Softwr

Accounting · head to head

Hnry vs Kodo

Hnry logo

Hnry

Accounting

Accounting for sole traders and the self-employed

From
1/per $100 income
Rated
-
Full reviewWebsite
Kodo logo

Kodo

Accounting

Corporate cards and intake to pay for Indian businesses

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Hnry service limited to self-employed sole traders in New Zealand only; 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.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Hnry and Kodo actually diverge.

Attributes where Hnry and Kodo differ
AttributeHnryKodo
Starting price1/per $100 incomeOn request
Pricing modelusage-basedquote
PlatformsWebWeb, iOS, Android

Identical on both: free tier (No), 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 Hnry

Nothing recorded that Kodo does not also cover.

Only in Kodo

  • Corporate cards
  • Purchase requests
  • Invoice capture and matching
  • Vendor payouts
  • GST and TDS handling
  • ERP integration
  • Approval workflows
  • Spend analytics

What people use each for

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

Hnry

  • Calculating quarterly tax without manual bookkeepingnot Kodo
  • Logging expenses via photo instantlynot Kodo
  • Sending unlimited invoices with auto-follow-upnot Kodo
  • Automatically withholding income taxes year-roundnot Kodo

Kodo

  • An Indian startup replacing founder personal cards with issued cards carrying per employee limitsnot Hnry
  • A finance team automating vendor payouts across NEFT, RTGS and UPI with maker checker approvalnot Hnry
  • A company that needs GST compliant invoice coding flowing into Tally without rekeyingnot Hnry
  • A business enforcing purchase requests and approvals before spend rather than reconciling it afterwardsnot Hnry

Where each one falls short

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

Hnry

  • Service limited to self-employed sole traders in New Zealand only
  • 1% + GST fee with $1,500 annual maximum cap
  • Minimum $0.50 fee per transaction for payments under $50

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

Hnry

1/per $100 income

No published plan breakdown. See the Hnry review.

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 Hnry if

Nothing in the data separates Hnry from Kodo on the points above - pick on price and on how each one feels to use.

Hnry review

Choose Kodo if

  • You need corporate cards.
  • You work on Web, iOS, Android.
  • You also want purchase requests.
Kodo review

Questions people ask

Is Hnry or Kodo better?
Neither clearly leads. Hnry starts at 1/per $100 income and Kodo at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Hnry or Kodo?
Hnry starts at 1/per $100 income and Kodo at On request.
Does Hnry or Kodo run on more platforms?
Hnry runs on Web. Kodo runs on Web, iOS, Android.
What is Hnry best used for?
Hnry is most often used for calculating quarterly tax without manual bookkeeping, logging expenses via photo instantly, sending unlimited invoices with auto-follow-up, automatically withholding income taxes year-round. Of those, calculating quarterly tax without manual bookkeeping and logging expenses via photo instantly are not what Kodo is typically brought in for.
What can Hnry do that Kodo cannot?
Kodo covers Corporate cards, Purchase requests, Invoice capture and matching, Vendor payouts.

Answered from the vendors’ own pages

Hnry: How much does Hnry charge?

Hnry charges 1% plus GST of independent income paid into your Hnry Bank Account, with a maximum annual fee of $1,500. Minimum fee is $0.50 per payment for transactions under $50.

Source
Kodo: 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.

Hnry: Are there joining fees for Hnry?

No, Hnry has no joining fees, upfront payments, or credit card required to sign up.

Source
Kodo: Is pricing published?

No. Kodo quotes per customer, so benchmark against at least two Indian rivals before signing.

Hnry: Is the Hnry fee tax deductible?

Yes, Hnry automatically claims its fees as a business expense on your behalf, making them tax-deductible.

Source
Kodo: Does Kodo work outside India?

No meaningful coverage outside India for card issuing or payouts.

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