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Accounting · head to head

Kodo vs Stigg

Kodo logo

Kodo

Accounting

Corporate cards and intake to pay for Indian businesses

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: 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.; Stigg free tier limited to 10,000 entities and 5M events per month
  • They diverge on capability: Kodo covers Corporate cards, 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 Kodo and Stigg actually diverge.

Attributes where Kodo and Stigg differ
AttributeKodoStigg
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 Kodo

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

Kodo

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

Stigg

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

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

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

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 Kodo if

  • You need corporate cards.
  • You work on Web, iOS, Android.
  • You also want purchase requests.
Kodo 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 Kodo or Stigg better?
Neither clearly leads. Kodo 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, Kodo or Stigg?
Stigg has a free tier; the other does not. Paid plans start at On request for Kodo and Free for Stigg.
Does Kodo or Stigg run on more platforms?
Kodo 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. 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 Stigg is typically brought in for.
What can Kodo do that Stigg cannot?
Kodo covers Corporate cards, Purchase requests, Invoice capture and matching, Vendor payouts. Stigg covers Real-time credit enforcement, Financial-grade credits, High-scale metering, Budget governance.

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.

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
Kodo: Is pricing published?

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

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
Kodo: Does Kodo work outside India?

No meaningful coverage outside India for card issuing or payouts.

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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