Easebuzz Presentation 2023

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Corporate

Deck
2023

©2023 Easebuzz Pvt Ltd. All rights reserved. All trademarks, service marks and trade names referenced in this material are the property of their respective owners. This is privileged and confidential information.
About Us

Easebuzz is India’s leading


Payment Solutions Platform
enabling offline economy to shift from
paper to digital collections.

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©2023 Easebuzz Pvt Ltd. All rights reserved..


Vision & Mission

Vision
Building ecosystem of technology products and services to solve business
problems around payments and deliver through Low-Cost, High-Value Model.

Mission
To digitize the traditional offline economy and help businesses manage
receivables and payables from a single digital platform.

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©2023 Easebuzz Pvt Ltd. All rights reserved..


Our Strength

2014 85,000+ $8Bn+


Established Happy Merchants Annual GTV

400k+ 4
Transactions processed per day Our Offices
Pune-HQ, Mumbai, Gurugram, Bangalore

In-principle approval from Reserve


Bank of India (RBI) for Payment
Aggregator (PA) authorization

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©2023 Easebuzz Pvt Ltd. All rights reserved..


Some of our esteemed clients

Education Government E-commerce Healthcare Utilities NGO

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©2023 Easebuzz Pvt Ltd. All rights reserved..


Who we are

A fast-growing fintech player building solutions around financial ecosystem

We provide tech-based solutions to help businesses to enhance their earnings and transform the way businesses manage
their finance function.

Easebuzz

Size agnostic Sector agnostic and Building end-to-end Plug-and-play


customizable financial management
ecosystem
Large enterprises Education Easy integration
MSMEs BFSI Pay-ins & Pay-outs API-driven
New age startups E-Commerce Automated payment/collection Faster implementation
Real Estate reminders and reconciliations
Grocery Neo Banking
Utilities Digital Lending Stack
Government Expense Management
B2B Supply Chain Tax Management

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©2023 Easebuzz Pvt Ltd. All rights reserved..


What we do

Sector-agnostic solutions for industry-wide pain points

Lack of integrated and unified collections


Delayed collection cycles Poor checkout experience
and payout management tools

Full-suite offering - pay-in and


API-enabled checkout VAS - iframe,
collections capabilities, automated Standalone or integrated reminder-based
coupon management, product
payment workflows, card issuance, collection automation solutions
recommendations, etc.
lending

Challenging management information


Installing an ERP1 system is too costly Lack of "mix and match" solutions
systems and reconciliation procedures

Affordable service, fast implementation Highly customisable product suite with Simple API-based solutions facilitating
and easily integrated with existing ability to mix and match solutions and the automation of reconciliation
systems value-added services procedures

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©2023 Easebuzz Pvt Ltd. All rights reserved..


What we do

Sector-specific offerings
Education E-commerce Utilities

Complex integration of offline and online


Complex Fee Collection payments Challenging offline collection process
Long Collection Cycle
Management of multiple payouts

Education-specific reconciliation
solutions Reminder-based collection automation
Full-suite unified payments offering
solutions
Real time data and analytics

Insurance NBFC NGO

Reminder and refund processes Time-consuming and slippages in EMI


collection processes Challenging recurring donation collections
Time-consuming claim payout processes Cumbersome loan disbursements

Advanced payout management and Unified collection and subscription Recurring collection solutions over
automated reminder and reconciliation management tools multiple VAS offerings – Link, payment
solutions Seamless payouts with maker-checker pages, invoicing, etc.

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©2023 Easebuzz Pvt Ltd. All rights reserved..
Payment solutions crafted for varied business needs

Comprehensive Payment Solutions Platform

Education BFSI E-Commerce

• FeesBuzz • Auto-debit/ recurring suite: E-NACH, • Sub-aggregator (franchise model)


• Fee collection suite E-Mandate, and UPI 2.0 • Coupons, Cashbacks, & Discounts
• Lending API (Eduvanz, • EasyCollect • Split payments
Upwards) • InstaCollect (Virtual A/Cs) + ePOS • iFrame (seamless checkout with
• Forms with analytics • Account validation (penny drop, cancellation reason)
• Split payments Virtual Payment Address - VPA, Third
• EasyCollect Party Validation - TPV)
• Reminder based collections • Split payments
• DIY payment links and pages
• Brand coupons - 50% Cashback on
all payments

Real Estate Government B2B Supply Chain

• Forms with Analytics • SmartBilling • Teller – distribution chain solution


• InstaCollect (Virtual A/Cs) - IMPS/ • InstaCollect • Lending as a service (embedded
NEFT/ RTGS on collections • EasyCollect finance) – corporate cards, credit
• EasyCollect • Split payments line, revenue-based financing
• Challan-based system (receipt which
can be used in Bank for NEFT/ RTGS/
IMPS)

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©2023 Easebuzz Pvt Ltd. All rights reserved..


