hold: ₹1.86M advances unsettled
Claims_ALL_ZONES_v7.xlsx
| West | 18,412 | ₹21M |
| North | 22,907 | #REF! |
| South | 15,330 | ₹17M |
Re: Re: Fwd: Sep close delayed again
CFO: 3,400 employee claims still open. Need status before the board review.
Bank statements · 14 accounts · Sep
UPI debits 48,219 · matched 41,407
₹32M unmatchedERP upload · re-keyed from 9 sheets
Dr Conveyance 18,420,450
Cr Branch advances 18,420,450
HIGHWAY FUELS · NH-48
DIESEL 26.4 L
TOTAL 2,450.00
₹24M advances, 312 branches. Who reconciles??
TOLL CASH · 1,200 TRUCKS
₹3.86M paid in cash
1 in 5 without a receipt
OmniCard replaces all nine with one RBI-licensed platform, where the payment, the bill, the approval and the ledger entry are the same record, for every branch.
Our own rails
Licensed, not layered. We issue the card, run the UPI and settle the money. No sponsor bank in between.
- ON TOPOmniCard IntelligencePolicy, OCR, audit and reconciliation agents
- PLATFORMWallets, KYC & settlementCompany pool, employee wallets, paperless KYC, escrow-backed balances
- BHARAT CONNECTBill paymentsEvery branch's utility bills on one dashboard
- NPCI · NETCFASTag issuanceDirect issuer for commercial vehicles, with UPI AutoPay top-upsDirect issuer
- NPCI · UPIOur own UPI: @omniEvery employee pays as name@omni or number@omniOwn infrastructure
- NPCI · RuPayRuPay card issuanceOur own BIN. Physical & virtual Platinum prepaid cards, NCMC-enabled for metro and transitDirect issuer
- RBIPrepaid Payment Instrument licenceAuthorised issuer · Eroute Technologies Pvt. Ltd.
UPI IDrahul.sales@omni
Verified · OmniCard✓
Paid to Highway Fuels₹2,450
ISSUEROmniCardRuPay · NCMC · FASTag · UPI
We ship on our own clock
Most spend platforms run on a partner bank's card programme, so every new feature waits on the bank. As the issuer, we build and launch without that queue.
Control at the source
Policy is checked when a payment is authorised on our own systems, so a restricted spend is declined before any money moves.
One record, end to end
Card, UPI, wallet, settlement and ledger live in one system. Support answers faster, and reconciliation has nothing to match across.
OmniCard Intelligence
Six AI agents. Working on every rupee, around the clock, inside your policy.
RUNNING
Receipt Agent
Reads every bill with OCR, codes it to your ledger and matches it to the debit.
Read Highway Fuels bill · 4 fields · 99%
Coded to GL 5102 · Conveyance
Matched to UPI debit ₹2,450
Bills read today41,288
RUNNING
Audit Agent
Catches duplicates, split bills and unusual spend long before month-end.
Flagged duplicate claim ₹1,180 · Mumbai
Split-bill pattern · 3 × ₹990 · Store 608
Odometer vs GPS gap 12% · TRP-2291
Issues caught this month1,146
RUNNING
Reconciliation Agent
Posts approved spend to Tally, SAP or Oracle, with the bill and trail attached.
Posted PV-10482 · Tally Prime
Matched 48,219 UPI debits · 14 bank feeds
Updated 5,000 branch cost centres
Entries posted today38,872
RUNNING
Bills Agent
Fetches every branch's BBPS bills each morning and pays them on schedule.
Fetched 6,380 bills · 2,140 locations
Paid MSEDCL · Pune 1042 · ₹8,420
Scheduled 6,379 bills · 2 days before due
Bills on autopay18,240
RUNNING
Fleet Agent
Keeps every FASTag funded and puts each toll on the right truck and trip.
Topped up MH12 AB 4410 · ₹4,820
Toll −₹465 · MH12 KT 7781
Checked 12,480 tags · none blacklisted
Vehicles managed12,480
Agent activity shown is illustrative. Every agent action is logged, explainable and reversible by your finance team.
One expense, start to finish
From payment to posting in seconds. Scan, pay, capture the bill, approve and post to the ERP, in one flow.
Highway Fuels, Pune
OverviewTrail
Amount₹2,450.00Checking policy…
Policy checkFuel within ₹3,000/day limit
Manager approvalPriya Shah · L1
Posted to TallyVoucher PV-10482
ReceiptPolicyMap
HIGHWAY FUELSNH-48, Pune · Pump #2
25/09/202610:42 AM
Diesel · 26.4 L₹2,450.00
Rate / L₹92.80
UPI Ref4128 9931 0457
Total₹2,450.00
Receipt will appear here
See the agents work
Controls that run themselves. Geo-fences, mileage, bills and fleets from one dashboard.
Highway Fuels, Pune
OverviewTrail
Amount₹2,450.00Checking policy…
Policy checkFuel within ₹3,000/day limit
Manager approvalPriya Shah · L1
Posted to TallyVoucher PV-10482
ReceiptPolicyMap
HIGHWAY FUELSNH-48, Pune · Pump #2
25/09/202610:42 AM
Diesel · 26.4 L₹2,450.00
Rate / L₹92.80
UPI Ref4128 9931 0457
Total₹2,450.00
Receipt will appear here
See the OmniCard stack for your business.
Describe how your company spends. OmniCard Intelligence suggests where to start.
One platform for everything money touches. On one licence, one wallet, one ledger.
Cards & UPI
RuPay corporate cards and business UPI, with limits by person, category and merchant.
UPI · Highway Fuels₹2,450Within policy
Reimburse360
Snap the bill. OCR reads it, AI codes it, the amount matches the debit.
