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Accounting · head to head

IRIS KashFlow vs Kodo

IRIS KashFlow logo

IRIS KashFlow

Accounting

Online accounting software for UK sole traders and small businesses

From
£13.5/month
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: IRIS KashFlow advertised monthly prices of £1.35 (Starter) and £2.75 (Business) are a 90% promotional discount off the standard £13.50 and £27.50 rates, and the promotion is described as lasting 6 months before reverting; 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 IRIS KashFlow and Kodo actually diverge.

Attributes where IRIS KashFlow and Kodo differ
AttributeIRIS KashFlowKodo
Starting price£13.5/monthOn request
Pricing modelsubscriptionquote
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 IRIS KashFlow

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.

IRIS KashFlow

  • business accountingnot Kodo
  • invoicing and billingnot Kodo
  • VAT managementnot Kodo

Kodo

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

Where each one falls short

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

IRIS KashFlow

  • Advertised monthly prices of £1.35 (Starter) and £2.75 (Business) are a 90% promotional discount off the standard £13.50 and £27.50 rates, and the promotion is described as lasting 6 months before reverting
  • Listed prices are in GBP plus VAT, and the platform's plans are built around UK VAT filing rather than other tax regimes
  • Annual pricing is quoted at RRP £162/year (Starter) and £291.50/year (Business) before the same promotional reduction

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

IRIS KashFlow

£13.5/month
  • Starter Monthly$13.5/month
    • 10 invoices
    • up to 25 bank transactions
    • single user access
  • Business Monthly$27.5/month
    • unlimited invoices
    • unlimited bank transactions
    • multi-user access
  • Starter Annual$162/year
    • 10 invoices
    • up to 25 bank transactions
    • single user access
  • Business Annual$291.5/year
    • unlimited invoices
    • unlimited bank transactions
    • multi-user access

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 IRIS KashFlow if

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

IRIS KashFlow 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 IRIS KashFlow or Kodo better?
Neither clearly leads. IRIS KashFlow starts at £13.5/month and Kodo at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, IRIS KashFlow or Kodo?
IRIS KashFlow starts at £13.5/month and Kodo at On request.
Does IRIS KashFlow or Kodo run on more platforms?
IRIS KashFlow runs on Web. Kodo runs on Web, iOS, Android.
What is IRIS KashFlow best used for?
IRIS KashFlow is most often used for business accounting, invoicing and billing, vat management. Of those, business accounting and invoicing and billing are not what Kodo is typically brought in for.
What can IRIS KashFlow do that Kodo cannot?
Kodo covers Corporate cards, Purchase requests, Invoice capture and matching, Vendor payouts.

Answered from the vendors’ own pages

IRIS KashFlow: What are IRIS KashFlow's core features across all plans?

All IRIS KashFlow plans include unlimited quotes, online VAT submission, mobile app access, 50+ reports, bank feeds, receipt capture, multi-currency support, and payroll for up to 5 employees.

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.

IRIS KashFlow: Are there promotional discounts for new IRIS KashFlow customers?

Yes, new customers receive a 90% discount for 6 months on both Starter and Business monthly plans.

Source
Kodo: Is pricing published?

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

IRIS KashFlow: Can multiple users access IRIS KashFlow on the Starter plan?

No, the Starter plan is limited to single-user access only. Multi-user access requires the Business plan.

Source
Kodo: Does Kodo work outside India?

No meaningful coverage outside India for card issuing or payouts.

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