Pay suppliers
by card.
Settle directly to their bank.
Finigenie bridges the gap between corporate cards and suppliers that only accept bank transfers — with payment orchestration, digital KYB, and instant invoice reconciliation in one unified workflow.
Card-to-Bank Account Settlement
Trusted by
Your suppliers don't need to accept cards
- 01
Non-card suppliers
Contractors, vendors and critical service providers only accept RTGS, NEFT, or direct wire transfers, blocking standard card payments.
- 02
Manual payment drag
Chasing multi-level signatures, manual maker-checker entries, and bank portal token switching slows AP down by days.
- 03
Underused card capacity
Valuable corporate credit lines and 30–45 day interest-free credit cycles sit dormant because vendors reject cards.
- 04
Reconciliation headaches
Without automated invoice-to-UTR mapping, matching card statements against vendor ledgers becomes an audit nightmare.
One payment. Four coordinated steps.
Finigenie orchestrates the transaction lifecycle while our regulated acquiring partners handle authorized acquiring and settlement.
- STEP 01
Buyer pays
Corporate buyer initiates payment with corporate credit card or virtual card.
- STEP 02
Finigenie maps
Beneficiary bank credentials, invoices, and compliance tokens are orchestrated.
- STEP 03
Partner settles
Acquiring partner clears transaction and routes funds over domestic clearing rails.
- STEP 04
Supplier gets paid
Supplier receives direct credit into their bank account with instant UTR confirmation.
From supplier selection to UTR
Single payments and bulk payroll/vendor payout workflows run through the same cart-based checkout experience.
Select supplier
Verified KYBChoose from pre-onboarded, verified vendors or add a new beneficiary via quick digital KYB.
Enter amount + invoice
Auto TaxAttach PDF invoices, verify billing terms, and confirm tax / TDS breakdown automatically.
Add to cart & batch
Bulk BatchBatch single or multiple vendor payments together into one streamlined card checkout flow.
Checkout with corporate card
3D-SecureAuthorize payment using corporate credit card, virtual commercial card, or revolving facility.
Confirm & track UTR
Direct UTRFunds settle to supplier bank accounts with real-time UTR numbers and instant PDF receipts.
Value Delivered Across the Entire Payment Chain
A unified B2B payment rail designed to benefit issuers, buyers, and suppliers simultaneously.
Unlock corporate card volume
- Increase commercial card utilization and line activation
- Generate incremental interchange and fee revenue
- Add a differentiated B2B card capability without building proprietary infrastructure
Pay any vendor centrally
- Extend working capital runway by 30 to 45 days with card float
- Streamline approvals, maker-checker, and cart-based bulk checkouts
- Automate 2-way ERP ledger reconciliation with zero spreadsheet entry
Receive pure bank transfers
- Zero merchant account or card acceptance hardware required
- Funds land directly in regular commercial bank accounts
- Automated remittance advice and UTR reference for effortless book-closing
See every payment move in real time
The BPSP dashboard gives corporate finance teams and CFOs complete command of supplier payments, approvals, and transaction statuses — with quick actions for the workflows used most.
Money flow analytics
Real-TimeVisualize send / receive activity, vendor payment velocity, and daily volume across the last 7 to 90 days.
Transaction status in real time
Live StatusInstant live view of successful, failed, processing, and pending supplier payments with UTR mapping.
Supplier payment concentration
Ledger InsightsDetailed ledger insights to understand vendor exposure, top-funded payees, and working capital trends.
Streamlined operational actions
Fast APSeamlessly jump from dashboard analytics into Quick Pay, Bulk CSV upload, or Cart checkouts.
Every payment leaves a trail.
Search, inspect, export, and share transaction evidence without stitching together bank statements and spreadsheets.
Search & multi-filters
Instant lookup by supplier name, invoice reference, date range, cardholder, or amount.
Live lifecycle tracking
Full status tracking from authorization, acquiring capture, partner payout to bank clearing.
Receipts & statements
Download single branded PDF transaction receipts with UTR codes and bulk CSV exports for audits.
Immutable audit trail
Complete timestamped logs with IP stamps, maker-checker sign-offs, and compliance certificates.
Start simple. Extend when you need more control.
Launch immediately with core BPSP capabilities, then activate advanced enterprise modules as your transaction volumes scale.
Core Platform
Everything required for everyday supplier card-to-bank operations
Optional Modules
Activate for deep ERP sync, multi-layer governance, and white-labeling
Keep the money movement
where it belongs.
Finigenie operates strictly as a technology and orchestration layer. Regulated acquiring, fund escrow, and banking clearance are executed by our licensed banking and processor partners.
Supplier funds are transferred directly into supplier bank accounts rather than bouncing through unmonitored intermediary holding accounts, ensuring full adherence to central bank settlement guidelines.
Buyer authorizes transaction on corporate credit / virtual commercial card via 3D-Secure authentication.
Beneficiary validation, digital KYB check, invoice matching, compliance tokens, and real-time ledger sync.
Authorized processor / acquiring bank handles licensed merchant acquiring, scheme clearance, and escrow management.
Supplier receives straight-through domestic wire/NEFT/RTGS credit without touching card networks.
Got Questions?
Everything you need to know about Finigenie. Can't find the answer? Talk to our team.
BPSP is an institutional payment capability developed by card networks (such as Visa and Mastercard) allowing corporate organizations to pay suppliers using corporate credit cards, even when those suppliers do not possess card merchant acceptance facilities or point-of-sale machines. The funds are cleared and deposited directly into the vendor's commercial bank account.
No. Your suppliers do not need to register as card merchants, purchase payment gateways, or pay merchant discount rates. They receive payment directly into their existing commercial bank account via standard domestic clearing (NEFT, RTGS, or UAE FTPS) along with a valid UTR number and remittance advice.
By paying vendor invoices with a corporate card via BPSP, you utilize the card's 30 to 45-day interest-free credit cycle. This allows you to hold cash in your accounts longer, negotiate early payment cash discounts with suppliers, and maximize reward points or commercial cashback.
Yes. Finigenie provides localized BPSP orchestration across both India and the UAE, ensuring regional compliance, digital KYB validation, automated tax deduction (such as TDS for India), and native bank statement reconciliation.
Finigenie automatically maps each card charge to the specific invoice number, supplier details, and resulting bank transfer UTR. This bidirectional data syncs with your accounting ERP (Tally, Zoho Books, SAP, Oracle) so your general ledger reconciles automatically without manual spreadsheet entry.
Finigenie operates as the technology and workflow orchestration platform. Licensed acquiring banks and payment processors handle card acquiring, scheme clearance, and regulated bank disbursement in full accordance with central bank regulations.
Yes. You can upload bulk supplier invoice sheets via CSV or use our cart-based checkout to aggregate dozens of vendor payouts into a single corporate card swipe.
Calculate Your ROI
Make informed investment decisions with our advanced ROI calculator.
Calculate Your ROI
Make informed investment decisions with our advanced ROI calculator.