CashFlo for SAP Public Cloud — Finance Automation Built for SAP

Powering SAP Public Cloud
with CashFlo

India's only end-to-end Finance Automation platform built for SAP. Close every gap SAP DRC leaves open — GST, E-Invoice, AI Invoicing, Vendor Compliance, and Payments.

₹2,16,000 Cr Annual Invoices Handled

1,500+ Enterprise Customers

50+ SAP Public Cloud Clients

4.3 / 5 Gartner Rating

Contact Sales → Explore Modules

NASSCOM Supply Chain Finance Solution of the Year — 2019, 2020, 2021

MSME India Fintech of the Year 2022

VISA One of 3 Fintechs in B2B Payments (India)

Gartner Rated 4.3 / 5 on Gartner Peer Insights

GSTN Authorised GST Suvidha Provider (GSP)

The Problem

Out-of-the-Box SAP & DRC Isn't Enough.
CashFlo Bridges the Gap.

SAP Public Cloud handles core ERP. But between statutory compliance, vendor invoicing, and payment automation — there's a significant gap. CashFlo fills every layer.

SAP DRC Statutory Compliance Baseline

20%

CashFlo + ITC Reconciliation & Auto GST Return Filing

40%

CashFlo + E-Invoice & E-Way Bill Full Lifecycle

60%

CashFlo + Vendor Invoicing with AI-Powered OCR

75%

CashFlo + Vendor Onboarding & Compliance

88%

CashFlo + Payment Controls & Dynamic Discounting

96%

SAP + CashFlo Total Value Unlocked

100%

Platform Architecture

Modular by Design. End-to-End by Outcome.

Deploy any module standalone or the complete suite — all via SAP BTP, with zero change to SAP Public Cloud core.

Layer 1 — Foundation

SAP Public Cloud Core

GRN Invoice Accounting Vendor Ledger Bank Entries & Clearing SAP DRC

Layer 2 — BTP Apps

SAP BTP Application Layer

CashFlo Invoice Processor GST Compliance Cockpit IRN & E-Way Bill Cockpit Payments Processor Vendor Onboarding

Layer 3 — CashFlo Platform

CashFlo Native Capabilities

AI-Powered OCR Invoice Compliance Checks Input Tax Reconciliation GST Compliance Automation IMS Reconciliation E-Invoice & E-Way Bill Multi-Bank + TReDS Vendor Onboarding & KYC Advanced Reports Dynamic Discounting

ITC Reconciliation & Auto Return Filing

India's Only Fully Public Cloud-Integrated GST Compliance Solution · Maximize ITC, Zero Leakage

75%+Less Manual Effort

3×Faster Annual Filing

60%+Time Saved for Audit

1 month+Per Person Saved / Year

50+SAP Public Cloud Customers

📊

100% GL-Based Extraction

Every transaction with GST impact — including journal entries — captured at source.

🤖

AI-Powered Reconciliation

Books ↔ IMS ↔ GSTR-2B with tolerance & amendment matching, auto-mismatch detection.

📋

IMS Bulk Actions

Take bulk actions on IMS reconciliations & track credit notes raised by vendors.

📄

Auto GSTR Filing

GSTR-1, 3B, 6, 9/9C with pre-filled data — one-click across all GSTINs.

⚖

Rule 42/43 Auto-Compute

Auto-tagged invoices, one-click ITC apportionment and common credit reversal.

🔍

Invoice-Level Audit Trail

Every ITC claim, reversal & deferral traceable per period. 20+ audit-ready reports.

🕐

GSTR-9/9C Auto-Recon

Books vs GSTR-1 vs 3B vs 2A/2B — 80% effort reduction on annual return filing.

🏭

ISD Credit Distribution

Auto-allocates Input Service Distributor credits with turnover-based logic.

E-Invoice & E-Way Bill Lifecycle

Full Lifecycle Automation · 99.5% Uptime · Zero Manual Intervention

99.5%Uptime via Multi-IRP

Multi-IRPAuto-Switch on Downtime

7 YearsIRN & E-Way Archival

30+Operational Reports

ZeroNon-Compliance Risk

📄

Full Lifecycle Management

Generate, cancel & extend e-way bills and IRN directly from SAP — including delivery challans.

🚚

Multi-Vehicle E-Way Bill

Split one e-way bill across multiple vehicles. Merge multiple into one consolidated document.

🔸

Multi-IRP Concurrency

Auto-switches between IRPs during GSTN outages. Offline utility keeps operations running.