Easebuzz ecosystem

1 API / SDK power house

Cordova Flutter WordPress

React Native Xamarin Android

Shopify Tally GoLang

Zoho Java Javascript

.NET PHP ASP.NET

Python NodeJS Drupal

Capacitor JS Ruby and more

2 SAAS-based/ no code applications

3 Plug & Play products

4 Strong compliance

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©2023 Easebuzz Pvt Ltd. All rights reserved..


What our customers say about us

The development team at bigbasket found Easebuzz


payment solutions easy to use. The service quality is
We are very happy with
awesome and helped us save on the cost of operations.
Easebuzz service and find
Easebuzz brings value in terms of customer satisfaction
it easy-to-use not only George Francis
with its high success rates in processing payments and
from a business Marketing lead
also offered seamless integrated APIs.
perspective but also from bbdaily-bigbasket

a developers point of view.


We look forward to taking
this partnership further.
Our experience with Easebuzz Platform has been very
frictionless. We have seen exponential improvement in fee
collection cycle since the association with Easebuzz, as we
can now automate the student fee & hostel fee collection
Vaijanath Buradkar Dr. Biju G. Pillai course-wise and batch-wise. FeesBuzz Solution has also
CAFO - Maharashshtra Tourism Development Senior Director - IT & Admissions enabled us to get single point of access to information like
Corporation (MTDC) Sri Balaji University fee reconciliation, payment status, refunds etc.

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©2023 Easebuzz Pvt Ltd. All rights reserved..


Easebuzz
Products

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©2023 Easebuzz Pvt Ltd. All rights reserved..


What we offer

Tech-enabled customer-centric solutions deeply integrated with customers' businesses


API-driven software platform built for the offline to online (O2O) transformation of businesses.

Application Features
Investing in fewer accountants for
Forms FeesBuzz EasyCollect InstaCollect Slices Smart Billing Teller
reconciliations
Dynamic form Fee collection Reminder-based QR code based Split-payment Invoice Distribution
Auto reminders
builder with management tool collection tool collections collection tool Management Management
Instant reconciliations
analytics Solution Solution
1-click dashboard

Healthcare Education NBFCs Digital lending Healthcare Automotive Real-time data


Warehousing
Industry

Education Insurance Education Utility Education ISP Telecom In-depth analytics


Insurance E-ticketing Insurance E-ticketing ISP OTT Insurance 24*7 best-in-class industry support
Utility E-grocery ISP Quick integration

Customizable Reconciliation Automated Quick settlement Splitting and Spilt payment Entire supply chain
Benefits
USPs

drag and drop with fee breakup recurring bill of high value instant amount into on one platform
builder Automated payments ticket settlement for multiple Teller can be
URL/QR code reminders Manage advance Low-cost retailers instalments integrated with Tally 30-40% Reduction in costs
sharing Customized payment, collection payment Centralized Customized and (Accounting 60% + Improvement in collection cycle
Document reports and live and subscription collection solution pricing control Automated Software)
upload facility dashboard Customized Sharing and with aggregator reminders Full suite of financial applications
Integrated with collection page refund directly Clone of invoice Plug-and-play integration
Tally (Accounting and provision for from dashboard is possible Modular features
Software) cross-sell/upsell on Customized solutions
the payment page

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©2023 Easebuzz Pvt Ltd. All rights reserved..


Payment Gateway – With Best Success Rates

Payment Hosted Page

Payment Iframe Page

Works Seamlessly with

DEMO Link

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©2023 Easebuzz Pvt Ltd. All rights reserved..


Payment Link – Collect online payments instantly

Features

Generate payment links share via SMS, Email or WhatsApp.


Create & send customized Payment Reminders via SMS, Email,
WhatsApp or IVR.
Enable all payment sources including Credit & Debit cards,
NetBanking, UPI and mobile wallets.
Allow your customers to make partial payments online.

