Compatible with all Banks

Link and access all your bank accounts within the country on our platform with single sign in.

Wire transfer

Link all your current accounts, saving accounts and bank overdrafts that you have with every bank to Xpentra and pay your vendors using wire transfer as well as complete internal transfers between them. No need to login into each NetBanking portal anymore!


With the in-house built Android app and web app on iOS, you can avail all the functionality of the website on your phone. Create, approve and view vendor accounts as well as transactions on the move with the level of security that best suits you.

360° Security

Xpentra allows you to restrict or secure functions of or platform with an OTP/fingerprint/location. If you want to make sure only certain people access details of a transaction even if they can view it then you can restrict details with an OTP allowing selective access to details of the transactions.

Authorisation and automation

Xpentra utilises an authorisation matrix that can be customised to your organisational needs. Authorisation matrix allows you to assign roles for transaction approval based on transaction value and assigned level of the user. Users can be assigned levels and roles that would enable them to create, approve and settle transactions. Matrix can be customized to enable you to auto-approve your transactions based upon your vendors or transaction value. Let's take a transaction that requires approval from two senior executives and is created by an intern. If the matrix is set to receive approval from both the senior executives then the intern would require approval of both the senior executives to proceed. Settlement can then be assigned to a third employee who is only responsible for settlements.


Define users, roles, grades as per the company requirements.

Real-time Vendor Verification

Instant PAN verification and account verification at the time of vendor creation acts as a check to ensure the details are correct without exposing the data to a third party. This prevents the possibility of human errors and frauds while minimizing failed transfers and reversals.

Transaction Analytics

Understand your expenditure with the help of transaction analytics to get insights of your cash flow. For example, if you want to understand your expenditure for a specific vendor and duration you can use MIS report.

Transaction timeline

Monitor your transactions as they go through the process of approval followed by settlement. Transaction timeline shows you the current status of a transaction. For instance if the vendors haven't received the payment then you can track at what stage has the transaction reached.

Get instant notifications

Maybe you want to be notified when a transaction needs your approval, or maybe you created a transaction and want to be notified when the payment has been processed. Our platform delivers real time notification for all such scenarios.

Make Utility Payments

Make Utility payments for your business using a variety of payment options available with the ability to configure separate methods of payments for different utilities. Standing instruction capability can also be set-up to ensure these periodic payments are made on time so as to ensure smooth flow of your business. For example, if you have rent payment scheduled for the end of the month, with standing instructions you can create a recurring payment to the landlord's account and rent payment gets credited to the landlord's account automatically on the day of payment.

Notify Vendors

Notify vendors once payment has been initiated with payment advice capturing all payment details upon settlement.

Multi-Factor authentication modules

All the service modules within Xpentra can be secured with two factor authentication for an added level of security. This add-on would allow you to restrict or secure areas of Xpentra with an OTP. If you want to make sure only certain people access details of a transaction even if they can view it then you can restrict details with an OTP allowing selective access to details of the transactions.

Receivables Solution

Accept payments from customers using 100+ payment options through multiple partnered gateways enabling you to take advantage of higher success rate and competitive costs.

30+ days interest free credit

When you pay using a credit card on Xpentra, the vendor receives your payment in a short time while the money will leave your bank in 30+ days giving you flexible use of the available cash. Assume you have a card with a credit period of 45 days, any payments made to the vendor within that period are interest free until the payment due date when the amount must be settled. You can enjoy upto 45 days of free credit period as compared to credit line/overdraft facility when using a credit card on Xpentra.

Cost of credit card transaction

For vendor payments using a credit card, the cost of transaction can be setup differently for each vendor so that either the vendor bears the cost, you bear the cost or it is split between the two in any proportion you agree.

ERP link

Xpentra can link with your ERP to automate transactions, we can manage your transaction receiving instructions from your ERP with minimal human intervention. Let's take a scenario where ERP and Xpentra are linked for the highest level of automation. ERP will prepare and send data feed to Xpentra for transaction processing and Xpentra will send a reverse feed to ERP with all the transaction details.