Module 01 · Product portfolio
T&E Management
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.
Quick answer
MyVyay T&E Management is an AI-native travel & expense platform built for 200–5,000 employee companies. Employees photograph a receipt on WhatsApp; AI extracts vendor, amount, date and tax, checks it against policy in real time, and routes it for approval. Customers see roughly 80% faster processing, a 99%+ policy compliance rate, and reimbursement in 2 days versus a 15-day industry average.
T&E Management
The problem
Does this sound familiar?
Finance team drowning in manual reconciliation
Employees submit expense reports weeks late; finance spends 50+ hours a month chasing receipts and re-keying data.
Policy violations discovered after the fact
Approvers approve blindly. Violations surface — if at all — during audit, long after the money is reimbursed.
No real-time visibility into travel spend
By the time month-end reports are ready, budget overruns have already happened and it's too late to course-correct.
Slow reimbursements hurt employee morale
Employees wait 15–30 days to be reimbursed — a real retention and satisfaction issue for frequent travellers.
The MyVyay way
AI that enforces policy before the fact, not after
End-to-end travel and expense management — from trip request to reimbursement — powered by AI that understands your policies and enforces them automatically.
WhatsApp expense capture
Employees submit expenses with a photo — no forms, no app downloads.
AI policy check
Every claim is validated against per-diem, vendor and category rules before submission.
Instant reimbursement
Approved claims batch straight into a bank file or push to payroll — no manual intervention.
End-to-end process
How it works
Capture via WhatsApp
Employee photographs the receipt and sends it. AI extracts vendor, amount, date, tax and category instantly.
AI policy check
Agentic AI validates the claim against per-diem limits, approved vendors and category rules before it's submitted.
Auto-routed for approval
Claim routes to the right approver based on amount, department and delegation rules.
Instant reimbursement
Approved claims batch into a bank payment file or push via API to payroll/ERP — no manual step.
Approvers act on mobile; violations are flagged before submission, not caught at audit.
Product preview
Real-time visibility, not a month-end report
- $124K
- Total spend this month
- 94%
- Policy OK
- 3 min
- Avg. claim submission time
| Employee | Type | Amount | Status |
|---|---|---|---|
| Flight BOM–DEL | Travel | $18,500 | Approved |
| Hotel — ITC Grand | Lodging | $12,800 | Pending |
| Client Dinner | Meals | $4,200 | Approved |
- AI-approved claims post in seconds with a visible policy-check trail
- Approvers act from mobile — no laptop required
- Live spend by category, trend, and cost centre
- Every claim carries a timestamped audit trail
Product preview
Employee experience
No app, no training — employees submit expenses on WhatsApp in under 3 minutes.
- Send me your receipt 📎
- [Hotel receipt image]
- Hotel — ITC Grand · ₹12,800 · GST extracted. Checking policy…
- Within per-diem ✓ Routed to your manager for approval.
- 1
Upload a bill or invoice. Photo or upload directly on WhatsApp — no app download needed.
- 2
AI reads & classifies. Vendor, amount, date and tax extracted; expense type classified; policy checked.
- 3
Booked & routed. Expense is booked, GL-coded, and routed for approval automatically.
- 4
Reimbursed in days. Approved claims post to payroll or a bank file — 2 days versus a 15-day industry average.
Capabilities
What's inside T&E Management
WhatsApp expense capture
Employees submit expenses via WhatsApp with a photo — no forms, no app downloads required.
Travel request & itinerary management
Raise travel requests, get approvals, book travel, and manage itineraries in one workflow.
Advance & settlement management
Issue travel advances digitally, auto-reconcile against submitted expenses, and settle automatically.
Multi-level approval workflows
Configure hierarchies by amount, department, expense type or business unit, with escalation and delegation.
Mileage & GPS tracking
Calculate mileage via GPS, geo-fencing, or odometer readings and auto-apply per-km rates.
Per diem management
Configure per-diem rates by city tier, duration and grade; auto-calculate entitlement against actuals.