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©2023 Easebuzz Pvt Ltd. All rights reserved..


Wire Payout - Neo-banking solution for salary, vendor,
tax (GST) payments

Features

Add and activate beneficiary accounts instantly. Use our Bulk Upload feature to
add all your beneficiary accounts at once.

Send money to your beneficiaries using UPI, IMPS, NEFT or RTGS.

No need to process hundreds of transactions manually one by one. Just upload a


single sheet (bulk upload) and we will take care of processing all your
transactions and give you a detailed report of your processed transactions.

Your account comes with a complete account statement that will help you
keep track of all the credits & debits happening in your virtual account. On-
demand reports will help you get all the data you need for different departments.

You can create rules based on amount and transactions will go through only if it
gets all the approvals from the required member

Manage tax payments (GST), vendor, salary etc. payments directly from Wire
Works Seamlessly with dashboard

Upload money into a pool account or use Wire directly to debit money directly
from your Bank Account (connected banking)

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©2023 Easebuzz Pvt Ltd. All rights reserved..


FeesBuzz – Fee Management Overview API/ ERP integration

Fee Collection Management Tool used by educational institutions

Without FeesBuzz

Maintain Records Manual Follow up for Account for Manual


Collect Fees
of Students Reconciliation Collections Non-Digital payment Reconciliation

With FeesBuzz
Value Proposition
Auto Fees Digital Payment Reconciliation
Auto Reminders
Collection Management with link & Analytics
~15 Days reduction in
collection cycle

Key differentiators
Reconcile students with customised fee structure based on batch, course, reservation criteria, etc.
20% Less resource required
Merchant controls - split, postpone, prepone or waive-off instalments
Student controls – split a payment into multiple parts to pay high value instalment using multiple
accounts/ cards
Works Seamlessly with
Automate reminders (SMS/ WhatsApp/ E-Mail/ OBD)
Automate collections with E-Nach
Full reconciliation for payments over NEFT/ IMPS/ RTGS also in addition to CC, DC, NB, UPI etc.
Configure rule based scholarships/ early bird discounts/ late payment penalties
Auto-split payments to vendors (e.g., mess, hostel, books etc.)
Customised reports, live dashboard, instant receipts for the institution and the students
Offer education loans to students
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©2023 Easebuzz Pvt Ltd. All rights reserved..


Forms – Form Builder Overview

Dynamic Form Builder with Analytics (potential use cases school/ college admission form,
insurance registration form, gym registration form etc.)

Key differentiators
Without Forms
Customized forms by multiple criteria and 100+
Customization
Integration with form elements (e.g., Digital Signature)
Form Creation Security Hosting Go Live
Payment Gateway
DigiLocker integration for fetching documents
(e.g., PAN, Aadhaar, Marksheets etc.)

OTP verification – pre-integrated


With Forms
Dynamic/ conditional amount calculation
Create form in 5 Reconciliation &
Sign Up
Mins Analytics Pre-integrated with payments – 100+ payment
with customization modes

Customized form can be shared through URL or


QR code
Validations & Pre-integrated Payments: Example
Upload documents on the tool
Application Form Percentage completion of form visible to the
user as well as merchant (live)

Select Course Select Hostel Live tracking of application status on student’s


dashboard

BA Economics BSc Finance Single-sharing Double-sharing Customized reports and lead management (e.g.,
(INR 1,20,000) (INR 1,80,000) (INR 1,00,000) (INR 80,000) shortlist students before accepting
payments)
Net Payable: INR 2,20,000 INR 2,60,000 Strong analytics – analyze spends, collections,
RoI by source (Facebook, Linkedin etc.), by
18 Corporate Deck campaigns, by demographics etc 18

©2023 Easebuzz Pvt Ltd. All rights reserved..


EasyCollect – reminder-based collection tool API/ ERP Integration

Use Cases
enterprises with an ERP (for automating reminders), BFSI (e.g., loan collections, locker payments), subscription businesses (e.g., magazines,
cable TV providers, Internet Service Providers etc.), franchise businesses etc.

