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Accounting · head to head

Kodo vs sevdesk

Kodo logo

Kodo

Accounting

Corporate cards and intake to pay for Indian businesses

From
On request
Rated
-
Full reviewWebsite
sevdesk logo

sevdesk

Accounting

German accounting and invoicing software for small businesses and freelancers

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only sevdesk has a free tier, so it costs nothing to try first.
  • Each has a real cost: 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.; sevdesk the free Kostenlos plan caps invoices and e-invoices at just 3 per month, forcing an upgrade to the Rechnung plan for unlimited invoicing
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Kodo and sevdesk actually diverge.

Attributes where Kodo and sevdesk differ
AttributeKodosevdesk
Starting priceOn requestFree
Pricing modelquotefreemium
Free tierNoYes
PlatformsWeb, iOS, AndroidWeb

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 Kodo

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

Only in sevdesk

Nothing recorded that Kodo does not also cover.

What people use each for

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

Kodo

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

sevdesk

  • Scanning receipts via mobile app and matching to transactionsnot Kodo
  • Creating VAT advance returns and filing with tax authoritiesnot Kodo
  • Generating XRechnung format invoices mandatory for B2B by 2025not Kodo
  • Recording bank transactions automatically across 4000+ supported banksnot Kodo
  • Managing unlimited invoices with automatic sales tax calculationsnot Kodo

Where each one falls short

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

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.

sevdesk

  • The free Kostenlos plan caps invoices and e-invoices at just 3 per month, forcing an upgrade to the Rechnung plan for unlimited invoicing
  • API access and cost center tracking are reserved for the top Buchhaltung Pro tier at EUR 13.95 to EUR 34.90/month depending on commitment length, not included in the mid-tier Buchhaltung plan

Pricing, plan by plan

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

sevdesk

Free
  • FreeFree
    • Permanently free with no credit card required
    • Up to 3 invoices/e-invoices monthly
    • Unlimited contact creation
  • Rechnung (Invoice Plan)$11.9/month
    • Regular: €11.90/month, discounted to €4.45/month on 24-month term
    • Unlimited invoices, offers, e-invoices, and payment reminders
  • Buchhaltung (Accounting Plan)$25.9/month
    • Recommended plan
    • Regular: €25.90/month, discounted to €9.95/month on 24-month term
    • Bookkeeping features, AI-powered receipt capture, tax filing
  • Buchhaltung Pro (Accounting Pro)$34.9/month
    • Regular: €34.90/month, discounted to €13.95/month on 24-month term
    • Cost center analysis, REST-API access, business financial analysis (BWA)

Which should you pick?

Choose Kodo if

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

Choose sevdesk if

  • You want to start without paying.
sevdesk review

Questions people ask

Is Kodo or sevdesk better?
Neither clearly leads. Kodo starts at On request and sevdesk at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Kodo or sevdesk?
sevdesk has a free tier; the other does not. Paid plans start at On request for Kodo and Free for sevdesk.
Does Kodo or sevdesk run on more platforms?
Kodo runs on Web, iOS, Android. sevdesk runs on Web.
Can I use sevdesk for free?
Yes. sevdesk has a free tier, so you can try it without paying. Kodo starts at On request.
What is Kodo best used for?
Kodo is most often used for an indian startup replacing founder personal cards with issued cards carrying per employee limits, a finance team automating vendor payouts across neft, rtgs and upi with maker checker approval, a company that needs gst compliant invoice coding flowing into tally without rekeying, a business enforcing purchase requests and approvals before spend rather than reconciling it afterwards. Of those, an indian startup replacing founder personal cards with issued cards carrying per employee limits and a finance team automating vendor payouts across neft, rtgs and upi with maker checker approval are not what sevdesk is typically brought in for.
What can Kodo do that sevdesk cannot?
Kodo covers Corporate cards, Purchase requests, Invoice capture and matching, Vendor payouts.

Answered from the vendors’ own pages

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.

sevdesk: How much does sevdesk cost?

sevdesk offers a free plan and three paid tiers. Invoice Plan starts at €11.90/month (€4.45/month on 24-month), Accounting Plan at €25.90/month (€9.95/month on 24-month), and Accounting Pro at €34.90/month (€13.95/month on 24-month).

Source
Kodo: Is pricing published?

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

sevdesk: What is included in sevdesk's free plan?

The free plan allows creation of up to 3 invoices/e-invoices monthly, unlimited contact creation, and access to support materials. No credit card is required.

Source
Kodo: Does Kodo work outside India?

No meaningful coverage outside India for card issuing or payouts.

sevdesk: What add-ons are available for sevdesk?

sevdesk offers optional add-ons priced €3.90-€19.90/month including premium layouts, additional users, inventory management, and time tracking. Premium services such as setup consultations start at €24.90.

Source
sevdesk: Does sevdesk offer a promotional discount?

Yes, sevdesk advertises up to 50% discount through a time-limited Black Cyber Deal offering 60% off all plans. Additionally, all paid plans include 24-month term options with significant savings (up to 62% discount).

Source
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