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Comparison
OmniCard vs Zaggle: expense management compared
Both OmniCard and Zaggle help Indian companies control business spend with cards and expense software. Zaggle is a broad spend platform: procure to pay, prepaid, credit and forex cards, employee benefits, tax filing and fleet, delivered with bank partners. OmniCard focuses on expense management with last-mile visibility on UPI and RuPay, as the issuer itself: employees, branches and stores pay by company UPI ID or RuPay card, and rules are checked before the money moves.
At a glance
| OmniCard | Zaggle | |
|---|---|---|
| What it is | Expense management with last-mile visibility on UPI and RuPay; the financial operating system for enterprises | Procure to pay, cards and payments, employee benefits, tax solutions, travel and expenses, branch recurring expenses, fleet and channel rewards (zaggle.in) |
| Who issues | Eroute Technologies Pvt. Ltd., an RBI-authorised PPI issuer and direct NPCI issuer (RuPay, UPI, FASTag), with no sponsor bank | Lists 19 bank partners (zaggle.in) |
| Employee spend by UPI | Yes: company UPI IDs on OmniCard's own UPI handle (@omni), under the same rules as cards | A customer quote mentions “UPI payments via Zaggle” for site staff; a UPI handle of its own isn't listed (branch expenses) |
| Cards | RuPay corporate prepaid cards, physical and virtual, on OmniCard's own BIN | Prepaid, commercial credit (up to 51 days interest-free), closed-loop fleet cards and forex (cards and payments) |
| When policy is checked | Before payment, at authorisation: limits by employee, department, cost centre, category, merchant, location and time | “Spending limits and rules are enforced automatically at the time of payment” (cards and payments) |
| FASTag | Issued by OmniCard itself (NPCI certified, IHMCL approved), with UPI AutoPay top-ups | FASTag issuance isn't listed on its site; its closed-loop fleet cards cover fuel, maintenance, tolls and driver expenses (fleet) |
| Branch bills | Bharat Connect (BBPS): fetch and autopay bills for every branch | Petty cash, utility bills and rent across branches, with bills fetched automatically (branch expenses) |
| Employee benefits | Flexi Benefits Basket on UPI | Employee benefits and tax solutions (zaggle.in) |
| ERP | Tally, SAP, Oracle (NetSuite, Fusion), Zoho, Microsoft Dynamics, NWAY, KTT and APIs | SAP, Tally, Oracle, Zoho, QuickBooks (branch expenses) |
| Security | ISO/IEC 27001, PCI DSS, SOC 2 Type II; payment data stored in India | ISO/IEC 27001, ISO 9001, PCI DSS, SOC 1 Type 2, SOC 2 Type 2 (zaggle.in) |
| Scale (as stated) | 1,000+ businesses; ₹5,000 crore+ processed; 22 lakh+ cards | “4000+ corporate customers”, “4 M+ users”, “50 M+ cards issued” (zaggle.in) |
Choose OmniCard if
- You want one issuer for cards, UPI and FASTag: OmniCard is an RBI-authorised PPI issuer and a direct NPCI issuer, with no sponsor bank in between.
- Employees, branches and stores should pay by company UPI ID on OmniCard's own handle as well as by RuPay card, under the same rules. Many small merchants take only UPI.
- You run fleets and want FASTag issued directly, with UPI AutoPay top-ups from any bank.
Choose Zaggle if
- You need corporate credit cards or forex.
- You want one vendor for procure to pay, employee benefits and tax filing 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 Zaggle?
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.
Does OmniCard offer corporate credit cards?
No. OmniCard issues prepaid instruments (RuPay prepaid cards and UPI on its own @omni handle) and doesn't offer credit lines.
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.
Sources: Zaggle facts from zaggle.in, its cards and payments, branch expenses and fleet pages, checked 7 Oct 2026. OmniCard facts from OmniCard's published fact sheet. Products change; confirm details with each provider before you decide.