Without EasyCollect
Generate each Follow up with Payment Digital/
each customers Settlement Manual Reconciliation
invoice manually Non-Digital

With EasyCollect
Reminders
Upload / create Customized digital Configurable/ AI Reconciliation &
customers details Payment link auto-reminders Analytics T-30 Notification

T-15 Email

Key differentiators
T-7 SMS
Automated recurring bill payments
AI based reminder notifications (e.g., for schools best time to remind is 8-10 PM on Friday) T-3 WhatsApp
Manage advance payment, collection and subscription
Create fixed value or open value links with minimum and maximum amount range T-1 Outbound Call
Can be customized
Customize discount coupons with bank offers
by merchant
Offer brand coupons to customers as value add offering
Analytics on dashboard (e.g., click through rate)
Brand customised payment pages with a provision to cross-sell/ upsell on the payment page

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©2023 Easebuzz Pvt Ltd. All rights reserved..


SmartPay – DIY payment pages and forms

SmartPay – customizable payment page (e.g., donation collection by NGOs)


Key differentiators
Flexibility to collect payments by customizing the pre-payment and post-payment flows
Option to enable/ disable certain payment methods that are supported by PG for their customers with a single click
Merchants can collect data from their customers that is required for their business by customizing the payment page. i.e., registration, feedback/ surveys etc.
Auto-reminders can be sent via SMS/WhatsApp/mail to collect payments without hassle
Split payment settlements
Link expiry management
Customizable payment fields to display to the customer

Fig 1. Merchant dashboard to payment page Fig 2. Customized payment page of Aksaya Patra

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©2023 Easebuzz Pvt Ltd. All rights reserved..


InstaCollect – collection tool for high ticket size and non-payment API/ ERP Integration

gateway transactions

Use cases – IT service companies collecting payments against invoices, real estate builders etc.

Without InstaCollect
Features
Manually share Multiple settlement to Manual Reconciliation to
Open Account Receive payment
details current Account find pending payments

With InstaCollect
Order wise Virtual Digital payment to Auto reconciliation with one-click
Open master A/C Account (VA) generated Virtual account visibility of receipts and pending dues

Key differentiators
Create Virtual Accounts (VA) for each store/ department, customers, or orders/ invoice
Receive high value ticket size transactions
Quick settlements
Unlimited VAs with account number and IFSC code
Low cost as compared to other payment modes
Refund option available directly from the dashboard
Multiple collection options UPI/ IMPS/NEFT/ RTGS
Fig 1. Sample customer specific VA
Option to trigger collect request i.e., dynamic request for a specified amount to a specific customer

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©2023 Easebuzz Pvt Ltd. All rights reserved..


Discount coupons – comprehensive offering to merchant to enable discounts for customers

Discount coupon flow


Customer Merchant sees real time
Customer selects coupon Post successful
Customer enters Coupon code completes details of redemptions
basis payment mode & validation,
payment details validation payment at (dashboard and excel
other customizations discount applied
discounted rate download)

Key differentiators & value proposition


Coupon dynamically visible as soon as
Configurations available: card number is entered
Number of transactions (e.g., only first 100 customers get a discount)
Payment mode
Payment systems (e.g., Visa, Master)
Card type (e.g., platinum)
BIN numbers
Bank name
Maximum discount
Supports upfront discount and cashbacks
Tiered construct – Based on engagement (e.g., discount on 3rd transaction)
Customizable coupons enables merchants to run specific discount and offers to promote sales
1 click access to entire bank wise/ campaign wise reconciliation statement required to raise
claim (applicable in bank funded/ co-funded schemes)
Reward recurring or high spending customers and increase stickiness
Seamless self coupon generation & application flow; no need for third party interventions
Comprehensive usage reports and analytics

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©2023 Easebuzz Pvt Ltd. All rights reserved..


Brand coupons – third-party coupons to reward customers and increase stickiness

Brand coupon flow


Customer selects brand Brand coupon is sent Customer redeems
Customer enters Customer completes
partner coupon worth up to to the customer’s the coupon on the
payment details the payment
payment amount email ID brand website/ app

Fig 1. “Show coupons” link to display exclusive coupons Fig 2. Coupon list based on transaction amount

Key differentiators & value proposition


Tie-ups for brand coupons and offers to promote sales
Merchants can create their own coupons for affiliate marketing
Merchants can select which brands’ coupons to show (to remove any competitor coupons)
Reward high spending customers and increase stickiness
Seamless self coupon selection; no need for third party interventions

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©2023 Easebuzz Pvt Ltd. All rights reserved..


