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EnKash
Mumbai, India (registered office)
What it is
EnKash is a business spend management platform for payments, expenses, cards, and rewards, available on Android, iOS, web, and through APIs. Employees can submit expenses through WhatsApp, email, or an app; receipt details are read and auto-tagged. The system covers travel, meals, lodging, petty cash, fuel, and multi-currency spending. Businesses can configure role-based, department-level, and geography-specific policies, budgets, and approval workflows. Payment collection options include a gateway, payment links and buttons, UPI payments, QR codes, auto collect, e-NACH, and instant settlements. Expense integrations named by the maker include SAP and Oracle for ERP, Workday for HRMS, and Zoho Books, Tally, and QuickBooks for accounting. Payment gateway developers can use REST APIs, plugins, SDKs, checkout integration, webhooks, and a sandbox. EnKash says its gateway is an RBI-authorised online payment aggregator and that it holds Payment Aggregator and Prepaid Payment Instrument licenses; it also states it is not a bank. The expense management page directs prospective customers to sales for pricing. Listed card charges include ₹250 for physical card issuance or reissuance, ₹25 for ATM cash withdrawal, and 2.5% or ₹10, whichever is higher, for government-portal transactions; starred amounts exclude applicable taxes.
For and against
For
- Expense submissions can come through WhatsApp, email, or an app.
- Supports budgets, policies, and custom approval workflows.
- Lists integrations with SAP, Oracle, Workday, and accounting tools.
- Payment gateway access includes REST APIs, SDKs, and a sandbox.
Against
- Expense management pricing is provided by sales.
- Physical card issuance or reissuance is ₹250.
- ATM cash withdrawal is ₹25.
- EnKash states it is not a bank.
The verdict
EnKash brings expense controls, collection products, and card-related services into a business spend platform. Pricing for expense management requires contacting sales, and listed card charges and the stated non-bank status are important to review.
Who it suits
It suits businesses managing employee expenses, payments, and cards, including those using the named accounting, ERP, or HRMS integrations. Developers can also consider its payment gateway integration options.
Plans and prices
EnKash card products
Physical card issuance or reissuance · charges marked with * exclude applicable taxes
Read 5 Oct 2026 · enkash.com
EnKash expense management
Pricing details are provided by the sales team
Read 5 Oct 2026 · enkash.com
On the record
- Android app
- EnKash has an Android app on Google Play for business spending, vouchers, expenses, and reimbursements.play.google.com · read 5 Oct 2026
- Banking limitation
- EnKash states it is not a bank and does not hold or claim to hold a banking license; related card and payment services are provided by RBI-licensed banks or regulated entities.enkash.com · read 5 Oct 2026
- Card charges
- The card charges page lists physical card issuance or reissuance at ₹250, ATM cash withdrawal at ₹25, and government-portal transactions at 2.5% or ₹10, whichever is higher; starred amounts are exclusive of applicable taxes.enkash.com · read 5 Oct 2026
- Company founding
- An EnKash company announcement says the brand was founded in 2018.enkash.com · read 5 Oct 2026
- Developer access
- EnKash offers REST APIs, plugins, SDKs, checkout integration, webhooks, and a sandbox environment for payment gateway integration.docs.enkash.com · read 5 Oct 2026
- Expense capture
- Its expense management page says users can submit expenses through WhatsApp, email, and an app, with receipt details read and auto-tagged.enkash.com · read 5 Oct 2026
- Expense controls
- The expense management system supports role-based, department-level, and geography-specific policies, custom approval workflows, and budgets.enkash.com · read 5 Oct 2026
- Expense coverage
- The expense management system supports categories including travel, meals, lodging, petty cash, fuel, and multi-currency spends.enkash.com · read 5 Oct 2026
- Integrations
- The expense management page names SAP and Oracle for ERP, Workday for HRMS, and Zoho Books, Tally, and QuickBooks for accounting integrations; it also describes API and webhook connections.enkash.com · read 5 Oct 2026
- Intended customers
- EnKash describes its platform as built for businesses and says its expense tools cover multiple departments and roles.enkash.com · read 5 Oct 2026
- Mobile app
- EnKash's privacy policy refers to the website and mobile application together as its Platform.enkash.com · read 5 Oct 2026
- Payments
- Its payment gateway supports card, UPI, net banking, and wallet payments.docs.enkash.com · read 5 Oct 2026
- Pricing
- The expense management page directs prospective customers to contact sales for pricing and tailored plans.enkash.com · read 5 Oct 2026
- Product
- EnKash describes itself as a business spend management platform for payments, expenses, cards, and rewards.enkash.com · read 5 Oct 2026
- Regulatory status
- EnKash says its payment gateway is an RBI-authorised online payment aggregator and that it holds Payment Aggregator and Prepaid Payment Instrument licenses.enkash.com · read 5 Oct 2026
- Security
- The expense management page states that EnKash EMS is SOC 2 Type II certified and uses AES-256 encryption at rest and TLS 1.3 in transit.enkash.com · read 5 Oct 2026
- Security certifications
- The site displays SOC 2 Type II and PCI DSS Level 1 certifications.enkash.com · read 5 Oct 2026
- Support
- The site lists support at [email protected] and +91 8530490475.enkash.com · read 5 Oct 2026
