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AI-powered Source-to-Pay, built to save your team time

Zaggle runs sourcing, purchasing, invoice processing and vendor payments with AI agents that do the legwork. GST, TDS and MSME rules are built into every step. Your finance team signs off on what matters.

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3-way match · INV-4471
Matching
PO
Purchase order
₹4,80,000
Matched
IN
Vendor invoice
₹5,20,000
₹40,000 over
GR
Goods received note
480 of 500 units
Short

Held for review — ₹40,000 variance, short delivery

Clients

Built for businesses managing complex spends.

One chain, from first quote to final reconciliation.

Sourcing finds the price. Payables protects it. Ten steps, one record, no re-keying between them.

Source

RFQ-2207 published to 6 invited vendors · HR steel coil, 500 units.

Pay

INV-4471 received by email · ₹5,20,000 · linked to PO-8841.

For manufacturing companies

Built around your ERP and your factory gate.

Purchase orders and GRNs originate in your ERP. Zaggle picks them up, runs the vendor, gate and invoice work around them, and posts the accounting entries back. Live at Trident and Hindalco.

SAP · ORACLE · DYNAMICS

Your ERP

Purchase orders and GRNs originate here

↓ PO & GRN in ↑ Accounting entries back
Runs on Zaggle
  1. 1Supplier onboarding
  2. 2RFQ & sourcing
  3. 3ASN from vendor
  4. 4Gate entry & GIN
  5. 5GRN & quality check
  6. 63- / 4-way match
  7. 7Accounts payable

Matching runs across gate entry, GIN, GRN, QC and PO. Discrepancies surface in one resolution screen.

For services companies

From request to payment, without the paperwork.

For services, IT and indirect spend, the request starts in Zaggle. Approvals, POs and service confirmation run here, and the finished entries are pushed to your ERP or accounting system.

Runs on Zaggle
  1. 1Requisition
  2. 2Budget approval
  3. 3Purchase order
  4. 4Service confirmation
  5. 5Invoice
  6. 6Accounts payable

PO, non-PO, contract and utility invoices on one platform, across head office, stores and branches.

↓ Entries pushed out

TALLY · SAP · ZOHO BOOKS

ERP / accounting

Receives the entries and stays the book of record

The agentic layer

Let AI Agents Handle the Work Behind Every Invoice

Automate invoice capture, coding, matching and approvals with AI-powered source-to-pay automation. Reduce manual effort, strengthen financial controls and improve visibility across accounts payable.

See the agents on your invoices
  1. Agent 01

    Mailbox Agent

    Captures invoices automatically from connected email inboxes.

    ABABC Pvt. Ltd.to [email protected]09:42
    INV-4471.pdf

    Captured from the AP inbox

  2. Agent 02

    OCR Agent

    Extracts data from multi-page invoices and sorts each document into the right category.

    Pages
    3
    Classified as
    Tax invoice
    Fields read
    42
  3. Agent 03

    Custom Field Agent

    Pulls your own fields at upload, guided by a field description instead of a fixed template.

    Plant codePL-07
    Vehicle numberTS 09 AB 1234

    Found from your field descriptions · no template

  4. Agent 04 Core

    Ledger Agent

    Categorises the invoice and selects the GL account for every line item.

    Line 1 · Steel coilsGL 510100
    Line 2 · FreightGL 520300
    Line 3 · PackingGL 510400
  5. Agent 05 Core

    Match Agent

    Selects the right PO and GRN lines and runs the three-way match automatically.

    PO-8841GRN-5520INV-4471

    ₹40,000 over the PO · flagged as a variance

  6. Agent 06

    TDS Agent

    Identifies the correct TDS section from a maintained knowledge base and derives the rate.

    Section194C
    Rate2%
    TDS₹8,814
  7. Agent 07 Core

    Approval Agent

    Routes invoices using rules written in plain language, with SLA tracking and escalation.

    “If the variance is above ₹25,000, send it to the plant head.”

