RecommendedMade in India
Starts at
₹79 · per user per month, Standard billed annually, excl. GST
Zaggle
by Zaggle Prepaid Ocean Services · Hyderabad, Telangana · Since 2011
Prepaid cards, expense and employee benefits platform.
- Starting price
- Price on request
- Programme pricing quoted after a demo
- Free trial / plan
- Not advertised
- Deployment
- Cloud
- Web
- App Advisor rating
- 4.4
- transparency & India fit
What is Zaggle?
Zaggle, from Zaggle Prepaid Ocean Services Limited, is a spend-management company that mixes software with payment cards. Its line-up covers employee travel and expenses, flexi benefits and tax-saving allowances, procure-to-pay under the Zoyer brand, recurring business expenses, channel partner rewards, fleet management and tax filing, all tied to prepaid, closed-loop and commercial credit cards issued with 19 bank partners. Zaggle reports 4,000+ corporate customers, 4 million+ users and more than 50 million cards issued.
The strongest use case in India is the combination of a benefits card and an expense app. HR sets meal, fuel, gift and travel allowance limits from one dashboard, employees spend them on the Zinger multiwallet card (VISA and RuPay variants) at matching merchants, and finance gets downloadable reports for payroll and audit. On the expense side, employees can file claims through WhatsApp, where AI reads up to 20 receipts at once, flags duplicates and checks policy before the claim reaches the Zaggle dashboard.
The trade-off is that Zaggle is a card-and-programme business first. You are buying into its card issuing and bank partnerships, which is great if you want tax-saving allowances but less useful if you only need software to approve reimbursements paid through your own bank. The website names HRMS and accounting integrations only in general terms, with no published connector list, so ask which payroll and accounting systems are supported out of the box.
Zaggle does not publish prices or offer a self-serve trial. Every product page ends in a demo request, and commercial terms are agreed per programme. On security, Zaggle lists ISO/IEC 27001, ISO 9001, PCI DSS, SOC 1 Type 2 and SOC 2 Type 2, and says its benefits workflows are RBI- and CBDT-aligned. Mid-size and large Indian employers with hundreds of staff on flexi benefits will get the most from it.
What works well
- +Flexi benefits, expense claims and prepaid cards are run from one programme
- +Zinger multiwallet card handles meal, fuel, gift and travel allowances separately
- +WhatsApp expense filing lets staff submit up to 20 receipts in one go
- +AI flags receipts that have already been claimed, cutting duplicate reimbursements
- +Security list includes PCI DSS, ISO/IEC 27001 and SOC 2 Type 2
- +Self-booking of flights, hotels and transport with policy checks before travel
- +Customer support by phone on 1860 500 1231, Monday to Saturday, 10 AM to 7 PM
What to watch out for
- −No public pricing, so comparison requires a demo and a custom proposal
- −No free plan or self-serve free trial is offered on the website
- −HRMS and accounting integrations are described only generically, without named connectors
- −Value depends on adopting Zaggle cards, which not every company wants
- −The product range is wide and split across brands such as Save, Zoyer and Propel
Best suited for: Indian employers offering tax-saving flexi benefits like meal and fuel allowances · Companies with travelling staff that want booking, claims and reimbursement in one place · Finance teams wanting prepaid or commercial cards linked to expense policy · Businesses running channel partner or employee reward programmes
Zaggle at a glance
Analysing Zaggle — pricing, features, reviews and alternatives…
Generated by App Advisor's native engine from this listing's verified data — not a paid placement.
Zaggle features
Researched from Zaggle's official product pages · updated October 2026.
