Insights, budgets and alerts
Sapthan Pay doesn't just show your accounts side by side. It reads them together, so you can see where your money goes, and hear about problems before they happen.
Sapthan Pay is in pre-release testing. Right now it connects to test banks in a sandbox and no real money moves. Join the waitlist to be first in when it opens.
Insights across every bank
Transactions from all your linked accounts are sorted into categories (groceries, transport, bills, subscriptions and more), so you see spending and income for the month as one picture, not bank by bank.
A monthly budget
Set one budget for the month across all accounts. The Insights screen shows what you've spent, what you've received, and how much budget is left.
Alerts worth getting
We send few notifications on purpose. Each one should tell you something you'd want to know before it happens:
- Tomorrow's debits: a day's notice of an automatic payment, with what your balance will look like afterwards.
- Low balance: against a minimum you choose, and if something is due that week, it says so in the same alert.
- A payment worth a second look: a double charge, a subscription that went up, a new recurring payment, or one far outside your usual pattern.
Alerts never move money. They read your accounts and tell you; you decide what to do.
History and statements
Search and filter every transaction from every account in History. Download a statement for any period as a PDF or CSV, useful for your records, your accountant or a tax return.
Where it comes from
All of this is built from the account data your banks share when you connect them. Our analytics never record your amounts, balances or account numbers.