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Comparison
OmniCard vs Volopay: expense management compared
Both OmniCard and Volopay help companies in India control business spend with prepaid cards and expense software. Volopay is a spend management platform with international reach: cards, approvals, vendor payouts, accounting sync and transfers to 130+ countries, with its Indian cards issued by partner PPI issuers. OmniCard is the issuer itself: an RBI-authorised PPI issuer and direct NPCI issuer, so employees, branches and stores pay by company UPI ID or RuPay card on OmniCard's own rails, and rules are checked before the money moves.
At a glance
| OmniCard | Volopay | |
|---|---|---|
| What it is | Expense management with last-mile visibility on UPI and RuPay; the financial operating system for enterprises | Spend management: prepaid corporate cards, approvals, vendor payouts, reimbursements, accounting sync and international transfers (volopay.com/in) |
| Who issues the card | Eroute Technologies Pvt. Ltd. itself: an RBI-authorised PPI issuer and direct NPCI issuer (RuPay, UPI, FASTag), with no sponsor bank | Its India terms say corporate cards are issued by LivQuik Technology (India) Pvt Ltd and/or Pine Labs, and that “Volopay is neither a bank nor a credit institution” (terms) |
| Employee spend by UPI | Company UPI IDs on OmniCard's own UPI infrastructure (@omni), under the same rules as cards | UPI on a RuPay corporate card, paid through Pine Labs' Plus Pay app; Volopay “enables visibility, controls, and expense tracking — not UPI processing itself” (help centre) |
| Cards | RuPay corporate prepaid cards, physical and virtual, on OmniCard's own BIN | Prepaid cards, physical and virtual; domestic and international cards (corporate cards) |
| When policy is checked | Before payment, at authorisation: limits by employee, department, cost centre, category, merchant, location and time | Per-card, daily/weekly/monthly and per-transaction limits, merchant category blocks and approved-vendor rules (corporate cards); location limits aren't listed |
| FASTag and fleet | FASTag issued by OmniCard itself (NPCI certified, IHMCL approved), with UPI AutoPay top-ups | Not listed on its India site |
| Branch bills (BBPS) | Bharat Connect (BBPS): fetch and autopay bills for every branch | Vendor payouts by NEFT, RTGS, IMPS or UPI (volopay.com/in); BBPS isn't listed |
| Reimbursements and approvals | Reimburse360: OCR bills, one-tap approvals and auto-settlement; in-policy card and UPI spend needs no claim | Receipts matched to transactions; multi-level approval workflows (corporate cards) |
| Group companies | Multiple entities on one platform with a master dashboard | “Multi-entity and cost center support” (corporate cards) |
| Accounting | Tally, SAP, Oracle (NetSuite, Fusion), Zoho, Microsoft Dynamics, NWAY, KTT and APIs | Tally, NetSuite, Xero, QuickBooks, MYOB, Deskera, Zoho, SAP and CSV (home, corporate cards) |
| International | Not offered: OmniCard's cards, UPI and FASTag are issued in India | Transfers to 130+ countries, international cards (volopay.com/in) |
| Pricing for businesses | A fixed fee covering all wallets (setup can be included) or a usage-based plan; no load or reload charges on business wallets; no inactivity fee on business accounts; go live the same day | The pricing page lists features; no prices or fees are published (pricing) |
| Security | ISO/IEC 27001, PCI DSS, SOC 2 Type II; payment data stored in India | SOC 2, ISO 27001, PCI DSS (home); data location isn't stated |
Choose OmniCard if
- You want one regulated issuer for cards, UPI and FASTag, with no partner bank or third-party issuer in between: one company is responsible for the instrument, the data and the ledger.
- Employees, branches and stores should pay by company UPI ID on OmniCard's own handle, inside the same app and under the same rules as their cards. Many small merchants take only UPI.
- You need location and time limits, BBPS bills for every branch or fleet FASTag with UPI AutoPay top-ups.
- You want pricing agreed upfront: a fixed fee or a usage-based plan, with no load, reload or inactivity fees on business accounts.
Choose Volopay if
- You need international transfers or international cards for teams or vendors abroad.
- Your books are in Xero, QuickBooks or MYOB.
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 →
Also see: Is OmniCard safe? · grievance redressal · corporate cards · UPI for business · FASTag
Frequently asked questions
Is OmniCard an alternative to Volopay in India?
Yes, for companies that want to control employee, branch and store spend in India. OmniCard issues RuPay prepaid cards and company UPI IDs itself, as an RBI-authorised PPI issuer and direct NPCI issuer, and checks policy before each payment.
Are there hidden fees on OmniCard business accounts?
No. Business pricing is a fixed fee covering all wallets (setup can be included) or a usage-based plan, agreed upfront. There are no load or reload charges on business wallets and no inactivity fee on business accounts. Complaints about fees after full KYC or frozen accounts that appear on some comparison sites relate to OmniCard's consumer prepaid cards, not business accounts.
How quickly does OmniCard support respond?
Support (care@omnicard.in and Help & Support in the app) runs 24x7, starts action within 48 hours and resolves within 7 days. You can escalate to escalations@omnicard.in (7 days), then to the Nodal and Grievance Officer at nodal@eroute.in (15 days), and after 30 days to the RBI Integrated Ombudsman. The full policy is on our grievance redressal page.
Does OmniCard handle approvals, accounting sync and reimbursements?
Yes. Policy is checked before payment, so in-policy spend needs no approval queue; Reimburse360 handles claims with OCR bills, one-tap approvals and auto-settlement; entries post to Tally, SAP, Oracle, Zoho, Microsoft Dynamics or other systems through APIs; and group companies run on one platform.
Does OmniCard offer international transfers or credit?
No. OmniCard issues prepaid instruments in India and doesn't offer credit lines, international multi-currency cards or overseas transfers. If you need those, a provider such as Volopay may fit better.
Sources: Volopay facts from volopay.com/in, its corporate cards, pricing and terms pages and its help centre, checked 13 Nov 2026. OmniCard facts from OmniCard's published fact sheet and grievance redressal policy. Products change; confirm details with each provider before you decide.