Slices - Split payment collection tool

Without Slices

Perform individual Digital payment Split calculation and Manual


Reconciliation
KYC for retailers from customers settlement to retailers Reconciliation

With Slices

Digital Payment with Digital payment to


KYC for Retailers Reconciliation & Analytics
split calculation Virtual account

Key differentiators

Splitting the amount to Retailers – No charges by Easebuzz


Instant settlement to retailers
Customized report for each stakeholder
Retailer/partner management on the dashboard
Centralized pricing control with the aggregator

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©2023 Easebuzz Pvt Ltd. All rights reserved..


Webstore – DIY no-code webpages to display products and services -> collect payments

Features

Build your store online to start selling products and services faster. Create a
powerful and easy to use online store with just a few clicks.
No need to be a coder to create a beautiful online store for your business.
No monthly fees or startup fees, just pay a processing fee when you make a
sale.
Promote your products & services, send bulk Emails and SMS, get SEO done,
generate leads, drive sales, and improve brand image using our easy to use
marketing tools.
Enable your customers to pay online anytime and anywhere with the help of
our powerful Payment Solution suite that can be integrated with your Easebuzz
webstore.

Fig 1. Sample webstore page selling art

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©2023 Easebuzz Pvt Ltd. All rights reserved..


ePOS – offline collection solution (e.g., at grocery stores, restaurants, deliveries)

Features

One-stop shop mobile payment app for accepting payments via multiple modes
including UPI, debit cards, credit cards, netbanking, mobile wallets etc.

Share payment links with your customer’s via SMS, WhatsApp, Email

Merchant gets notified by voice from Mobile App for payments received i.e.,
Merchant doesn’t need to open App to verify payments → faster queue
management at checkout counter

Check real-time transactions all at one place using ePOS app

Instant withdrawal money anytime to your link bank account

Create static (customer enters the amount) or dynamic (amount specified by


the Merchant) UPI QR codes

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©2023 Easebuzz Pvt Ltd. All rights reserved..


SmartBilling – invoicing and subscription management solution
API/ ERP Integration

Without SmartBilling
Manually generate Manually split Follow up for Digital / cash / cheque Manual
invoices multiple invoices payment collection reconciliation

With SmartBilling

Create invoice via Auto split of invoices


API or on and auto reminders Digital collection Auto reconciliation
dashboard

Key differentiators
Collect payment using invoices via all payment modes
Send notification and reminders via SMS, Email, WhatsApp
Effectively manage collections for subscription plan i.e., auto-generate invoices
periodically (e.g., annual maintenance charges, gym membership fee etc.)
Duplicate/ clone invoices → reduce time for new invoice generation
Customized automated reminder for payment
GST (tax) compliant invoice creation
Split invoices into multiple instalments

Fig 1. Customer (payer) view of a sample invoice

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©2023 Easebuzz Pvt Ltd. All rights reserved..


Teller – distribution management solution Works Seamlessly with
API/ ERP Integration

Without Teller
Collection of payment Manual accounting
Accounting team Manual follow up Receipt of pending Manual
digital / cash/ cheque for return of goods
sends invoices for payment payment in digital / cash / reconciliation
cheque

With Teller

Onboard customers Create invoices Auto-reminders and Pay via corporate cards/ credit Auto reconciliation of
(distributors, retailers) (manual or via API/ ERP) collections line/ IMPS/ NEFT/ RTGS/ UPI & payments and journal
other modes entry in ERP

Key differentiators
No expensive ERP required for onboarding entire supply chain Multi-layer distribution chain on one platform
APIs for ERP available (e.g., Tally)
Manufacturer
Zero effort for collections and reconciliation – fully automated
Provision to embed lending (e.g., credit line, corporate cards) to reduce cash cycle and funds
blocked in working capital Distributor Distributor
Offline transactions can also be recorded
Lowest cost book-keeping solution (issue, track, collect, reconcile)
Invoice tracking Sub-distributor Sub-distributor

Live tracking of Payables and Receivables on one dashboard


100+ payment modes including customer specific virtual accounts for NEFT/ IMPS/ RTGS/ UPI
Retailer Retailer Retailer

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©2023 Easebuzz Pvt Ltd. All rights reserved..