    PHPlant headAwaiting approvalSLA 24h
  8. Then, a person

    Every agent proposes. Your finance team decides.

    Every decision is logged with its evidence.

    95%+agent accuracy

Every invoice your AP desk receives, not just the clean ones.

PO or non-PO, goods or services, one-off or recurring. These are the invoice types Zaggle processes today.

Invoice types
23
Families
5
23 invoice types

Direct & production

PO-backed

  • Raw material
  • Packaging
  • MRO & spares
  • Job work & subcontracting
  • Capex & equipment
  • Fuel & consumables

Services & people

PO or service entry

  • Contract labour & manpower
  • Professional services
  • Facility management
  • Marketing & media
  • Travel
  • IT hardware & software

Logistics

Freight to customs

  • Freight & transport
  • Couriers
  • Import & customs

Recurring & non-PO

No PO required

  • Utilities
  • Rent & leases
  • Telecom
  • Subscriptions
  • Non-PO invoices

Adjustments

Linked to the original invoice

  • Credit & debit notes
  • Advance & proforma
  • Partial & retention payments

Run a category that isn’t listed? Tell us about it.

Unlock the working capital in your payables.

When invoices clear faster, are paid on the right day and keep their input tax credit, cash stops leaking out of payables. Zaggle shows finance what’s owed, what’s due and what’s at risk before month-end.

  • 01

    Input tax credit, protected

    Compliance gaps surface early, not at filing time.

  • 02

    Pay on terms, not on follow-ups

    Payment runs that match due dates and vendor terms.

  • 03

    Liabilities visible before close

    Open POs, accruals and approved invoices in one view.

Manage sourcing, procurement and payments in one place

Simplify sourcing, procurement and accounts payable with Zaggle's integrated source-to-pay platform, bringing every stage together with end-to-end visibility and control.

InsightYour top 4 vendors make up 48% of Q2 spend.

Analytics

Spend · Q2 FY27

Total spend

₹18.4 Cracross 5 groups

Budget used

68%
of ₹27 Cr · alert at 85%

Liabilities

₹6.2 Cropen POs, accruals, unpaid

Approved, unpaid

₹2.1 Crdue for the next payment run

Spend by vendor

share of ₹18.4 Cr

    Liabilities · ₹6.2 Cr

    • Open POs₹2.8 Cr
    • Unbilled accruals₹1.3 Cr
    • Approved, unpaid₹2.1 Cr

    Fits the finance stack you already have.

    Zaggle connects to the ERP, HRMS, banking and statutory systems your finance team already runs. Data moves both ways, so procurement and payables work with your systems instead of beside them — no replatforming, no parallel source of truth.

    • ERP & financial systems

      • SAP S/4HANA
      • SAP ECC
      • Oracle
      • MS Dynamics 365
      • NetSuite
      • Infor

    • Accounting

      • Tally Prime
      • Zoho Books
      • QuickBooks
      • Busy

    • HRMS & payroll

      • Darwinbox
      • SuccessFactors
      • Workday
      • Keka
      • greytHR

    • Banking & payments

      • HDFC Bank
      • ICICI Bank
      • Axis Bank
      • Kotak
      • SBI
      • NEFT / RTGS

    • Tax & statutory

      • GSTN
      • e-Invoice IRP
      • e-Way Bill
      • TRACES
      • Udyam

    • Data & analytics

      • Power BI
      • Tableau
      • Snowflake
      • Data warehouse

    • Mail & collaboration

      • Outlook
      • Gmail
      • Microsoft 365
      • Teams
      • Slack

    • Identity & access

      • Microsoft Entra ID
      • Okta
      • Google SSO
      • SAML / SCIM

    • Document & e-sign

      • DocuSign
      • Adobe Sign
      • Leegality

    • Zaggle suite

      • Expense management
      • Corporate cards
      • Employee benefits

    Anything else

    REST API · SFTP · flat file

    If it can export a file or expose an endpoint, Zaggle can read it.

