Happay vs Pluto Card

Happay is a cloud-based business spend management platform for corporate spending, expense claims, reimbursements, and spending insights. Its products include travel and expense management, fleet management, petty cash, employee tax benefits, invoice-to-pay, and travel self-booking. Xpendite collects expense data from six or more sources, while receipt scanning supports expense reporting. SmartAudit flags policy violations and duplicate bills; Happay says its GST engine captures and verifies receipt tax details. ApprovNow provides real-time updates to approvers, employees, and finance teams. Travelers can book flights, hotels, and cabs through the Self Booking Tool. Listed ERP and HRMS integrations include SAP, Oracle, NetSuite, Microsoft Dynamics, Tally, Ramco, and Workday, with bidirectional sync. Happay describes the platform as ISO 27001 and SOC 2 certified, with encryption, SSO, open APIs, and role-based access. It supports multiple approval levels, cost centers, mileage reimbursement, per diem, and bank payouts. The listed platforms are Android, iOS, and web. Pricing is on request, though a free Epic plan is also listed.

Pluto Card combines corporate cards, expense management, petty cash, procurement, invoice management, and accounting automation in one platform. Employees can submit receipts through WhatsApp, SMS, or email for AI processing, while the platform monitors spending against policies and budgets. Its prepaid Mastercard corporate cards offer real-time spending limits and budgets, with up to 2% cashback on business expenses. Procurement tools include configurable approval routing, vendor contract tracking, and two-way and three-way GRN matching. Pluto says its AI OCR can process hundreds of invoices within minutes and flag duplicates. Listed accounting integrations include NetSuite, Wafeq, Xero, Tally, Zoho, Microsoft Dynamics, QuickBooks, Oracle Fusion, Oracle JD Edwards, Epicor, SAP, Odoo, and Infor. HR and sign-in options include Workday, Deel, BambooHR, Okta, Microsoft Entra ID, Google SSO, and Ping Identity. Pluto lists Android, iOS, and web platforms. Its free plan has no monthly subscription and covers up to 10 users. The product is presented for businesses from small companies to large groups, including retail, food and beverage, professional services, and technology startups.