HIGHWAY FUELS25/09/2026 10:42DIESEL 26.4 LTOTAL ₹2,450.00
Motion
GPS-tracked trips. KMs and mileage calculated from the route, checked against odometer photos.
58.4 km× ₹10 = ₹584
Geo-fence
Cards and UPI switch on inside approved zones and off when staff leave them.
Zone · 200 m
EnabledHighway Fuels, Pune
Bills on BBPS
Every branch's electricity, water and broadband bills, fetched and paid from one dashboard.
- MSEDCL · Pune 1042₹8,420Autopay
- Adani · Store 07₹12,960Paid
- BESCOM · Koramangala₹7,845Autopay
- Tata Power · HQ₹48,200Approval
FASTag fleet
Every truck and car on one wallet. Low tags top up themselves, tolls land per vehicle.
- MH12 KT 7781 · 6-axle₹4,535Toll −₹465
- MH12 AB 4410 · LCV₹5,000Topped up
- GJ06 TT 5520 · 6-axle₹4,120Active
Your ERP, always current
Approved spend posts itself as journal entries, with the bill and trail attached.
Tally PrimeSAP S/4HANAOracle FusionZoho BooksDynamics 365NetSuiteWork Line HRMSAny HRMS via APIOmniCard
OmniCardFlexi Benefits on UPI
Meal, fuel, telecom and books wallets under the 2026 tax rules.
Meal ₹8,800Fuel ₹3,000Telecom ₹3,000Books ₹4,166
Finance teams feel it in the first month. Here's what they measured.
“We have been able to save up to 20% of our monthly spends with OmniCard, mainly in sales tour & travel and branch petty cash across 7 states.”
20%monthly spend saved
57%faster reimbursements
264daily users, 7 states
fewer man-hours on reconciliation across 250 stores.
saved a year by removing dummy expenses. Monthly outflow down 15%.
days to reimburse, payments 3× faster across 12 cities.
Co-brand & platform partners
Their brand. Our licensed rails. Partners launch cards, UPI and spend products on OmniCard.
CO-BRANDED CARD
Patanjali × B-Smart
Swadeshi+ Patanjali RuPay Platinum prepaid card, co-branded with Patanjali and issued by OmniCard. One card to scan, tap, pay, ride and reload.
- UPI + NCMC transit
- Physical RuPay Platinum card
- Paperless KYC
NTT DATA Payment Services India
NTT DATA's Expense Management Solution, which NTT DATA calls “India's 1st UPI + RuPay-Enabled Expense Management Platform”, runs on OmniCard's payment infrastructure.
Powered by OmniCardZeerow
Zeerow's UPI wallet for every employee, with Zeerow-branded RuPay cards, is built on OmniCard's issuing and UPI rails.
Powered by OmniCardLaunch your own on OmniCard
- Consumer brands
- Banks & NBFCs
- HRMS & payroll
- Fintechs
- Transit & campus
Regulated like a bank. Audited like one too.
- RBI-authorisedPrepaid Payment Instrument issuer
- ISO/IEC 27001Information security management
- PCI DSSCard data security standard
- SOC 2 Type IIControls audited over time
- Data in IndiaPayment data stored in India
Questions, answered. What finance teams ask us first.
More in our full FAQ.
What is OmniCard?
OmniCard is a Business Fintech OS for enterprises. It gives companies one platform for corporate RuPay prepaid cards, business UPI, employee reimbursements, BBPS bill payments, FASTag fleet payments and employee benefits, with AI agents that check policy, read bills and post entries to the ERP. More than 1,000 businesses use OmniCard and it has processed over ₹50 billion in payments.
Is OmniCard licensed by the Reserve Bank of India?
Yes. OmniCard is operated by Eroute Technologies Pvt. Ltd., which is authorised by the Reserve Bank of India as a Prepaid Payment Instrument (PPI) issuer.
Does OmniCard need a partner bank to issue cards or run UPI?
No. OmniCard is a direct NPCI issuer under its RBI PPI licence. It issues RuPay cards on its own BIN, runs its own UPI infrastructure with the @omni handle, and issues FASTag directly, with no sponsor bank in between.
What is an @omni UPI ID?
Every OmniCard user gets a UPI ID on OmniCard's own UPI infrastructure, such as name@omni or number@omni. Employees can scan any UPI QR and pay from a company-funded wallet, and OmniCard checks company policy before every UPI debit.
How does OmniCard stop spend that breaks company policy?
Policy is checked when a payment is authorised on OmniCard's own systems. Limits can be set by employee, category, merchant, location (geo-fencing) and time, so a restricted payment is declined before any money moves instead of being flagged after the fact.
Which accounting and ERP systems does OmniCard integrate with?
OmniCard integrates with Tally, SAP, Oracle, Zoho, Microsoft Dynamics and other systems through APIs. Approved spend is posted as journal entries with the bill, cost centre and approval trail attached.
How does OmniCard handle employee reimbursements?
With Reimburse360, employees photograph a bill in the OmniCard app. OCR reads the merchant, date and amount, AI codes it to the right ledger, and it is matched to the payment. Managers approve in one tap and the amount is settled automatically. Mileage can be calculated from GPS-tracked trips with OmniCard Motion.
Can OmniCard manage FASTag for a fleet of trucks?
Yes. OmniCard is a direct FASTag issuer. Every truck, LCV and car can run on one fleet wallet, tags top themselves up by UPI AutoPay from any bank (or from the fleet wallet) when the balance falls below a threshold, and each toll is recorded against the right vehicle and trip.
Is OmniCard secure?
OmniCard is regulated by the RBI as a PPI issuer, is certified to ISO/IEC 27001, PCI DSS and SOC 2 Type II, and stores payment data in India.