Fingertip
Fingertip is a Bengaluru-based B2B fintech platform that enables corporate enterprises, SMEs, and B2B-commerce players to manage payables and receivables via card-based rails, anchored by an ICICI Bank partnership and Visa/MasterCard network integration.
- Company typePrivate
- Founded2023
- HeadquartersBengaluru, India
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What Fingertip does
Fingertip (legal entity: Transcendz Paysol Private Limited) is a Bengaluru-headquartered B2B fintech platform that facilitates corporate payables and receivables management through card-based payment rails. The company operates as a technology intermediary between corporates/SMEs and regulated payment ecosystems, integrating with bank partners and global card networks to enable commercial card issuance, payment orchestration, and transaction workflows. Founded in 2023, the company positions itself as a unified payables-and-receivables layer for enterprises and small businesses, anchored by a principal banking relationship with ICICI Bank.
Fingertip's product surface is delivered via web and mobile and is structured around four modular product lines: Fingertip Corporate (corporate payables and receivables), Fingertip Edge (POS/ePOS infrastructure for merchants and field sales), Fingertip SME (working-capital and payment solutions for small businesses), and Fingertip B2B Commerce (commerce-layer support for business-to-business flows). Underlying capabilities include card-network connectivity (Visa, MasterCard), banking-grade API integrations, a KYC workflow partnered with Hyperverge, and continuous compliance monitoring through ControlCase. The platform is PCI-DSS v4.0 certified, an upgrade completed in 2026 from an earlier compliance baseline.
The business model is B2B SaaS-like with payment-rail economics layered on top. Go-to-market is anchored on the ICICI Bank partnership and augmented through card-network affiliations. Fingertip serves three named customer segments — Corporate Enterprises, SMEs, and B2B Commerce — through a quote-based, custom-pricing approach with no published rate card. Revenue mechanics likely combine platform/transaction fees and interchange-related economics on card flows, though specific revenue figures or ARR are not disclosed. The company is early-stage: incorporated 2023, a leadership team of approximately ten including five named advisors with senior banking pedigree from ICICI Bank, HDFC Bank, and Karur Vysya Bank, and no disclosed institutional funding rounds.
Fingertip firmographics
Firmographics- Name
- Fingertip
- Legal name
- Transcendz Paysol Private Limited
- Website
- https://thefingertip.in
- Company type
- Private
- Founded year
- 2023
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Fingertip is a Bengaluru-based B2B fintech platform that enables corporate enterprises, SMEs, and B2B-commerce players to manage payables and receivables via card-based rails, anchored by an ICICI Bank partnership and Visa/MasterCard network integration.
- Ownership category
- akta.pro rank
Fingertip industry classification
Industry- Product category
- B2B Payment Platform
- NAICS
- Other Nondepository Credit Intermediation (52229)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Alternative Payment Methods (APM) Enablement (Wallets, A2A, Local Rails) (FSAGABAJ)
Keywords
Where Fingertip is headquartered
LocationHeadquarters
- HQ city
- Bengaluru
- HQ country
- India
- HQ region
- Asia
Offices1 record
Markets served
Fingertip business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales
Revenue model
- Platform Transaction Fees: Fees charged on payment transactions processed through the platform for payable and receivable management.
- Commercial Card Services: Revenue from commercial card business through bank partnerships, including business cards, virtual cards, and purchase cards.
Go-to-market motion1 record
Distribution channels3 records
Marketing channels6 records
Fingertip product offering
Product offeringCore offering
Fingertip is a B2B fintech platform that enables businesses to manage corporate payables and receivables through a unified digital interface. The platform issues corporate cards (including single-use and multi-use cards), integrates with enterprise ERP systems, and provides approval workflows, expense controls, and reconciliation tools. It partners with banks such as ICICI Bank and card networks like Visa and MasterCard to deliver card-based payment solutions for businesses.
Product overview
Fingertip is a unified B2B fintech platform combining web and mobile applications that facilitates corporate payables and receivables management through a commerce, cash flows and cards ecosystem. The platform architecture consists of a core platform with integrated modules including ePOS (digital POS equivalent), Unified Interface, Credit Advantage (business credit cards), Controls (approval workflows), and Reconciliation capabilities. The platform connects banks, payment networks (Visa, MasterCard), and payment partners to enable real-time payment control with cost advantages. Fingertip operates under the legal entity Transcendz Paysol Private Limited and is headquartered in Bengaluru, India.
Differentiator
Problem solved
Functional benefit
Brands
- Fingertip Edge: Suite of payment solutions including ePOS (digital POS equivalent), Unified Interface (all-in-one platform for payables and receivables), Credit Advantage (unsecured business credit cards with up to 45 days interest-free credit), Controls (customizable payment approvals and spending limits), and Reconciliation (automated invoice reconciliation with ERP/accounting systems).
Products and services
- Fingertip Platform A unified B2B fintech platform that helps businesses manage corporate payables and receivables through digital interfaces, corporate card issuance, ERP integration, and approval workflows.