Travel and expenses
- Self-booking of flights, hotels and transport
- Travel requests with budgets and policy checks
- Digital claim submission and approval
- Automated reconciliation and reimbursement
- Real-time expense tracking
WhatsApp and AI capture
- AI receipt reading and categorisation
- Up to 20 receipts per submission
- Duplicate receipt detection
- Draft saving and approval status tracking in chat
Employee benefits
- Tax-saving flexi allowances
- Policy-driven limits, categories and eligibility
- Corporate device leasing programmes
- Health services
- Downloadable payroll and audit reports
Cards
- Zinger multiwallet card for meal, fuel, gift and travel
- Prepaid cards on VISA and RuPay
- Commercial credit cards
- Closed-loop and gift cards
- Forex services
Procure-to-pay (Zoyer)
- Vendor onboarding
- Invoice approval workflows
- Purchase orders and GRN generation
- Three-way matching and reports
AI capabilities
- AI reads receipts sent on WhatsApp and fills expense details
- AI duplicate-receipt detection
Zaggle pricing (INR)
SourceEvery edition as published by the vendor. Prices exclude GST unless stated. Full Zaggle pricing breakdown
- • Zaggle publishes no prices; every product page leads to a demo or quote request
- • Programmes combine platform software with prepaid, closed-loop or commercial cards, so card terms form part of the proposal
- • Ask whether GST is included and how card issuance and reload fees are charged
Buying for a team? App Advisor can get you a volume quote and any partner discount available.
Integrations, security & India
Integrations
- WhatsApp (expense filing)
- HRMS systems (unnamed)
- Accounting systems (unnamed)
- TaxSpanner
- 86400 (Mobileware Technologies)
- VISA and RuPay card networks
Security & compliance
- ISO/IEC 27001
- ISO 9001
- PCI DSS
- SOC 1 Type 2
- SOC 2 Type 2
- RBI- and CBDT-aligned benefit workflows with digital audit trails
For Indian businesses
- Benefits cards come in VISA and RuPay variants accepted across Indian merchant categories
- Allowance workflows are described as aligned with RBI and CBDT rules, with tax-saving limits under the new income tax regime
- Zaggle's ecosystem includes TaxSpanner for corporate tax, GST, TDS and employee ITR filing
- Indian customer logos include Cyient, V-Mart and Scaler
- Phone support runs on an Indian 1860 number from Monday to Saturday
Mobile apps
The app handles expense reports with bill attachments, allowance balances, card blocking and PIN changes, Propel reward redemption, gift cards and Zoyer vendor payments.
What reviewers say about Zaggle
Scores published on independent review sites — follow the links for the full reviews.
Support, resources & partner network
Support & learning
- Phone support on 1860 500 1231, Monday to Saturday, 10 AM to 7 PM
- WhatsApp contact listed on the website
Trust, compliance & who uses Zaggle
4,000+ corporate customers
Customers
4 million+
Users covered
Is Zaggle the best choice for you?
Best choice if you are…
- Indian employers offering tax-saving flexi benefits like meal and fuel allowances
- Companies with travelling staff that want booking, claims and reimbursement in one place
- Finance teams wanting prepaid or commercial cards linked to expense policy
- Businesses running channel partner or employee reward programmes
Look elsewhere if you are…
- Small teams that only need a simple reimbursement app with transparent monthly pricing
- Companies outside India, as the allowances and compliance are built around Indian tax rules
Still comparing? Get an unbiased shortlist and demos arranged for free.
Sources (4) · updated October 2026
Specifications
- Category
- Expense management software, Employee benefits & engagement
- Vendor
- Zaggle Prepaid Ocean Services
- Headquarters
- Hyderabad, Telangana
- Founded
- 2011
- Pricing model
- Quote-based
- Starting price
- Price on request · Programme pricing quoted after a demo
- Deployment
- Cloud
- Platforms
- Web
- Best for
- Mid-market, Enterprise
- Made in India
- Yes
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Zaggle — frequently asked questions
What does Zaggle cost in India?+
Zaggle does not publish prices for its expense, benefits or procure-to-pay products. Each product page leads to a demo request, and the commercial terms are agreed per programme, often linked to the number of employees and cards issued. Ask the Zaggle sales team for a written INR proposal that shows card fees, platform fees and whether GST is included.
