CTRLPay by Mswipe vs Finzo Money

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.

Finzo is a simple spending tracker for India. It turns your bank debit SMS into a clear picture of where your money goes-without linking your bank account or sharing login credentials. HOW IT WORKS • Your bank sends a debit SMS when you pay via UPI, debit card, or net banking • Apple Shortcuts forwards only those debit messages to Finzo (SMS must include the keyword "debited") • Finzo reads the amount, merchant, and category so you can see spending at a glance WHAT YOU GET • Home dashboard with this month’s spend and insights • Full transaction list with smart categories (food, transport, shopping, and more) • Top merchants and weekly spending patterns • Budgets to stay on track • Ask Finzo AI questions about your spending in plain English PRIVACY FIRST • No bank password or net banking login • You control the Shortcuts automation-you can turn it off anytime • Optional Face ID lock on your device • Delete your account and data from the app Built for everyday UPI and bank debit tracking. Finzo works best after a quick one-time Shortcuts setup-FAQ and step-by-step guide included in the app. Questions? finzodotmoney@gmail.com Support: https://finzo.money/support Privacy: https://finzo.money/privacy