    Not on the list? Zaggle also connects over REST APIs, SFTP and flat-file exchange.

    Talk to us about your stack

    A global solution, with deep expertise in Indian statutory workflows.

    Zaggle is built for procurement and finance teams anywhere. Where you operate in India, GST, TDS, e-invoicing and MSME rules come built into the workflow, with no add-ons or workarounds.

    • Global source-to-pay
    • Multi-entity
    • Multi-location
    • India statutory, built in
    • GSTR-2B

      GSTR-2B reconciliation

      Invoices reconciled against GSTR-2B and IMS, with ITC gaps flagged.

      QueuedChecking…Matched in GSTR-2B
    • IRN · QR

      e-Invoice & IRN

      IRN, QR code and e-way bill details validated at ingestion.

      QueuedChecking…IRN valid · QR verified
    • GST

      GST at line level

      Rate, treatment and place of supply captured for every line.

      QueuedChecking…18% IGST · 3 lines
    Zaggle AI · reading invoice0 / 6
    Tax invoiceINV-4471
    ABC Pvt. Ltd.GSTIN 27AABCA1234D1Z5
    IRN
    a1f9…7c2e
    Place of supply
    Karnataka (29)
    Taxable value
    ₹4,40,678
    IGST 18%
    ₹79,322
    Invoice total₹5,20,000
    • TDS

      TDS section & rate

      Applicable section and rate derived during processing.

      QueuedChecking…194C · 2% proposed
    • MSME

      MSME payment timelines

      Invoices nearing statutory due dates flagged early.

      QueuedChecking…Due in 12 days
    • GSTIN

      Multi-GSTIN routing

      Each invoice routed to the right entity and registration.

      QueuedChecking…Routed to KA-29 entity

    Cut Vendor Follow-Ups with Clear Invoice and Payment Visibility

    Finance teams spend valuable time responding to one recurring question: When will the invoice be paid?

    Give vendors visibility into invoices and payments while streamlining onboarding, queries and approvals through one source-to-pay platform.

    For Your Vendors

    • Dedicated vendor portal.
    • Track invoice and payment status.
    • Submit invoices against purchase orders.
    • Raise and resolve invoice queries.
    • Access payment updates without repeated follow-ups.

    For Your Finance Team

    • Digitise vendor onboarding with KYC, GST and MSME checks.
    • Automate onboarding and approval workflows.
    • Verify and approve vendor bank-detail changes.
    • Track vendor performance and transaction history.
    Explore the Platform

    Turn Approved Invoices into Timely Payments

    Extend accounts payable automation beyond invoice approval. Prepare payments, coordinate with existing banking systems and maintain visibility over liabilities and payment cycles.

    1. 01

      Bank payment files

      Generate payment files in supported bank formats.

    2. 02

      Direct bank integration

      Process approved payment instructions through supported integrations.

    3. 03

      ERP handoff

      Payment data pushed into your ERP, so runs happen where your team already works.

    4. 04

      Payment timing

      Align payment cycles with invoice due dates and vendor terms.

    5. 05

      Early payment discounts

      Identify opportunities to optimise payment costs.

    6. 06

      Duplicate and fraud checks

      Flag duplicate invoices and suspicious changes before payment.

    Embedded Supply chain financing

    Extend payment terms, improve working capital flexibility and enable eligible suppliers to access early payments through financing partners. Manage vendor payments more effectively while strengthening supplier relationships.

    Your banking relationships, mandates and controls stay exactly as they are.

    Get Ahead of Month-End Liabilities

    Gain visibility into open purchase orders, unbilled accruals and approved-but-unpaid invoices. Connect procurement and payables data through your source-to-pay platform to support more informed financial planning and a smoother close.

    What changes after Go-Live.

