RazorPayX Corporate Cards
Invoice management software
Expense management software
Travel & expense software
Accounting & finance software
- Features
- Ease of use
- Ease of management
- Quality of support
- Affordability
- Market presence
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₹700,000 one-time FD deposit
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Free version
Small
Medium
Large
- Retail and wholesale
- Information technology and software
- Media and communications
What is RazorPayX Corporate Cards
RazorpayX Corporate Cards is a corporate card and spend control product within the RazorpayX business banking and payouts suite. It is used by finance teams to issue cards to employees or teams, set spending limits and controls, and capture transaction data for expense tracking and reconciliation. The product focuses on card-based spend management rather than full invoice-to-pay workflows, and it is typically adopted by India-based businesses that already use Razorpay for payments or payouts.
Card issuance with spend controls
The product supports issuing corporate cards for employee or team spending and applying controls such as limits and usage rules. This helps reduce reliance on reimbursements by shifting spend to controlled card transactions. It fits common finance use cases like SaaS subscriptions, vendor payments where cards are accepted, and employee travel or ad-hoc purchases.
Tight fit with RazorpayX
RazorpayX Corporate Cards is designed to work within the broader RazorpayX environment, which can simplify operational workflows for organizations already using Razorpay services. Finance teams can keep card spend and related cash-management activities closer to the same platform. This can reduce the number of systems involved compared with using a standalone card program plus separate payment tooling.
Faster reconciliation from card data
Card transactions generate structured data that can be used for expense categorization and reconciliation processes. Compared with manual reimbursement claims, card-led spend typically provides earlier visibility into what was purchased and by whom. This can improve month-end close efficiency when paired with consistent coding and documentation practices.
Not a full invoice suite
Despite overlap with finance operations, the product’s core is corporate cards and spend controls rather than end-to-end invoice management. Organizations needing purchase requests, invoice capture, matching, approvals, and supplier management may require additional tools. This can create gaps for teams looking for a single system to manage both card spend and AP invoice workflows.
Accounting integrations may vary
Expense and card platforms often depend on accounting integrations for automated posting, tax handling, and close processes. Integration depth and supported accounting systems can be a deciding factor, especially for multi-entity setups. If required connectors or export formats are limited, finance teams may need manual workarounds.
Geography and compliance constraints
Corporate card programs are typically tied to local banking partners, card networks, and regulatory requirements. As a result, availability and feature parity can be constrained outside the product’s primary operating market. Companies with significant international operations may need additional card programs or tools to cover all regions consistently.
Plan & Pricing
| Plan | Price | Key features & notes |
|---|---|---|
| YES BANK RazorpayX Corporate Card | No joining / annual / add-on card fees (NIL). Forex markup: 2.5% + GST. Late payment interest: 3.25% p.m. Interest-free period: Up to 45 days. Max credit: Up to ₹2,00,00,000. Cashback: Flat 1% on SaaS, marketing & tech. Discounts via PoshVine. | Secured & Unsecured variants; unlimited add-on cards at zero cost; card controls & dedicated support; other fees as per card issuer (SoC). |
| RBL Bank RazorpayX Corporate Card | No joining / annual / add-on card fees (NIL). Forex markup: 2.5% + GST. Late payment interest: 2% p.m. Interest-free period: Up to 50 days. Max credit: Up to ₹2,00,00,000. Cashback: Up to 0.6%. | Purchase & T&E variants; travel perks (lounge access, insurance) for certain variants; 2 lounge accesses/quarter on some variants; unlimited add-on cards at zero cost; other fees as per card issuer (SoC). |
Additional notes: Secured card requires an FD lien; minimum deposit required: ₹700,000 (negotiable up to ₹500,000); unsecured cards have eligibility criteria. Unlimited add-on cards at zero cost; negotiator discounts up to 30% on select SaaS/marketing/cloud tools.
Seller details
Razorpay Software Private Limited
Bengaluru, Karnataka, India
2014
Private
https://razorpay.com/
https://x.com/razorpay
https://www.linkedin.com/company/razorpay/
