CTRLPay by Mswipe vs PayPoint Business

CTRLPay – Smart Wallet for Business & Family Spends CTRLPay is a smart digital wallet that helps businesses and families manage spending with complete control, real-time visibility, and zero reimbursement hassles. Whether you are managing employee expenses, individual or household spendings, CTRLPay brings all payments into one simple, secure, and organised wallet. Pay anywhere with UPI QR, set spending controls, and track expenses effortlessly. For Businesses Simplify employee expense management and eliminate manual reimbursements. Key Features • Business Wallet – Create a dedicated wallet for company expenses • Add Employees as Users – Authorize employees to make payments • UPI QR Payments – Pay at any UPI-enabled merchant • Spend Controls – Set limits by employee, category, or amount • No Reimbursements – Employees pay directly from the wallet • Real-Time Visibility – Track spending by employee, merchant, or category • Finance Dashboard – Review transactions and supporting documents • Expense Categorisation – Automatic tagging using merchant categories (MCC) • Accounting Integration – Export or sync data with tools like Tally and Zoho • Audit Ready Records – Permanent transaction records for compliance Perfect for managing expenses like: • Travel • Meals • Client meetings • Field expenses • Petty cash For Families Manage household spending in a simple and organised way. Key Features • Family Wallet – One wallet for shared household expenses • Add Family Members & Helpers – Drivers, house help, or children can pay when needed • UPI QR Payments – Pay anywhere UPI is accepted • Spending Controls – Set limits for each family member • Child Safety Controls – Allow payments only to approved merchants (e.g., school canteen, bus service) • Clean Expense Tracking – Separate household spending from your bank account • Smart Reports – Track daily and monthly family expenses by member or category No more cluttered bank statements or guessing where money was spent. Why CTRLPay? One wallet for business and family spending Pay anywhere using UPI QR Complete control over who spends and how much Real-time reports and insights No expense claims or reimbursements Clean records for accounting and tax filing Perfect For • Businesses managing employee expenses • Startups replacing corporate cards • Families managing household spending • Parents monitoring children’s spending • Households managing helpers and drivers Spend with Control. See Everything. Reconcile Nothing. CTRLPay replaces cards, cash, and claims with real-time control, visibility, and automation—making spending simple for businesses and families alike.

United PayPoint, is a Namibian financial technology company offering payment systems and financial services. United PayPoint is one of Namibia’s first FinTech’s to offer mobile money platform (e-money); enhancing the way people send and receive money with our fast, secure, and convenient services. Backed by a growing network of agents across the country, United PayPoint ensures easy registration, deposits, and withdrawals. With Merchant Payment, customers can effortlessly pay for goods and services at numerous merchants nationwide, eliminating the need for physical cash. Driving Namibia towards a modern cashless society and contributing to advancing the nation's financial ecosystem and the Central Banks goals of serving the banked and unbanked market. United PayPoint is a subsidiary of UAG Investments, a leading Namibian conglomerate operating in various industries. United PayPoint is licensed as a Payment Services Provider with authorization to issue e-money from the Bank of Namibia (BON). The stringent requirements and compliance governed by Bank of Namibia ensures that United PayPoint’s platform is reliable and trustworthy.