    75%+

    Faster invoice processing

    50%+

    Fewer procurement-related errors

    100%

    Audit-ready transaction trails

    Value delivered across enterprises

    Logistics, manufacturing, e-commerce and enterprise finance teams running procurement and payables on Zaggle.

    • Beauty & lifestyle

      Nykaa

      POs and invoices ran on email and paper across 150+ stores, with store teams locked out of a complex ERP.

      Results at Nykaa

      • 60%+faster approvals — 5 days to under 2
      • ₹804 Cr+PO-based invoice value processed
      • 9,200+invoices a year through 3- and 4-way matching
      • 15,048vendors onboarded with validations
      • 85%drop in vendor follow-up emails
    • Logistics

      DTDC

      Invoice processing and vendor onboarding ran manually across a national courier network.

      Results at DTDC

      • 80%improvement in invoice processing accuracy
      • 60%faster approval turnaround
      • 90% → <10%manual workload
      • 7–10 days → 1vendor onboarding time
      • 10,000+vendors onboarded digitally
      • 100%GST and TDS compliance
    • Manufacturing

      Bajaj Electricals

      Spend management across a large enterprise, digitised and automated end to end.

      Results at Bajaj Electricals

      • 40–70%less processing time across source-to-settle
      • 60%faster reimbursements, approval TAT cut 3x
      • 90%+improvement in policy compliance
      • 100%digital audit trail coverage
      • 3–5%saved in direct procurement costs
    • Beauty e-commerce

      Purplle

      Invoice data scattered across sheets and email, with no payment visibility across web, app and 675 stores.

      Results at Purplle

      • One platform for PO, non-PO, contract and utility invoices
      • E42 ingestion and Darwinbox sync
      • Duplicates caught at entry — single source of truth
      • Partial payments tracked; invoices close on final instalment
      • Vendors track their own status
      • Audit-ready in one click
    • Manufacturing

      Hindalco

      Highly diverse spend categories across multiple plants, moved on paper.

      Results at Hindalco

      • Spend split across 7 categories, from MRO and logistics to raw materials, mining and employee payments
      • Plant-level SPOCs captured local deviations into one uniform TO-BE process
      • Multi-level pre-approval workflows tailored to each category
      • From fragmented physical invoice movement to a scalable automated ecosystem
    • Manufacturing

      Trident Limited

      Everything from vendor PO to ASN handled by email and printed documents, causing data leakage and delays.

      Results at Trident Limited

      • Vendor portal with a dedicated ASN module; POs pushed instantly
      • Gate operations digitised — parking entry, Gate Inward Note and QR access
      • GRN completed on portal, QC data pulled straight from SAP
      • Smart matching across parking entry, GIN, GRN, QC and PO
      • Discrepancies surfaced instantly in one resolution interface
    01 / 06 See all customer stories

    One platform. Built around your business.

    From complex procurement cycles to multi-entity finance operations, Zaggle’s source-to-pay software adapts to your industry’s workflows, approval structures and operational requirements.

    01BFSI
    01 / 06

    BFSI

    Maintain tighter financial controls with structured approvals, traceable transactions and audit-ready workflows.

    What our customers say

    “Your product has matured alongside our use cases. With Zaggle, we built something deeper than just automation. We created a core finance engine that understands our ecosystem.”
    — Leena Nair, Head of Digital Finance Transformation, Bajaj Electricals
    01 / 03

    Enterprise Grade security and financial controls

    Your money never leaves your banking infrastructure. Zaggle prepares payments; your bank releases them.

    • ISO/IEC 27001
    • ISO 9001
    • PCI DSS v4.0.0
    • SOC 1 Type 2
    • SOC 2 Type 2
    • RBI-regulated banking partners

    Agent governance

    Agents operate within defined policies, with escalation to finance teams when decisions require review.

    Access controls

    Role-based permissions, maker-checker workflows and approval controls help safeguard every transaction.

    Complete Audit trail

    Track documents, approvals, exceptions and decisions with a complete audit trail.

