Modules
Spend & Cards
Payables & Compliance
Intelligence & Platform
MyVyay 3.0 — AI-native platform
It doesn't just automate — it thinks, enforces policy, and posts to your ERP on its own.
SOC 2 Type II · ISO 27001 · Residency in 4 regions
Trusted by finance teams at 500+ enterprises
01Platform
Each module is AI-native, self-learning, and fully configurable — deploy independently or as an integrated suite. All five share the same policies, approvals, and ERP sync.
From receipt to reimbursement in minutes, not weeks.
Employees capture expenses on WhatsApp the moment they happen. Agentic AI validates every claim against policy before it reaches an approver, routes it automatically, and reimburses in days — not the industry-standard fifteen.
Full control over every rupee of petty cash, at every location.
Manual cash registers are where money quietly leaks — no live trail, no central visibility, reconciliation that eats finance's week. MyVyay digitises every float into one real-time ledger, captured on WhatsApp, reconciled automatically.
Turn your AP team from data-entry clerks into strategic finance partners.
Invoices arrive from ten different inboxes, WhatsApp, and postal mail — and finance keys every field by hand. MyVyay captures invoices from any channel, validates GST and matches them against POs automatically, and posts clean entries to your ERP.
From purchase request to vendor payment — controlled, visible, and optimized.
Maverick buying, invisible committed spend, and PO approvals stuck in email chains. MyVyay closes the loop — every purchase is budget-checked before commitment, three-way matched automatically, and paid on time.
Issue, control, and reconcile corporate cards in real time — not at month end.
Corporate-card reconciliation is a month-end nightmare, and cash advances are black holes that never fully come back. MyVyay issues physical and virtual prepaid cards with real-time controls, so every rupee is tracked the moment it's spent.
02Intelligent agents
Seven specialised AI agents collaborate to automate your entire spend workflow — each learns, adapts, and makes decisions autonomously, with people staying in control of every exception.
Automates setup of approval hierarchies, policy rules, GL mappings, and organisational structures.
Enforces spending limits, travel policies, and compliance rules in real time.
Extracts vendor, date, amount, tax, and line items with 99%+ accuracy.
Intelligently routes expenses and invoices through multi-level approval chains.
Detects anomalies, duplicate claims, policy violations, and potential fraud in real time.
Automatically maps and posts approved transactions to your ERP or accounting system.
Generates spend analytics, cost-optimisation recommendations, and predictive budget insights.
03 How it works
Every document follows the same four-step journey — measured in seconds, not days.
Receipts and invoices arrive from mobile, email, WhatsApp, or vendor portals. AI reads every field in seconds.
Policy checks, tax validation, duplicate screening, and fraud models run on 100% of documents at ingestion.
Clean, low-risk items auto-approve. Exceptions route to the right person with full context, on any channel.
Coded transactions post to your ERP in real time. Reimbursements and vendor payments execute on schedule.
04Capabilities
Policy engine, AI OCR, fraud detection, corporate cards, and more — the underlying capabilities every module in the platform is built from.
Your expense policy, enforced in real time — not at audit.
ExploreNative, real-time sync with the systems your ledger lives in.
ExploreThe right approver, with the right context, in seconds.
ExploreThe entire expense workflow, in your employees' pockets.
ExploreEnterprise-grade security, verified by independent audit.
Explore12ROI
Drag the sliders. The savings model updates live — processing cost, invoice automation, and recovered leakage.
Estimated annual savings
$521,000
Conservative model based on published industry benchmarks and customer medians. Your demo includes a tailored calculation.
11Integrations
Certified ERP connectors, accounting sync, and collaboration-native approvals — plus open APIs for everything else.
ERP
SAP
Certified bi-directional integration with SAP ECC and S/4HANA for master data, cost objects, and real-time journal posting.
ERP
Oracle
Pre-built connectors for Oracle Fusion Cloud and E-Business Suite covering payables, GL, and supplier master sync.
ERP
Microsoft Dynamics 365
Native integration with Dynamics 365 Finance & Operations and Business Central for end-to-end payables flow.
ERP
NetSuite
SuiteApp-based connector syncing subsidiaries, classes, departments, and posting vendor bills and expense reports natively.
Accounting
Tally
Deep TallyPrime integration built for Indian enterprises — vouchers, ledgers, and GST data flow both ways.
Accounting
Zoho Books
Two-way sync with Zoho Books for bills, expenses, chart of accounts, and vendor records.
Accounting
QuickBooks
QuickBooks Online integration keeping vendors, classes, and expense transactions in continuous sync.
Accounting
Xero
Certified Xero integration posting coded spend and reconciling against bank feeds automatically.
Collaboration
Slack
Approve expenses, receive alerts, and query spend without leaving Slack.
Collaboration
Microsoft Teams
A full approval and notification experience inside Teams, with adaptive cards and SSO.
Collaboration
Google Workspace
Gmail-based receipt forwarding, Google SSO, and Drive export for evidence packs.
Collaboration
Microsoft 365
Outlook receipt capture, Entra ID SSO with SCIM, and Excel-native reporting connections.
Collaboration
Verified WhatsApp Business integration for zero-training expense capture and approval notifications.
Connectivity
REST API
A complete, documented REST API covering every object in the platform — build anything the connectors don't cover.
Connectivity
Webhooks
Real-time event streams for approvals, postings, payments, and policy events into any system.
Connectivity
CSV / SFTP
Scheduled file-based exchange for systems that speak batch — with validation and error reporting built in.
