Spndio automates expense management end-to-end — from AI-powered receipt capture to instant UPI reimbursements — built for how Indian finance teams actually work.
No training. No manual entry. No chasing employees for receipts.
Employees snap a receipt or forward an invoice — Spndio captures it instantly, no training required.
Merchant, amount, GST, date, category — extracted automatically and mapped to the right project, team, or cost center.
One-click approval. Funds hit the employee's UPI account instantly — no NEFT delays, no bank forms.
Every transaction flows into Zoho Books, Tally, or your ERP — month-end close in hours, not days.
Every feature designed around how Indian enterprise finance actually operates.
Photo, email, or upload — AI reads every receipt and extracts merchant, amount, GST, and date automatically.
Define spend limits by category, department, or role. Policy violations flagged before approval, not after.
Multi-level approval chains built around your org structure. Managers approve in seconds from any device.
Approved expenses reach the employee's bank account instantly via UPI — no forms, no delays, full audit trail.
Live dashboards by team, project, branch, or cost centre. Finance leadership always has the full picture.
One-click sync with Zoho Books, Tally, QuickBooks, and major ERPs. Reconciliation in hours, not days.
Built around UPI — the payment infrastructure Indian businesses already rely on. No virtual cards, no credit limits, no friction.
Works seamlessly with the accounting and ERP systems Indian finance teams already use.
"We used to spend two days every month chasing receipts. Now our month-end close takes half a day. The Tally integration alone was worth switching."
"UPI reimbursements changed everything. Employees stopped complaining about delayed payments, and I stopped getting WhatsApp messages asking when they'd be paid."
"Our sales team travels constantly. Spndio means no more lost receipts, no more scramble at month-end. The AI categorisation is scarily accurate."
Join finance teams across India that have eliminated expense admin with Spndio.