    Best in class support

    Your money never leaves your banking infrastructure. Zaggle prepares payments; your bank releases them.

    A finance team working together at their laptops
    I sincerely appreciate zaggle team's efforts and the full support they've provided. Their proactive involvement has significantly streamlined our processes and ensured a smoother transition to the Zaggle platform. The positive momentum is great to see, and their collaboration is truly making things easier for our team. Thank you for the support
    Preeti Mishra, Finance & AccountsMintifi
    1. 01

      Proven at enterprise scale

      Agents operate within defined policies, with escalation to finance teams when decisions require review.

    2. 02

      Deep expertise

      Role-based permissions, maker-checker workflows and approval controls help safeguard every transaction.

    3. 03

      Compliance

      Your business data stays protected, controlled and compliant. Built-in security measures, access controls and data protection practices help safeguard sensitive financial information while supporting your organisation’s compliance requirements.

    Questions finance teams ask.

    What is Source-to-Pay software?

    Source-to-Pay (S2P) software helps businesses manage the entire procurement lifecycle, from sourcing suppliers and managing purchase requests to processing invoices and vendor payments. It centralises procurement and finance workflows, improving efficiency, spend visibility and financial control.

    How does Zaggle’s Source-to-Pay solution help businesses?

    Zaggle’s Source-to-Pay solution digitises and automates procurement, vendor onboarding, purchase order management, invoice processing and payment workflows. It helps businesses reduce manual intervention, streamline approvals, improve operational efficiency and gain greater control over organisational spending.

    What are the key features of Zaggle’s Source-to-Pay solution?

    Zaggle’s Source-to-Pay solution offers supplier management, digital purchase requisitions, purchase order management, goods receipt tracking, LLM-assisted OCR-enabled invoice processing, configurable approval workflows, spend analytics and ERP integrations.

    How does Source-to-Pay automation improve procurement efficiency?

    Source-to-Pay automation eliminates repetitive manual tasks across procurement and accounts payable processes. It streamlines purchase requests, approvals, invoice validation and payment workflows, helping businesses reduce processing delays, minimise errors and improve coordination between finance and procurement teams.

    Can Zaggle’s Source-to-Pay solution automate vendor onboarding?

    Yes. Zaggle simplifies vendor onboarding through digital workflows, GSTIN, PAN and bank validation, and structured approval processes. It helps businesses centralise supplier information, standardise onboarding procedures and improve vendor management efficiency.

    Does Zaggle’s Source-to-Pay software support automated invoice processing?

    Yes. Zaggle supports LLM-assisted OCR capabilities for invoice processing, helping minimise manual data entry and improve data extraction accuracy. Features such as PO flipping and supplier portals simplify invoice submission, validation and approval workflows.

    Can Zaggle’s Source-to-Pay software integrate with existing ERP systems?

    Yes. Zaggle supports integration with ERP and accounting platforms such as SAP, Tally and Oracle. These integrations help businesses synchronise procurement and financial data, reduce duplicate entries and maintain consistency across systems.

    How does Source-to-Pay software improve compliance and financial control?

    Source-to-Pay software helps businesses enforce procurement policies through configurable approval hierarchies, budget controls and digital audit trails. Zaggle enables greater transparency across procurement transactions, supporting accountability, compliance and audit readiness.

    How does Zaggle’s Source-to-Pay solution improve spend visibility?

    Zaggle consolidates procurement and payment information to provide better visibility into organisational spending. Its spend analytics capabilities help finance teams monitor budget utilisation, analyse vendor-wise expenditure, identify spending patterns and make informed procurement decisions.

    How can businesses get started with Zaggle’s Source-to-Pay solution?

    Businesses can schedule a demo with Zaggle to explore how its Source-to-Pay solution can streamline procurement, automate invoice processing, simplify vendor management and improve spend control.

    Simplify your source-to-pay journey.

    Bring procurement, invoices, approvals and payments into one intelligent workflow.

    Book a demo