Does Zaggle have a free plan or free trial?+
Zaggle does not offer a free plan or a self-serve free trial on its website. The buying process starts with booking a demo, after which Zaggle sets up a programme for your company. If you want to test the WhatsApp expense filing or the Zinger card first, ask for a pilot with a small group of employees before a full rollout.
What is the Zaggle Zinger card?+
The Zinger card is Zaggle's multiwallet employee card. It holds separate meal, fuel, gift and travel allowances, each spendable at matching merchants across India. Through the Zaggle app employees can check balances and past transactions, block a lost card and set or change PINs. Cards linked to the app can also be used to submit expense reports with attached bills.
Can employees file expenses on WhatsApp with Zaggle?+
Yes. Zaggle's travel and expense product lets employees send receipts over WhatsApp, where AI reads them, picks categories and fills in details. Up to 20 receipts can go in one submission, drafts can be saved, and the same company policies and approval flows apply. Filed expenses sync to the Zaggle dashboard, and duplicate receipts are flagged automatically.
Is Zaggle secure for company and employee data?+
Zaggle lists ISO/IEC 27001, ISO 9001, PCI DSS, SOC 1 Type 2 and SOC 2 Type 2 on its website, which covers both information security and card payment data standards. Its benefits workflows are described as RBI- and CBDT-aligned with digital audit trails. Request the current certificates and audit reports during procurement, as with any card-linked vendor.
Does Zaggle have a mobile app?+
Yes. The Zaggle app is on Google Play and the Apple App Store, where the iOS listing showed a 4.2 rating from about 4,100 ratings when checked. Employees use it for expense reports, allowance balances, card controls, Propel reward redemption and gift cards. The app also includes Zaggle Zoyer for vendor onboarding, purchase orders, GRNs and three-way matching.
How is Zaggle different from Happay or Fyle?+
Zaggle's main difference is that it pairs its software with its own prepaid, closed-loop and commercial card programmes, issued through 19 bank partners. That makes it strong for tax-saving flexi benefits and allowance cards. Pure expense software such as Fyle focuses on reimbursement workflows with existing company cards. Choose Zaggle if benefits cards are part of what you need.
Which systems does Zaggle integrate with?+
Zaggle says its travel and expense product integrates with HRMS and accounting systems, and it connects to WhatsApp for expense filing. Its wider ecosystem includes TaxSpanner for tax filing and 86400 (formerly Mobileware Technologies). The website does not publish a named list of payroll or accounting connectors, so confirm your specific system with Zaggle during the demo.
How big is Zaggle?+
Zaggle reports more than 4,000 corporate customers, over 4 million users and more than 50 million cards issued, working with 19 bank partners. Customer logos on its site include EPAM, Cyient, V-Mart, SHRM, Scaler and Subway. This scale matters for card-based programmes, because benefits and expense cards depend on stable banking relationships.
What is Zaggle?+
Zaggle is expense management software by Zaggle Prepaid Ocean Services, an Indian company from Hyderabad. Prepaid cards, expense and employee benefits platform.
How much does Zaggle cost?+
Zaggle Prepaid Ocean Services publishes: Price on request · Programme pricing quoted after a demo. Confirm current plans and taxes on the official pricing page.
Does Zaggle offer a free trial or free plan?+
Zaggle does not advertise a free plan; ask the vendor for a trial or a guided demo.
Is Zaggle made in India?+
Yes. Zaggle is built by Zaggle Prepaid Ocean Services, headquartered in Hyderabad, Telangana.
Who is Zaggle best suited for?+
Zaggle suits mid-market, enterprise buyers looking for expense management software with employee benefits & engagement.
What are the best alternatives to Zaggle?+
Popular alternatives in expense management software include Zoho Expense, Karbon Business, Kodo. Use App Advisor's compare tool to see them side by side.
How is Zaggle deployed?+
Zaggle is available as a cloud (SaaS) product, with web access.
About Zaggle Prepaid Ocean Services
Zaggle Prepaid Ocean Services · Hyderabad, Telangana · Founded 2011 · 1 product in our catalogue · Indian company
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