Easebuzz Neo – Smart Business Banking

Banking the Old Way Banking the Neo Way

Plain vanilla banking Integrated & Comprehensive


account Current Account

Lengthy beneficiary Instant Beneficiary Addition for


additions to do vendor payouts
payouts
Personal Cards / Cash are Assign prepaid cards for
used for business expenses easy expense management

Manual bookkeeping and Auto Bookkeeping with Payment


finance management Insights

Limited Payment modes for 100+ Payment modes


payment acceptance to accept payments

Time consuming Automated reconciliation


reconciliation & real-time payments
tracking

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©2023 Easebuzz Pvt Ltd. All rights reserved..


Easebuzz Neo – Smart Business Banking

Feature-packed Current
Account for your Business
Banking Needs
In Partnership with

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©2023 Easebuzz Pvt Ltd. All rights reserved..


Get more out of Easebuzz Neo

100+ Payment Acceptance Auto-Debit Recurring Payment QR based collections Payment Links
Modes Receivables
Create and share payment links,
Accept payments through Net Receive Subscription-based Accept payments via UPI QR
via SMS, E-mail & WhatsApp, to
Banking(IMPS, NEFT, IMPS) , Credit and recurring payments using Generate QR Based Invoices collect Payments from
& Debit Cards, UPI, Mobile eNACH Mandates, UPI 2.0 to collect Payments customers
Wallets, BNPL ePOS Mobile App with UPI QR Automated Payment Reminders
and payment links

Vendor Payouts Auto reconciliation & reporting Easy Tally Integration

Instant beneficiary addition with Get automated reconciliation for Import Tally invoices directly
bulk upload feature pay-ins and pay-outs to payout account & make
Multiple modes of payouts- UPI, Real-time view of transactions payment to your vendors
IMPS, NEFT and RTGS and status updates Automatically sync paid
invoice status to Tally

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©2023 Easebuzz Pvt Ltd. All rights reserved..


Smart Vendor Management

Smart vendor payment solution for businesses


Simplify your vendor payouts and send TDS payments on time. Manage vendor creation, track payouts, set approval flow for
invoice creation and invoice payment, use multiple payment modes including NEFT, RTGS, IMPS and UPI, Auto-reconcile and
auto-sync with Tally.

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©2023 Easebuzz Pvt Ltd. All rights reserved..


Business Tax Payments – GST & Direct Tax

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©2023 Easebuzz Pvt Ltd. All rights reserved..


Business Tax Payments – GST & Direct Tax

Seamless tax
payments in 3 steps

Automate your business tax payments with


current account linked to Easebuzz Neo

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©2023 Easebuzz Pvt Ltd. All rights reserved..


SmartX – expense management & prepaid card solution
API/ ERP Integration

Without SmartX
Accounts dept.
Issue cash Employees Employees Accounts dept. Manual
manually checks bills
advance to spend cash physically submit manually reconciliation
and takes business
employees bills for checks policy and journal entry
approval
reimbursements

With SmartX
Expenses visible
Issue prepaid cards Employee spends using on portal → Digital process of policy, Auto reconciliation
(optional) to employees SmartX cards employee checks budget and business and journal entry in Fig 1. Sample
and submits approvals ERP Prepaid card

Key differentiators
Option to issue prepaid cards to employees or use it only for
managing reimbursements
Manage cards: issue cards, block cards, load money etc.
Fully digitize expense reimbursements management
Ensure adherence to travel and reimbursement policy
Maintain records of employee expenses digitally
Enable effortless reconciliation
Eliminate hassle of ensuring correct journal entries for
accounting

Fig 2. Expense management dashboard


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©2023 Easebuzz Pvt Ltd. All rights reserved..


Building CFO as a service

CFO as a service – we help small businesses automate receivables, pay-outs and


other financial processes

1 Connected banking 10 Virtual accounts and offline collections (e.g., bank branches)

2 Payouts automation 11 UPI QR

3 Invoice management 12 Cashback coupons

4 Payment links / pages / buttons 13 Webstore


5 Distribution chain payment solution 14 Taxation – GST, direct
6 Tally integration 15 Digital Lending Stack
7 Vendor payments 16 Building many more…
8 Expense management

9 Fee collection and recon solution

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©2023 Easebuzz Pvt Ltd. All rights reserved..


Thank You
www.easebuzz.in
sales@easebuzz.in

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