Softwr

Accounting · head to head

Happay vs Stigg

Happay logo

Happay

Accounting

Indian travel, expense and corporate card platform, now owned by MakeMyTrip

From
On request
Rated
-
Full reviewWebsite
Stigg logo

Stigg

Accounting

Usage runtime platform for credits and entitlements

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Stigg has a free tier, so it costs nothing to try first.
  • Each has a real cost: Happay the platform has changed owner twice since 2021, from founders to CRED to MakeMyTrip, and each transition has meant leadership churn and roadmap reprioritisation.; Stigg free tier limited to 10,000 entities and 5M events per month
  • They diverge on capability: Happay covers GST-aware capture, Stigg covers Real-time credit enforcement.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Happay and Stigg actually diverge.

Attributes where Happay and Stigg differ
AttributeHappayStigg
Starting priceOn requestFree
Pricing modelquoteFreemium with usage-based and custom tiers
Free tierNoYes
PlatformsWeb, iOS, AndroidWeb, Cloud, BYOC, BYODB, API

Identical on both: 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 Happay

  • GST-aware capture
  • Corporate cards
  • Self-booking travel
  • Cash advances
  • Approval matrix
  • Analytics

Only in Stigg

  • Real-time credit enforcement
  • Financial-grade credits
  • High-scale metering
  • Budget governance
  • Flexible deployment
  • Billing platform integration
  • Data warehouse integration
  • CRM integration

What people use each for

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

Happay

  • An Indian enterprise needing GST input credit fields captured at the point of expense submissionnot Stigg
  • A company with field sales staff needing rupee prepaid cards with merchant category limitsnot Stigg
  • A finance team replacing a spreadsheet-and-email cash advance process with a tracked workflownot Stigg
  • An Indian group wanting travel booking and expense from one supplier with domestic content depthnot Stigg

Stigg

  • Managing token and credit usage for AI productsnot Happay
  • Enforcing spending caps and budget controlsnot Happay
  • Implementing prepaid credit systems with expirynot Happay
  • Real-time entitlement verification for feature accessnot Happay
  • Scaling billing infrastructure for high-volume eventsnot Happay

Where each one falls short

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

Happay

  • The platform has changed owner twice since 2021, from founders to CRED to MakeMyTrip, and each transition has meant leadership churn and roadmap reprioritisation.
  • It is now owned by an online travel agency, so the incentive is to grow travel bookings, and expense-only customers are not the strategic centre of the product.
  • Card issuance depends on partner bank relationships, so limits, approval times and product features are constrained by a bank the customer does not choose.
  • Coverage is overwhelmingly India-specific, which makes it unsuitable as a group-wide platform for companies with foreign subsidiaries.
  • Integration depth outside common Indian ERP and accounting systems is thin, and connecting a global SAP instance usually needs bespoke work.

Stigg

  • Free tier limited to 10,000 entities and 5M events per month
  • Pro plan pricing ($399/month) may be high for early-stage companies
  • Scale and BYOC plans require custom contracts and sales engagement
  • Primarily targets AI and high-scale use cases, not all business models
  • Requires integration with separate billing platform (Stripe, Zuora, etc.)

Pricing, plan by plan

Happay

On request
  • Happay$undefined/year
    • Quoted per-user or per-transaction subscription
    • Card programme terms set with the partner bank
    • Travel booking fees separate from expense subscription

Stigg

Free
  • Build (Free Forever)Free
    • 10,000 managed entities per month
    • 5M usage events per month
    • 1K events per second rate limit
  • Pro$399/month
    • 10,000 entities included (graduated pricing to 100K)
    • 25M usage events included (to 500M with graduated rates)
    • 10K events per second (upgradeable to 100K)
  • Scale$null/custom
    • Custom entity and event volumes
    • 50K events per second (upgradeable to 100K)
    • RBAC and SSO (SAML)
  • BYOC$40000/year
    • Deploy in customer VPC
    • Unlimited entities and events
    • No event billing

Which should you pick?

Choose Happay if

  • You need gst-aware capture.
  • You work on Web, iOS, Android.
  • You also want corporate cards.
Happay review

Choose Stigg if

  • You need real-time credit enforcement.
  • You want to start without paying.
  • You work on Web, Cloud, BYOC, BYODB, API.
  • You also want financial-grade credits.
Stigg review

Questions people ask

Is Happay or Stigg better?
Neither clearly leads. Happay starts at On request and Stigg at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Happay or Stigg?
Stigg has a free tier; the other does not. Paid plans start at On request for Happay and Free for Stigg.
Does Happay or Stigg run on more platforms?
Happay runs on Web, iOS, Android. Stigg runs on Web, Cloud, BYOC, BYODB, API.
Can I use Stigg for free?
Yes. Stigg has a free tier, so you can try it without paying. Happay starts at On request.
What is Happay best used for?
Happay is most often used for an indian enterprise needing gst input credit fields captured at the point of expense submission, a company with field sales staff needing rupee prepaid cards with merchant category limits, a finance team replacing a spreadsheet-and-email cash advance process with a tracked workflow, an indian group wanting travel booking and expense from one supplier with domestic content depth. Of those, an indian enterprise needing gst input credit fields captured at the point of expense submission and a company with field sales staff needing rupee prepaid cards with merchant category limits are not what Stigg is typically brought in for.
What can Happay do that Stigg cannot?
Happay covers GST-aware capture, Corporate cards, Self-booking travel, Cash advances. Stigg covers Real-time credit enforcement, Financial-grade credits, High-scale metering, Budget governance.

Answered from the vendors’ own pages

Happay: Who owns Happay now?

MakeMyTrip. It agreed in November 2024 to acquire the expense management platform, brand and team from CRED, which had bought Happay in 2021.

Stigg: How quickly does Stigg check entitlements?

Stigg makes entitlement checks in under 10 milliseconds, enabling real-time enforcement of spending decisions before token consumption.

Source
Happay: Can it be used outside India?

It books international travel for Indian entities, but the expense and card sides are built for Indian tax and banking and do not serve foreign entities well.

Stigg: Can I use Stigg with my existing billing platform?

Yes, Stigg integrates with major billing platforms including Stripe, Zuora, Chargebee, Metronome, and Orb to manage entitlements and credits.

Source
Happay: Does Happay issue its own cards?

It issues cards through partner banks rather than under its own banking licence, so card terms follow the partner.

Stigg: What deployment options does Stigg offer?

Stigg offers cloud API, BYOC (Bring Your Own Cloud) for VPC deployment, and BYODB options for customers who want to manage their own database.

Source
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