Accounting · head to head
Fyle vs Kodo
Fyle
Accounting
Real-time expense management that works with your cards
- From
- $11.99/month per active user
- Rated
- -
Kodo
Accounting
Corporate cards and intake to pay for Indian businesses
- From
- On request
- Rated
- -
The short version
- Each has a real cost: 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; Kodo kodo is not a licensed issuer, so card limits, settlement cycles and eligibility come from a partner bank whose terms you do not directly control and which can change the programme.
- They diverge on capability: Fyle covers Real-time card tracking, Kodo covers Corporate cards.
- Prices and features above were last checked on 1 September 2026.
Where they differ
Only the attributes on which Fyle and Kodo actually diverge.
Identical on both: free tier (No), platforms (Web, Ios, Android), user rating (Not yet rated), category (Accounting).
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 Fyle
- Real-time card tracking
- Automatic receipt matching
- Expense policies
- Mileage tracking
- QuickBooks
- Xero
- Sage Intacct
- NetSuite
Only in Kodo
- Corporate cards
- Purchase requests
- Invoice capture and matching
- Vendor payouts
- GST and TDS handling
- ERP integration
- Spend analytics
Both cover
- Approval workflows
What people use each for
The jobs each tool is most often brought in to do.
Fyle
- Expense reporting and corporate card reconciliationnot Kodo
- Enforcing spend policy and approvals before reimbursementnot Kodo
Kodo
- An Indian startup replacing founder personal cards with issued cards carrying per employee limitsnot Fyle
- A finance team automating vendor payouts across NEFT, RTGS and UPI with maker checker approvalnot Fyle
- A company that needs GST compliant invoice coding flowing into Tally without rekeyingnot Fyle
- A business enforcing purchase requests and approvals before spend rather than reconciling it afterwardsnot Fyle
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
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
Kodo
- Kodo is not a licensed issuer, so card limits, settlement cycles and eligibility come from a partner bank whose terms you do not directly control and which can change the programme.
- Indian regulatory changes on prepaid instruments and card issuing partnerships have repeatedly disrupted fintech card programmes, so continuity risk is higher here than in equivalent European or United States products.
- Pricing is not published, so comparing Kodo against Happay, Zoho Expense or a bank corporate card requires a full sales cycle and disclosure of your spend volumes.
- Coverage is India only, so any group with overseas subsidiaries runs a second card and payables system and loses the consolidated view.
- The intake to pay workflow is lighter than a dedicated procurement suite, with limited contract management and supplier onboarding, so regulated or heavily audited buyers will find gaps.
Pricing, plan by plan
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
Kodo
On request- Kodo$undefined/year
- Quoted per customer, no published rate card
- Card limits and settlement terms set by the sponsoring partner bank
- Payout volumes and payment rails may carry per transaction charges
Which should you pick?
Choose Fyle if
- You need real-time card tracking.
- You work on Web, Ios, Android.
- You also want automatic receipt matching.
Choose Kodo if
- You need corporate cards.
- You work on Web, iOS, Android.
- You also want purchase requests.
Questions people ask
- Is Fyle or Kodo better?
- Neither clearly leads. Fyle starts at $11.99/month per active user and Kodo at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Fyle or Kodo?
- Fyle starts at $11.99/month per active user and Kodo at On request.
- Does Fyle or Kodo run on more platforms?
- Fyle runs on Web, Ios, Android. Kodo runs on Web, iOS, Android.
- What is Fyle best used for?
- Fyle is most often used for expense reporting and corporate card reconciliation, enforcing spend policy and approvals before reimbursement. Of those, expense reporting and corporate card reconciliation and enforcing spend policy and approvals before reimbursement are not what Kodo is typically brought in for.
- What can Fyle do that Kodo cannot?
- Fyle covers Real-time card tracking, Automatic receipt matching, Expense policies, Mileage tracking. Kodo covers Corporate cards, Purchase requests, Invoice capture and matching, Vendor payouts. Both handle Approval workflows.
Answered from the vendors’ own pages
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.
SourceKodo: Who actually issues the cards?
A partner bank under a card network arrangement, not Kodo. Ask which bank, whether the product is credit or prepaid, and what happens to your limits if the partnership changes.
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.
SourceKodo: Is pricing published?
No. Kodo quotes per customer, so benchmark against at least two Indian rivals before signing.
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.
SourceKodo: Does Kodo work outside India?
No meaningful coverage outside India for card issuing or payouts.
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