AP · GST/ITC · Payments · Tally — for Indian SMEs Early Access
From "should I pay this vendor?" to paid, booked, and protected.
Every vendor invoice is four jobs: read it, decide if it's safe to pay for tax, actually move the money, and book it in your ledger. Today that's four tools and a prayer. Integral Finance OS does the whole loop — with the tax brain spend tools lack, and the payment rails compliance tools lack.
Limited onboarding batches — we reply within one business day.
Invoice #INV-4471 · ₹2,48,000
₹42,000 ITC at risk
Reason attached · Audit logged
Based on our July 2026 study of 10 leading India spend, AP and compliance platforms.
The problem Not fraud — leakage
An invoice lands on WhatsApp. Someone types it into a spreadsheet. Someone checks — or forgets to check — whether the vendor actually files their GST returns. Someone pays from the bank portal. Someone re-keys it all into Tally.
Three months later, your CA tells you the Input Tax Credit on that vendor is blocked — because they never filed GSTR-1, and nobody knew.
Indian SMEs lose lakhs a year this way. Not to fraud — to leakage.
The loop Capture → check → pay → book
Capture & understand
Forward an invoice on WhatsApp, email, or Slack — AI extracts every line item, GST breakup, and TDS detail, and matches it to a PO. No app-opening, no typing.
Decide if it's safe to pay
Before a rupee moves, the vendor's GST behaviour is checked against GSTR-2A/2B. You get a pay-or-hold recommendation with the reason attached: "Vendor X hasn't filed GSTR-1 for two months — ₹42,000 of your ITC is at risk." Release or hold in one tap.
Actually move the money
Pay by UPI or bank transfer inside the product, with multi-level approvals, penny-drop verification, and bulk payouts on a single OTP.
Book it in the ledger
Every payment posts itself into Tally as an audit-ready entry, two-way. No re-keying, no month-end reconciliation marathon.
Supporting features Built for how SMEs actually run
Approvals where approvers live
Web, mobile, WhatsApp — one-tap with maker-checker trails.
A vendor master that protects you
GSTIN / PAN / bank validation, compliance scoring, and automatic reminders to vendors who haven't filed.
An AP copilot, not another form
Ask "who should I pay this week, who's ITC-risky?" and get answers with reasoning.
Built for how SMEs run
Self-serve, a real mobile experience, your Tally, no forced migration.
Why it's different It closes the loop
It closes the loop
Compliance tools recommend but can't pay; payment tools pay but can't check. This does capture → check → pay → book in one place.
Explainable holds
Never a silent block; every hold shows the vendor, the filing gap, and the rupees at risk.
Tally-native, truly
Two-way sync with the ledger Indian SMEs actually run.
Engineered in India · Built on Anthropic Claude · Human-gated by design
FAQ
What Indian SMEs & their CAs ask first.
What is an ITC hold?
If a vendor doesn't file their GST returns, the tax you paid them can't be claimed as Input Tax Credit — real money lost. Finance OS spots risky vendors before you pay and recommends holding until they file.
Does this replace my CA?
No — it's your CA's favourite tool. Every transaction lands audit-ready, and ITC risk is flagged before payment instead of at filing time.
We run Tally on one office PC, sometimes offline.
That's what the connector is built for — it syncs when the machine is on and reconciles cleanly after gaps.
Which invoices can it read?
Photos on WhatsApp, PDFs on email, scans — AI extraction with line items and GST breakup.
Is my money safe?
Payments run through licensed banking partners with penny-drop verification, maker-checker approvals, and full audit logs.
Estimator How much ITC are you leaking?
Estimate for illustration — actual exposure depends on your vendor mix.
How much ITC are you leaking?
Join early access and be first in line when we onboard the next batch of SMEs.
Limited onboarding batches — we reply within one business day.