Home/Compare/OmniCard vs EnKash
Comparison
OmniCard vs EnKash: expense management compared
Both OmniCard and EnKash help Indian companies control business spend with prepaid cards and expense software. EnKash pairs expense management with a wide payments stack: payment gateway and collections, vendor and bill payments, payroll and bulk pay. OmniCard focuses on expense management with last-mile visibility: employee, branch and store spend on its own UPI handle and RuPay cards, as a direct NPCI issuer, checked before it's paid.
At a glance
| OmniCard | EnKash | |
|---|---|---|
| What it is | Expense management with last-mile visibility on UPI and RuPay; the financial operating system for enterprises | Payments, cards, expenses and rewards: payment gateway, vendor and bill payments, payroll, prepaid cards and expense management (enkash.com) |
| Licences and issuing | RBI-authorised PPI issuer; direct NPCI issuer for RuPay (own BIN), UPI (own @omni handle) and FASTag, with no sponsor bank | Lists Payment Aggregator, PPI and Bharat Bill Payment Operating Unit licences and PCI DSS; its site says cards and payments are provided by RBI-licensed banks and/or regulated entities (enkash.com) |
| Employee spend by UPI | Yes: company UPI IDs on OmniCard's own UPI handle (@omni), under the same rules as cards | Yes, for petty cash: employees pay merchants by UPI from assigned prepaid wallets (petty cash) |
| Cards | RuPay corporate prepaid cards, physical and virtual, on OmniCard's own BIN | Prepaid cards: multi-wallet, meal, fuel, digital marketing, SaaS, travel and expense, purchase and gift cards (enkash.com) |
| When policy is checked | Before payment, at authorisation: limits by employee, department, cost centre, category, merchant, location and time | Budgets and advances, hierarchy and controls, policy and approval flows (enkash.com) |
| FASTag | Issued by OmniCard itself (NPCI certified, IHMCL approved), with UPI AutoPay top-ups | FASTag issuance isn't listed on its site; it offers fuel cards with spending limits per employee (fuel card) |
| Bills and payouts | Bharat Connect (BBPS): fetch and autopay bills for every branch | Business bills via Bharat Connect, plus vendor payments, rent, payroll and bulk pay (bill payments) |
| Collections | Not offered | Payment gateway, payment links, UPI and QR collections, e-NACH (UPI payments) |
| Security | ISO/IEC 27001, PCI DSS, SOC 2 Type II; payment data stored in India | PCI DSS (enkash.com) |
| Scale (as stated) | 1,000+ businesses; ₹5,000 crore+ processed; 22 lakh+ cards | “5,000+ businesses”, “2 Million+ corporate cards processed” (enkash.com) |
Choose OmniCard if
- You want one issuer for cards, UPI and FASTag: OmniCard issues RuPay cards on its own BIN and runs UPI on its own @omni handle as a direct NPCI issuer, with no sponsor bank in between.
- Employees, branches and stores should pay by company UPI and RuPay under one set of rules, checked before each payment.
- You run fleets and want FASTag issued directly, with UPI AutoPay top-ups from any bank.
Choose EnKash if
- You also need collections (payment gateway, payment links, e-NACH) from the same vendor.
- You want payroll, bulk pay and a broad payouts stack alongside cards.
Customer results with OmniCard
- Berar Finance (NBFC, 7 states): up to 20% saved on monthly spend; reimbursements 57% faster.
- The Belgian Waffle Co. (250 stores): 50% fewer man-hours on reconciliation.
- ISKCON Bengaluru: reimbursements from 14 days to 3.
See OmniCard expense management → · Book a demo →
Frequently asked questions
Is OmniCard an alternative to EnKash?
Yes, for companies whose main need is controlling employee, branch and store spend. OmniCard issues RuPay prepaid cards and company UPI IDs itself, and checks policy before each payment.
Can employees pay by UPI with OmniCard?
Yes. Employees get company UPI IDs on OmniCard's own @omni handle, under the same limits by employee, category, merchant, location and time as their cards.
Does OmniCard collect payments from customers?
No. OmniCard is built for business spend: cards, UPI, bills, reimbursements and FASTag. It doesn't offer a payment gateway or collections.
Sources: EnKash facts from enkash.com and its petty cash, bill payments, fuel card and UPI payments pages, checked 7 Oct 2026. OmniCard facts from OmniCard's published fact sheet. Products change; confirm details with each provider before you decide.