Who benefits
Built for every stakeholder
Employee
Submits expenses via WhatsApp in under 3 minutes and tracks reimbursement status in real time.
Team Manager
Reviews and approves team expenses on mobile, with alerts for policy exceptions.
Finance Controller
Monitors total T&E spend against budget in real time and generates audit-ready reports in one click.
Travel Desk
Manages travel requests, vendor bookings and advance settlements from a single dashboard.
Auditor
Accesses the full audit trail, policy-exception reports and transaction history for any period.
Agentic AI
Specialised AI agents do the heavy lifting
MyVyay's agentic AI doesn't just surface insights — it takes actions on your behalf, enforces policy, and eliminates manual work at every step.
Auto-extraction
Vendor, amount, date, and GST/TDS pulled from any receipt format.
Smart categorisation
Expense category suggested from merchant name and description.
Policy enforcement
Compliance checked before submission — blocks or flags violations.
Intelligent routing
Approval chain selected by amount, department, and delegation matrix.
Duplicate detection
Every claim cross-checked against open and historical claims.
Human-in-the-loop: agents recommend and seek approval — people stay in control of every decision.
Plug & play
Fits your finance stack in weeks, not months
Pre-built connectors mean no rip-and-replace.
SAP
Certified bi-directional integration with SAP ECC and S/4HANA for master data, cost objects, and real-time journal posting.
Oracle
Pre-built connectors for Oracle Fusion Cloud and E-Business Suite covering payables, GL, and supplier master sync.
Tally
Deep TallyPrime integration built for Indian enterprises — vouchers, ledgers, and GST data flow both ways.
Zoho Books
Two-way sync with Zoho Books for bills, expenses, chart of accounts, and vendor records.
QuickBooks
QuickBooks Online integration keeping vendors, classes, and expense transactions in continuous sync.
Xero
Certified Xero integration posting coded spend and reconciling against bank feeds automatically.
NetSuite
SuiteApp-based connector syncing subsidiaries, classes, departments, and posting vendor bills and expense reports natively.
Microsoft Dynamics 365
Native integration with Dynamics 365 Finance & Operations and Business Central for end-to-end payables flow.
Workday
Connects T&E claims and reimbursements to Workday Financial Management and HCM records.
Proven impact
What customers see after go-live
80%
Faster processing — weeks to days
₹0
Policy leakage reaching payout
3×
Finance productivity, same headcount
15→2
Days to reimburse
100%
Audit-ready, timestamped trail
Figures reflect aggregated customer outcomes; results vary by policy complexity and volume.
Commercials
Plans that scale with you
Startup
For lean teams getting started
₹100 /user/mo
- Up to 50 users
- WhatsApp receipt capture
- AI auto-categorisation
- Single-level approval
- Standard policy checks
- CSV export to accounting
- Email support
Growth
For scaling finance teams
₹150 /user/mo
- Up to 500 users
- Everything in Startup, plus:
- Multi-level approval routing
- Full agentic AI suite
- Mileage & per-diem management
- ERP integration (SAP/Tally/Zoho)
- Multi-currency & analytics
- Priority support
Enterprise
For large & multi-entity orgs
Custom
- Unlimited users
- Everything in Growth, plus:
- Whitelabel option + AMC
- Deep bidirectional ERP sync
- Custom workflows & SLAs
- Dedicated success manager
- Audit & compliance pack
- Single sign-on (SSO)
Pricing shown for India; other regions differ. Implementation: ₹50K–₹1L one-time, live in 1–3 weeks.
FAQ
T&E Management — frequently asked
Answers our solutions team gives in real evaluations.
Do employees need to download an app?
How are company policies configured?
How does it handle international travel and multi-currency?
Can it integrate with our existing ERP?
Platform
Other modules
Get started
Ready to transform your T&E Management?
See a live demo tailored to your industry and team size. Implementation takes 1–3 weeks.
2–4 week implementation · No lock-in · Priced per active user