Quantifiable outcome
- Up to 45 days interest-free credit period available through platform
- +2 more outcomes
Companies that use Fingertip
Customer profileNamed customers3 records
Segments3 records
Ideal customer profiles2 records
Fingertip technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
Feature7 records
Fingertip partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core, major and supporting.
- ICICI BankcoreFingertip has partnered with ICICI Bank, a pioneer in Commercial card business with strong reference and use cases in multiple industries over decades. ICICI Bank is the principal partner for commercial card solutions distribution.
- VisacoreGlobal card network partner enabling international payment transactions and commercial card services through the platform.
- MasterCardcoreGlobal card network partner providing commercial card infrastructure and global payment network connectivity.
- Leading Payment GatewaysmajorPartnership with leading payment gateways for payment processing integration and transaction handling.
- HypervergesupportingTechnology partner for customer onboarding processes and KYC/verification services.
- ControlcasesupportingCertified by Controlcase for customer data security compliance under PCI-DSS standards.
Scale indicators1 record
Recent moves5 records
Expansion highlights5 records
Fingertip competitors and assessment
Company assessmentBroad incumbents
- Cashfree Payments: Well-funded Indian payments platform offering payouts, payment gateway, and B2B collection/payable solutions to enterprises. Operates in adjacent B2B payments space with much larger scale and broader product breadth than Fingertip.
- Razorpay: India's largest fintech offering payments, banking, and capital solutions to businesses — including B2B offerings like RazorpayX for corporate expenses and payouts. A broader incumbent with much larger scale and funding competing for the same enterprise B2B payments wallet.
- Ramp: US corporate card and finance automation platform with virtual cards, approval workflows, and ERP reconciliation — closely mirroring Fingertip's feature set (controls, virtual cards, reconciliation). Comparable as a global category benchmark for the unified B2B card + AP platform model.
- Brex: US-headquartered corporate card and spend management platform serving startups and enterprises with bank-issued cards, expense controls, and ERP integrations. Global category leader against which Fingertip's commercial card + controls offering can be benchmarked.
Emerging players
- Uni Cards: Indian fintech offering credit cards with multi-bank credit line aggregation — analogous to Fingertip's multi-bank credit access — though focused on consumer/SOHO rather than enterprise. Comparable in credit aggregation architecture.
Direct peers
- Karbon Card: India-focused B2B fintech issuing corporate cards with credit lines for SMEs and businesses, including expense management and integration features. Closest functional peer to Fingertip's Credit Advantage and unified payables modules.
- Volopay: Singapore-headquartered with strong India presence, Volopay offers corporate cards, expense management, bill payments, and accounts payable automation for SMEs — directly overlapping Fingertip's combined payables + receivables + card proposition.
- EnKash: Indian B2B payments and corporate card platform offering payables management, virtual cards, and credit lines to SMEs and corporates. Directly comparable to Fingertip in product scope (corporate cards + payables) and target customer base (Indian SMEs and enterprises).
- Zeta: India-founded enterprise B2B banking and payments platform providing corporate cards, accounts, and expense management through partner banks. Comparable architecture to Fingertip's bank-partnered commercial card model and enterprise target segment.
Others
- Payoneer: Global cross-border B2B payments platform enabling international receivables and payables for SMBs and marketplaces. Comparable as a thematic peer for cross-border B2B payments and receivables, though not direct in product scope.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Fingertip social profiles
Digital presenceFingertip compliance and trust
Trust signalCompliance1 record
Fingertip financial estimates
Financial estimateRevenue estimate
Valuation estimate
Fingertip leadership team
Management profileNumber of profiles
Profiles4 records
Fingertip funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Fingertip M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Fingertip
What does Fingertip do?
Fingertip is a B2B fintech platform that enables businesses to manage corporate payables and receivables through a unified digital interface. The platform issues corporate cards (including single-use and multi-use cards), integrates with enterprise ERP systems, and provides approval workflows, expense controls, and reconciliation tools. It partners with banks such as ICICI Bank and card networks like Visa and MasterCard to deliver card-based payment solutions for businesses.
Is Fingertip a public or private company?
Fingertip is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Fingertip founded?
Fingertip was founded in 2023. It employs 1 to 10 people.
Where is Fingertip based?
Fingertip is headquartered in Bengaluru, India, in the Asia region.
How does Fingertip make money?
Two revenue lines are on record. Platform Transaction Fees are the primary driver. The others are commercial Card Services.
Who are Fingertip's main competitors?
Broad incumbents on record are Cashfree Payments, Razorpay, Ramp and Brex. Uni Cards is listed as an emerging player. Direct peers are Karbon Card, Volopay, EnKash and Zeta. Payoneer is listed as an others.
Does Fingertip have an API?
No public API is recorded for Fingertip.
What industry is Fingertip in?
Fingertip's product category is B2B Payment Platform. Its primary akta.pro industry code is FSAGABAJ, Alternative Payment Methods (APM) Enablement (Wallets, A2A, Local Rails). Its NAICS code is 52229 and its SIC code is 6199.