CTRLPay by Mswipe vs Hisab

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.

Hisab (हिसाब) turns the statements you already download into a clear picture of your money — without your data ever leaving your phone. Import transaction exports from Google Pay, Paytm, or BHIM, and bank statements from HDFC Bank or IDFC FIRST Bank (PDF, XLSX, XLS, or TXT — password-protected PDFs supported). Hisab parses them deterministically and builds your personal bahi-khata: • MONTHLY BUCKETS — every statement lights up the months it covers; a yearly statement fills twelve at once. See at a glance which months still await which statement. • RECONCILIATION — every app payment is matched against your bank statement by UPI reference. Instantly see which payments the bank confirms, which are missing, and what you spent outside the apps. • NO DOUBLE COUNTING — re-import a statement, import overlapping periods, or the same statement in two formats: transaction identity guarantees zero duplicates. Bank rows matched to app payments count once. Transfers between your own accounts are excluded automatically. • ANALYTICS — monthly spend, income and net, six-month trend, category breakdown with editable rules, top merchants. Amounts in proper Indian notation (₹1,23,456.78). • PRIVATE BY ARCHITECTURE — no account, no network access, no analytics, no tracking. Your financial data stays in the app's private storage on your device. The entire app is open source (Apache-2.0). Made for India's statement formats. Missing your bank? The parser framework is open — contribute one on GitHub.