Softwr

Payroll · head to head

EnKash vs Oyster

EnKash logo

EnKash

Payroll

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

From
On request
Rated
-
Full reviewWebsite
Oyster logo

Oyster

Payroll

Hire globally, compliantly

From
$29/month
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.; Oyster employer of Record is $699 per employee per month, with the discount tied to annual billing
  • They diverge on capability: EnKash covers Corporate card ecosystem, Oyster covers Global Employment.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which EnKash and Oyster actually diverge.

Attributes where EnKash and Oyster differ
AttributeEnKashOyster
Starting priceOn request$29/month
Pricing modelquotesubscription
FoundedUnknown2020

Identical on both: free tier (No), platforms (Web, iOS, Android), user rating (Not yet rated), category (Payroll).

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 Oyster

  • Global Employment
  • Payroll
  • Benefits
  • Compliance
  • Contractor Management
  • Time Off
  • Expenses
  • BambooHR

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 Oyster
  • A finance team wanting real-time merchant category restrictions on employee card spendnot Oyster
  • A company wanting tax-saving benefit cards issued alongside standard expense cardsnot Oyster
  • An enterprise wanting a prepaid card issuer with its own RBI licence rather than a reseller of a bank's licencenot Oyster

Oyster

  • Hiring employees abroad without setting up a local legal entitynot EnKash
  • Onboarding and paying international contractorsnot EnKash
  • Getting country specific employment compliance advice for distributed teamsnot 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.

Oyster

  • Employer of Record is $699 per employee per month, with the discount tied to annual billing
  • A refundable deposit is required before an EOR engagement starts
  • Contractor management is free for 30 days then $29 per contractor per month
  • HR advisory through People Partner Services is billed at $300 per hour on top of the subscription
  • A currency conversion fee applies when you pay Oyster in a currency other than the contract currency
  • Payments are accepted only by direct debit or wire in USD, EUR, GBP or CAD

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

Oyster

$29/month
  • Global Contractors$29/month
    • Instant contracts in 180+ countries
    • Contractor payments in 120+ currencies
    • Identity verification
  • Employer of Record (EOR)$699/month
    • Compliant employment in 120+ countries
    • Multi-country payroll in 120+ currencies
    • Automated expenses, time-off, and reports

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 Oyster if

  • You need global employment.
  • You work on Web, Ios, Android.
  • You also want payroll.
Oyster review

Questions people ask

Is EnKash or Oyster better?
Neither clearly leads. EnKash starts at On request and Oyster at $29/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, EnKash or Oyster?
EnKash starts at On request and Oyster at $29/month.
Does EnKash or Oyster run on more platforms?
EnKash runs on Web, iOS, Android. Oyster 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 Oyster is typically brought in for.
What can EnKash do that Oyster cannot?
EnKash covers Corporate card ecosystem, UPI-linked petty cash wallets, Real-time compliance controls, AI receipt management. Oyster covers Global Employment, Payroll, Benefits, Compliance.

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.

Oyster: How much does Oyster charge for Employer of Record services?

Oyster charges $699 per employee per month for EOR services, with annual discounts available. Setup, onboarding, and offboarding are included with no additional charges.

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.

Oyster: How much does Oyster charge for Global Contractors?

Oyster's Global Contractors tier costs $29 per contractor per month after a free 30-day trial. The plan covers instant contracts in 180+ countries, payments in 120+ currencies, and contractor management tools.

Source
EnKash: Is pricing published?

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

Oyster: What discounts does Oyster offer?

Oyster offers discounts for nonprofits and B-corps through its 'Oyster for Impact' program, startup savings of up to $1,200 on EOR subscriptions, and discounted or waived pricing for refugee support programs.

Source
Oyster: What payment methods does Oyster accept?

Oyster accepts payment by direct debit, wire transfer, and auto-withdrawal. The platform supports multiple currencies including USD, EUR, GBP, and CAD, with fees applied only when paying in a currency different from the contract currency.

Source
Share

Related pages

More on EnKash

More on Oyster

Keep looking

Other head to heads