Your supplier only takes a bank transfer.
Your card limit is sitting idle.
Finigenie pays the invoice into your supplier's bank account and charges it to your commercial card. The supplier is paid on time, and the cash stays in your account for the 30–45 days you actually need it for salaries, GST and inventory.
Built for profitable businesses with a timing problem — not a money problem. No loan file, no change to your books.
Is the card the right call for this invoice?
Enter a real payable and see what the float actually costs you.
Indicative only. Your actual fee depends on your issuer, card network and the supplier's category. Compare the annualised figure against your overdraft rate before you use it — if your OD is cheaper and available today, use the OD.
How it works
What you are actually buying is 42 days
The supplier's payment date and your cash-in date rarely line up. The card cycle is the bridge — and unlike a loan, it closes by itself.
Day 0
Supplier is paid into their bank account
Day 8
Charge appears on your card statement
Day 42
You settle the card, from money that has since come in
This is not for every payment you make
A fee only makes sense when the timing is worth more than the fee. Most of your payables should still go out by NEFT. These are the ones that shouldn't.
Put it on the card when
- The cash in your account is already spoken for — payroll on the 30th, GST on the 20th, a container landing next week.
- Your receivable lands after the supplier's due date, and you don't want to ask for an extension again.
- The supplier offers a discount for paying early that is larger than the fee.
- You have card limit sitting unused and no appetite for a fresh loan sanction.
- A one-off large purchase would otherwise flatten your working capital for a month.
Don't, when
- You have idle cash and no upcoming commitment. Just do the NEFT — the fee buys you nothing.
- Your overdraft is cheaper, sanctioned and available today.
- You are covering a shortfall you can't see the end of. This buys 45 days, not a turnaround.
- The margin on the underlying order is thinner than the fee.
- The payment isn't a genuine business payable against a real invoice.
Four steps, roughly six minutes
The first payment needs your business documents and the supplier's bank details. Every payment after that is three fields.
Add the invoice
Upload the PDF or key in the amount, supplier and due date. We read the invoice for you.
Verify the supplier
Bank account and GSTIN are checked once, then saved for every future payment to them.
Choose the card
Pick which commercial card to charge. You see the fee and the settlement date before you confirm.
Supplier gets paid
Funds land in their account by IMPS, NEFT or RTGS with your invoice reference on the remittance.
Keep Tally. Keep Zoho. Keep your accountant.
Finigenie is not another place to manage your expenses. It does one thing your accounting software was never built to do: decide and execute how a payable gets funded.
Your books don't move
The payment posts like any other supplier settlement. Your accountant sees an invoice paid and a card charge — nothing new to learn.
Use it on one invoice a month
There is no migration and no minimum. Most businesses route four or five payments a year through it, and NEFT the rest.
Your existing card, your existing bank
Nothing to re-apply for. If you already hold an eligible commercial card, the limit you have is the limit you use.
Questions your CFO will ask first
Is this allowed?+
Payments are made against genuine business invoices to verified supplier bank accounts, through regulated payment partners, with full KYC on both sides and an audit trail on every transaction. Card eligibility, merchant category and limits are set by your issuer and the card network — not by Finigenie. Payments that are not backed by a real business payable are declined.
Does my supplier need to do anything?+
No. They receive a normal bank credit with your invoice number in the reference. They don't need a card machine, an account with us, or any change to how they invoice you.
What does it cost?+
A single percentage fee on the payment value, shown to you before you confirm. There is no monthly platform charge and no fee on payments you route through bank transfer instead.
How is this different from a loan or invoice discounting?+
There is no sanction, no fresh credit line and no new borrowing on your balance sheet — you are using card limit you already hold. It also closes on its own at the end of the cycle, so there is nothing to renew or restructure.
Which cards work?+
Eligible commercial and corporate cards on the supported networks. Whether a specific card can be used for a specific supplier category is determined by your issuer's rules, and we tell you before you confirm the payment.
How fast does the supplier get the money?+
Same working day for payments confirmed before the cut-off, once the supplier's account has been verified. The first payment to a new supplier takes longer because of that verification.
Start with one invoice
Tell us the payment you have coming up this month. We'll confirm whether your card is eligible for it and what it would cost, before you commit to anything.