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OmniCard Intelligence
OmniCard's AI agents work on every payment your people make. They read the bill, code it to your books, stop spend that breaks policy, flag anything unusual, forecast where budgets are heading and reconcile it all to your ERP. Every action is logged, explainable and reversible by your finance team.
Every UPI, RuPay card and bill payment is classified by category, cost centre and GL code as it happens, so nothing waits for month-end.
EXAMPLEHighway Fuels · ₹2,450 → Fuel · Conveyance (GL 5102) · Pune branch
Staff photograph the bill. OCR reads the merchant, date, amount and GST, and matches it to the payment it belongs to.
EXAMPLEAirtel invoice · GST 18% split out · matched to the ₹1,180 UPI debit
Duplicate claims, split bills, the same bill from two employees and sudden spikes are flagged for review as they happen, not at audit.
EXAMPLEThe same ₹2,300 bill claimed by two employees → flagged for review
Limits by employee, category, merchant, location and time are checked at the moment of payment, and a restricted payment is declined.
EXAMPLE₹6,200 hotel above the Grade B limit → declined at payment
It learns each team's and branch's normal spending pattern, flags drift, and forecasts budget overruns and upcoming expense spikes so you can act before month-end.
EXAMPLEWeekend spend at one store up three weeks running → flagged to the region head
Payments are matched to bank lines and posted to Tally, SAP, Oracle, Zoho or Microsoft Dynamics with the bill, cost centre and approval trail attached.
EXAMPLEUPI debit matched to the bank line → voucher posted to Tally with the bill
Works with your stack
Approved spend posts as journal entries with the bill and approval trail attached. OmniCard is an RBI-licensed PPI issuer and a direct NPCI issuer for RuPay, UPI (@omni) and FASTag, certified to ISO/IEC 27001, PCI DSS and SOC 2 Type II.
More in our full FAQ.
Six agents work on every payment: Policy (checks before money moves), Receipt (OCR and coding), Audit (duplicates and anomalies), Reconciliation (ERP posting), Bills (BBPS autopay) and Fleet (FASTag top-ups and tolls).
Yes. It learns each team's and branch's normal spending pattern, flags drift as it happens, and forecasts budget overruns and upcoming expense spikes, so finance can act before month-end.
Yes. Every action an agent takes is logged, explainable and reversible by your finance team. Flagged items go to a person for review; the AI doesn't reject claims on its own.
Yes. OmniCard is certified to ISO/IEC 27001, PCI DSS and SOC 2 Type II, runs on RBI-regulated rails and stores payment data in India.
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