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Payroll · head to head

EnKash vs Fyle

EnKash logo

EnKash

Payroll

Indian corporate card and spend management platform holding an RBI prepaid payment instrument licence

From
On request
Rated
-
Full reviewWebsite
Fyle logo

Fyle

Accounting

Real-time expense management that works with your cards

From
$11.99/month per active user
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: 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.; Fyle billed per active user, defined as anyone who creates an expense or has a connected card with transactions in the month, so headcount does not predict the bill
  • They diverge on capability: EnKash covers Corporate card ecosystem, Fyle covers Real-time card tracking.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which EnKash and Fyle actually diverge.

Attributes where EnKash and Fyle differ
AttributeEnKashFyle
Starting priceOn request$11.99/month per active user
Pricing modelquotesubscription
CategoryPayrollAccounting
FoundedUnknown2016

Identical on both: free tier (No), platforms (Web, iOS, Android), 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 EnKash

  • Corporate card ecosystem
  • UPI-linked petty cash wallets
  • Real-time compliance controls
  • AI receipt management
  • PPI licence issuance
  • Expense management software

Only in Fyle

  • Real-time card tracking
  • Automatic receipt matching
  • Expense policies
  • Approval workflows
  • Mileage tracking
  • QuickBooks
  • Xero
  • Sage Intacct

What people use each for

The jobs each tool is most often brought in to do.

EnKash

  • An Indian business replacing branch-level petty cash handling with UPI-linked digital walletsnot Fyle
  • A finance team wanting real-time merchant category restrictions on employee card spendnot Fyle
  • A company wanting tax-saving benefit cards issued alongside standard expense cardsnot Fyle
  • An enterprise wanting a prepaid card issuer with its own RBI licence rather than a reseller of a bank's licencenot Fyle

Fyle

  • Expense reporting and corporate card reconciliationnot EnKash
  • Enforcing spend policy and approvals before reimbursementnot EnKash

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

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.

Fyle

  • Billed per active user, defined as anyone who creates an expense or has a connected card with transactions in the month, so headcount does not predict the bill
  • The Growth plan carries a 5 user minimum and the Business plan a 10 user minimum, so the entry cost is set by the floor rather than the team
  • API access and the Sage Intacct and NetSuite integrations require a paid tier
  • ACH reimbursements and project expense tracking sit above the entry plan
  • Both published plans are billed annually
  • Enterprise pricing is custom and aimed at organisations with 250 or more employees

Pricing, plan by plan

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

Fyle

$11.99/month per active user
  • Growth$11.99/month per active user
    • Minimum 5 users
    • Unlimited expense tracking, receipt scanning
    • Card integrations, mileage/per diem tracking
  • Business$14.99/month per active user
    • Minimum 10 users
    • Multi-stage approvals, ACH reimbursements (US only)
    • Project tracking, Sage Intacct/300 CRE integrations
  • Enterprise$null/mo
    • 250+ employees
    • IP whitelisting, SSO options
    • Branded accounts, dedicated account manager

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.
EnKash review

Choose Fyle if

  • You need real-time card tracking.
  • You work on Web, Ios, Android.
  • You also want automatic receipt matching.
Fyle review

Questions people ask

Is EnKash or Fyle better?
Neither clearly leads. EnKash starts at On request and Fyle at $11.99/month per active user, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, EnKash or Fyle?
EnKash starts at On request and Fyle at $11.99/month per active user.
Does EnKash or Fyle run on more platforms?
EnKash runs on Web, iOS, Android. Fyle runs on Web, Ios, Android.
What is EnKash best used for?
EnKash is most often used for an indian business replacing branch-level petty cash handling with upi-linked digital wallets, a finance team wanting real-time merchant category restrictions on employee card spend, a company wanting tax-saving benefit cards issued alongside standard expense cards, an enterprise wanting a prepaid card issuer with its own rbi licence rather than a reseller of a bank's licence. Of those, an indian business replacing branch-level petty cash handling with upi-linked digital wallets and a finance team wanting real-time merchant category restrictions on employee card spend are not what Fyle is typically brought in for.
What can EnKash do that Fyle cannot?
EnKash covers Corporate card ecosystem, UPI-linked petty cash wallets, Real-time compliance controls, AI receipt management. Fyle covers Real-time card tracking, Automatic receipt matching, Expense policies, Approval workflows.

Answered from the vendors’ own pages

EnKash: Does EnKash operate outside India?

No, it is built for the Indian regulatory and payment rail environment specifically.

Fyle: How does Fyle define and charge for active users?

An 'active user' is defined as an employee who creates at least one expense or has a credit card connected with active transactions monthly. You only pay for active users, not all onboarded employees.

Source
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.

Fyle: What is Fyle's Growth plan pricing?

The Growth plan costs $11.99 per active user per month (billed annually) with a minimum of 5 users. Includes unlimited expense tracking, receipt scanning, and single-stage approvals.

Source
EnKash: Is pricing published?

No, EnKash requires a sales conversation for pricing based on card volume and modules used.

Fyle: What features does Fyle's Business plan add?

The Business plan costs $14.99 per active user per month (minimum 10 users, annual billing) and adds multi-stage approvals, project tracking, ACH reimbursements (US only), and premium support.

Source
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