Accounting · head to head
Cledara vs EnKash
Cledara
Accounting
Software subscription management with a virtual card per application, priced from £100 a month
- From
- £100/month
- Rated
- -
EnKash
Payroll
Indian corporate card and spend management platform holding an RBI prepaid payment instrument licence
- From
- On request
- Rated
- -
The short version
- Each has a real cost: Cledara control only extends to subscriptions paid on a Cledara card, so anything billed by invoice, bank transfer or a legacy company card is invisible to the system and undermines the inventory it promises.; EnKash it is built specifically for Indian regulation and payment rails, so a multinational needs a separate platform for spend outside India, undermining any single-vendor global spend management strategy.
- They diverge on capability: Cledara covers Virtual card per subscription, EnKash covers Corporate card ecosystem.
- Prices and features above were last checked on 1 September 2026.
Where they differ
Only the attributes on which Cledara and EnKash actually diverge.
Identical on both: free tier (No), user rating (Not yet rated).
What each one covers
Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.
Only in Cledara
- Virtual card per subscription
- Cancel by card
- Application inventory
- Approval workflow
- Invoice collection
- Accounting export
- Spend optimisation module
- IT management and compliance modules
Only in EnKash
- Corporate card ecosystem
- UPI-linked petty cash wallets
- Real-time compliance controls
- AI receipt management
- PPI licence issuance
- Expense management software
What people use each for
The jobs each tool is most often brought in to do.
Cledara
- A finance team that cannot say what software the company pays for because everything is on three people's company cardsnot EnKash
- A company that keeps paying for tools nobody uses and cannot get the vendor to process a cancellationnot EnKash
- A startup wanting approval on new software purchases before the first charge rather than at the auditnot EnKash
- A finance function that spends days each month chasing SaaS invoices for the accountantnot EnKash
EnKash
- An Indian business replacing branch-level petty cash handling with UPI-linked digital walletsnot Cledara
- A finance team wanting real-time merchant category restrictions on employee card spendnot Cledara
- A company wanting tax-saving benefit cards issued alongside standard expense cardsnot Cledara
- An enterprise wanting a prepaid card issuer with its own RBI licence rather than a reseller of a bank's licencenot Cledara
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
Cledara
- Control only extends to subscriptions paid on a Cledara card, so anything billed by invoice, bank transfer or a legacy company card is invisible to the system and undermines the inventory it promises.
- Tier limits are set by number of applications rather than headcount, and twenty applications on the Basic plan is fewer than most companies of fifty actually run, so buyers often land on a higher tier than the entry price suggests.
- The modules that turn it from a payment layer into a management platform, spend optimisation, IT management and compliance, are each priced at £150 to £200 a month, comparable to the base plan itself.
- Usage data is inferred from payment and integration signals rather than deep application telemetry, so its judgement of whether a tool is underused is weaker than a discovery product built on single sign-on and API usage.
- It is a card issuer as well as a software vendor, which adds financial counterparty considerations and means a change in its banking arrangements would affect how the company pays every one of its suppliers.
EnKash
- It is built specifically for Indian regulation and payment rails, so a multinational needs a separate platform for spend outside India, undermining any single-vendor global spend management strategy.
- Pricing is entirely unpublished, so a finance team cannot budget the platform before a sales conversation.
- Holding its own PPI licence reduces reliance on a bank partner but does not remove regulatory risk entirely, since RBI rules on prepaid instruments and card issuance in India have changed materially in recent years and can change again.
- As a full-stack ecosystem spanning cards, wallets and expense software, adoption benefits most companies that commit to most of the modules together, which raises switching cost once implemented.
- Independent published benchmarks on uptime, dispute resolution speed and support responsiveness are thin compared with more established global spend platforms.
Pricing, plan by plan
Cledara
£100/month- Basic$100/month
- Up to 20 software applications
- Virtual card per subscription
- Application inventory and approvals
- Premium$undefined/month
- Up to 75 software applications
- Typically 51 to 150 staff
- 1% cashback in the first year, capped at the subscription cost
- Pro$undefined/month
- For organisations above roughly 150 staff
- Scoped individually
- 1% cashback in the first year, capped at plan cost
- Add-on modules$200/month
- Spend Optimization £200 a month or £1,500 a year
- IT Management £150 a month or £1,500 a year
- Software Compliance £150 a month or £1,500 a year
EnKash
On request- EnKash$undefined/year
- Pricing not published, quote based on card volume and modules
- Corporate card, expense management and UPI wallet modules available separately or bundled
Which should you pick?
Choose EnKash if
- You need corporate card ecosystem.
- You work on Web, iOS, Android.
- You also want upi-linked petty cash wallets.
Questions people ask
- Is Cledara or EnKash better?
- Neither clearly leads. Cledara starts at £100/month and EnKash at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Cledara or EnKash?
- Cledara starts at £100/month and EnKash at On request.
- Does Cledara or EnKash run on more platforms?
- Cledara runs on Web. EnKash runs on Web, iOS, Android.
- What is Cledara best used for?
- Cledara is most often used for a finance team that cannot say what software the company pays for because everything is on three people's company cards, a company that keeps paying for tools nobody uses and cannot get the vendor to process a cancellation, a startup wanting approval on new software purchases before the first charge rather than at the audit, a finance function that spends days each month chasing saas invoices for the accountant. Of those, a finance team that cannot say what software the company pays for because everything is on three people's company cards and a company that keeps paying for tools nobody uses and cannot get the vendor to process a cancellation are not what EnKash is typically brought in for.
- What can Cledara do that EnKash cannot?
- Cledara covers Virtual card per subscription, Cancel by card, Application inventory, Approval workflow. EnKash covers Corporate card ecosystem, UPI-linked petty cash wallets, Real-time compliance controls, AI receipt management.
Answered from the vendors’ own pages
Cledara: What does it cost?
Basic is £100 a month for up to 20 applications, with Premium covering up to 75 and Pro above that. Add-on modules are £150 to £200 a month each, and annual payment saves 16%.
EnKash: Does EnKash operate outside India?
No, it is built for the Indian regulatory and payment rail environment specifically.
Cledara: Does it find software we did not tell it about?
Only what passes through its cards or connected integrations. Subscriptions paid by invoice or another card stay hidden, which is the main limitation of the model.
EnKash: What is a PPI licence and why does it matter?
It is a Reserve Bank of India licence to issue prepaid payment instruments; EnKash holding its own, obtained April 2025, means it depends less on a partner bank for card issuance.
Cledara: How does cancelling work?
You cancel the virtual card for that subscription, which stops the payment. It does not remove your contractual obligation, so check notice periods.
EnKash: Is pricing published?
No, EnKash requires a sales conversation for pricing based on card volume and modules used.
Cledara: Is the application limit by users or by tools?
By tools. Twenty on Basic, seventy-five on Premium. Count your actual subscriptions before assuming the entry price applies to you.
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