🔄

API Retry Logic

Auto-retries failed API calls — zero transactions dropped silently, every call logged.

🔒

7-Year IRN Archival

Every IRN & e-way bill stored for 7 years with complete government audit trail & logs.

📈

E-Way Bill Reconciliation

Monthly recon vs sales register and GSTR-1. Exemption auto-detection included.

Vendor Invoicing with AI-Powered OCR

AI-Powered Capture · 40+ Compliance Validations · 87%+ Touchless Processing

87%+Touchless Processing

98%+OCR Accuracy

40+Compliance Validations

3×Faster Cycle Time

60,000+Invoices / Month on SAP

📱

Multi-Channel Capture

Email, vendor upload, WhatsApp & multi-format — all auto-ingested into the system.

🤖

Agentic AI Engine

Self-learning agents trained on 1.5 Cr+ Indian invoices — improves from every correction.

📋

Smart 3-Way Matching

Invoice ↔ PO ↔ GRN with tolerance management & auto-approval inside SAP.

✅

40+ Compliance Validations

GST, PAN, MSME, e-invoice & tax rate validated in a single pass at point of capture.

📄

Direct MIRO Posting

Auto-posting into SAP with document attachment & audit trail — 100% policy adherence.

🌐

20+ Language Support

Handles invoices in 20+ domestic & foreign languages, including import invoices.

Vendor Onboarding & Compliance

100% Clean Master Data · Real-Time Statutory Checks · Zero Manual Follow-Ups

3,50,000+Vendors Onboarded

90%Faster Onboarding

100%Clean Master Data

80%Fewer AP Queries

Real-TimeCompliance Monitoring

📌

Instant Statutory Verification

Auto-validates GSTIN, PAN, CIN, MSME & bank account in real time at onboarding.

⚖

206AB Compliance Check

Auto-validates tax withholding compliance flags at onboarding — before first transaction.

🛒

Maker-Checker Approval

Multi-level workflow for buyer teams. Every action logged with user, timestamp & IP.

🔔

Automated Risk Alerts

Flags vendors with lapsed GST filings before any payment is processed.

📦

Compliance Certificate Upload

Vendors submit & store certificates digitally via structured portal. Custom field mapping.

📈

Centralized Vendor Repository

Single source of truth for all vendor approvals, compliance status & history.

Payment Controls & Dynamic Discounting

Iron-Clad Controls · Zero Compliance Risk · Boost EBITDA up to 3%

100%Policy Adherence

ZeroManual Entry Errors

40+ Banks& 3 TReDS Integrations

1–3%Cash Discount Captured

T+1Vendor Payments

📋

Multi-Level Maker-Checker

Workflows across procurement, accounts, treasury & CFO — configure by vendor type or value.

🔒

GST Check & Hold

ERP-integrated hold for non-GST reconciled invoices — hold full amount or only GST component.

🏭

MSME 45-Day Rule

Hold only GST portion — stay MSME-compliant, avoid penalties. Automated 180-day ITC alerts.

🏦

40+ Banks & TReDS

Pay via any bank, TReDS or financing line — real-time balance view & ERP auto-posting with UTR.

💰

AI-Based Discount Engine

Calculates optimal discount rates per vendor — boost EBITDA up to 3% on surplus treasury.

⚡

Instant Vendor Payments

Same-day disbursal, automated WhatsApp & email advice — zero vendor follow-up calls.

Security & Compliance

State-of-the-Art Data Security & Privacy

VAPT and ISO/IEC 27001 Certified. Built for India's data residency requirements.

🏠

Data Stored in India

All data stored within Indian borders as per GOI guidelines.

🔐

End-to-End Encryption

All customer data encrypted in transit and at rest using robust algorithms.

👥

Multi-Tenancy Architecture

Data privacy by design — customers can never access other customers' data.

📊

Full Audit Logging

Every read and write access recorded via audit logs, persisted permanently.

🛡

VAPT Certified

Vulnerability Assessment & Penetration Testing certified. Built-in threat protection.

✅

ISO/IEC 27001 Certified

International standard for information security management — audited and certified.

Complex finance.
One platform.

From ERP to Efficiency — CashFlo turns SAP Public Cloud into the finance middleware your accounts team loves.

Contact Sales →

www.cashflo.io · Built for SAP Public Cloud · GSTN Certified GSP Partner · 22+ Industries | 300,000+ Vendors

Powering SAP Public Cloudwith CashFlo

Out-of-the-Box SAP & DRC Isn't Enough.CashFlo Bridges the Gap.