ERP
Workday
Connects T&E claims and reimbursements to Workday Financial Management and HCM records.
ERP
Coupa
Syncs purchase orders, invoices, and supplier records with Coupa's procurement platform.
ERP
SAP Ariba
Bridges MyVyay's procure-to-pay workflow with Ariba's sourcing and supplier network.
Connectivity
GSTN APIs
Real-time validation of GSTIN, HSN codes, tax rates, and IRN numbers directly against government GSTN APIs.
Connectivity
Visa / Mastercard PPI Networks
Card issuance and real-time transaction feed for MyVyay's corporate prepaid card programme.
Accounting
Busy Accounting
Petty cash and expense posting for Busy Accounting Software, popular with Indian SMBs.
06Security
Financial data demands bank-grade protection. MyVyay is engineered, operated, and independently audited to provide it.
Independently audited controls, refreshed annually.
AES-256 at rest, TLS 1.3 in transit, HSM-backed keys.
SAML/OIDC sign-on with automated user lifecycle.
Field-level, entity-scoped access control.
Tamper-evident trails, streamable to your SIEM.
India, EU, US, and Singapore regions — your choice.
05Global compliance
GST, VAT, e-invoicing mandates, per-diem tables, and data-residency rules — handled natively, per region.
10Industries
MyVyay adapts to your industry's spend workflows and compliance needs.
Complex multi-plant, multi-entity expense tracking.
MyVyay streamlines cross-entity approvals and provides consolidated visibility.
High-volume petty cash and vendor payments.
Automates capture, reduces cash leakage, and provides real-time visibility across outlets.
Strict compliance requirements and regulatory audit trails.
Intelligent AI enforcement ensures adherence with complete audit trails.
Project-wise expense tracking for distributed teams.
Automates travel claims and multi-currency reimbursements.
Fleet, fuel, and on-ground expenses.
GPS-based tracking, automated per-diem, and real-time dashboards.
Enterprise-grade security needs.
Role-based access, encrypted data, and regulatory-compliant audit trails.
All industries we serve
1107Customer success
Not feature praise — operating results, in their own words.
“We processed 40,000 expense reports last year with a team of three. Before MyVyay it took eleven people — and the books still closed late.”
Priya Sharma
VP Finance Shared Services · Global engineering conglomerate
“The policy engine changed employee behaviour in a month. Out-of-policy claims didn't get caught — they stopped being filed.”
Daniel Wright
Group Financial Controller · European logistics group
“Fraud screening on every single document found leakage our sample audits had missed for years. It paid for the platform in the first quarter.”
Fatima Al-Rashid
Head of Internal Audit · GCC retail holding
“Our SAP posting used to be a nightly batch and a morning of fixes. Now it's real time, and reconciliation is a non-event.”
Thomas Müller
Director of Finance Transformation · German industrial manufacturer
“Field engineers file expenses over WhatsApp from sites with barely any signal. Adoption was instant — there was nothing to teach.”
Ananya Reddy
CFO · Infrastructure services company
“I ask the analytics module questions the way I'd ask an analyst — and get answers grounded in our ledger, with the drill-down to prove it.”
James Okafor
Chief Financial Officer · Multinational technology services firm
08Case studies
Three deployments, three industries — the pattern is the same: control up, cost down, close faster.
A multi-plant manufacturer unified procurement and AP across SAP and Tally entities, taking invoice matching touchless and closing books five days earlier.
“The ERP mess stopped mattering. One discipline, every plant.”
Budget-linked store cards and mobile capture replaced cash registers across 800 stores, giving head office same-day visibility of every store's spend.
“Month-end just… happens now.”
Driver advances, fuel, and toll expenses moved to WhatsApp capture with automated trip coding — collapsing settlement from a week to same-day.
“Advances close the day the truck returns.”
09Before / after
The honest comparison every automation business case starts with.
| Dimension | Manual process | With MyVyay |
|---|---|---|
| 01 Expense filing | Spreadsheets, lost receipts, 20+ minutes per report | Snap, send, done — under a minute, any channel |
| 02 Policy enforcement | Caught at audit, weeks after the money is spent | Blocked or flagged at submission, before it enters the books |
| 03 Invoice processing | Manual keying, ~$12–15 per invoice, frequent errors | AI extraction and three-way match — 85% touchless |
| 04 Fraud control | Sample-based audits covering 2–5% of spend | 100% of documents screened with explainable AI |
| 05 Approvals | Email chains, chasing, week-long cycles | One tap from Slack, Teams, WhatsApp, or mobile — hours, not weeks |
| 06 ERP posting | Batch uploads, re-keying, reconciliation breaks | Real-time, coded, validated posting to your ERP |
| 07 Visibility | Known at month-end close, weeks in arrears | Live — committed and actual spend visible today |
| 08 Close impact | Finance chases documents for the first week of every month | Books effectively closed as transactions happen |
FAQ
Straight answers — the same ones we give in evaluations.
13Insights
Guides, benchmarks, and practitioner playbooks from the MyVyay team.
A practical definition of AI expense management, how it differs from legacy tools, what it costs to run without it, and how to evaluate platforms.
Ananya Iyer ·
What AP automation actually automates, the benchmarks that justify it, and a phased rollout plan that doesn't disrupt vendor payments.
Rohan Deshmukh ·
What three-way matching is, why it's the single strongest payables control, where manual matching breaks, and how AI makes it touchless.
Rohan Deshmukh ·
Get started
See MyVyay run against your policies, your ERP, and your document types — in a 30-minute working session.
2–4 week implementation · No lock-in · Priced per active user