[❓ FAQ]
Frequently Asked Questions.
Everything you need to know about SpacePe.
SpacePe is a Banking-as-a-Service (BaaS) platform for Indian businesses. It provides multi-bank account management, invoicing, bill payments, virtual accounts, treasury management, payroll, fraud detection, compliance, analytics, embedded BaaS for platforms, and 80+ bank API tools - all in one platform.
Razorpay and Cashfree are payment gateways. Open Money is a connected banking tool. SpacePe is the complete financial operating system - banking, treasury, virtual accounts, invoicing, payroll, fraud detection, 170+ audit logs, compliance, and embedded BaaS. We replace 5+ disconnected tools with one platform.
Decentro, Setu, and M2P are API infrastructure providers - they give developers building blocks. SpacePe gives you both: a ready-to-use dashboard for your finance team AND 80+ bank APIs for developers. You can use one or both.
Deep integrations (direct API) with Yes Bank, IDFC First Bank, and RBL Bank. Integrated via aggregation: SBI, ICICI Bank, Bank of Baroda, PNB, HDFC Bank, Bandhan Bank, and AU Small Finance Bank.
Virtual accounts are unique account numbers generated per customer, invoice, or deal. When a customer pays to their VA, SpacePe auto-matches it to the correct invoice - eliminating manual reconciliation.
Embedded BaaS lets platforms and SaaS companies white-label SpacePe infrastructure. Your customers can hold funds, make payments, manage invoices within YOUR product - powered by SpacePe behind the scenes.
Real-time cash positioning across all connected banks (updated every 15 minutes), FD and investment tracking, auto-sweep rules, liquidity forecasting, inter-company transfers, and bank relationship analytics.
Yes. Bulk salary disbursement through connected bank accounts, auto TDS calculation, digital payslips, PF/ESI/professional tax, reimbursement workflows, and multi-branch payroll.
Yes. DPDP compliance built in - consent management, data subject request processing, privacy impact assessments. Plus 170+ audit log types for full RBI readiness.
14 days. Phase 1: data import (3 days), Phase 2: configuration (4 days), Phase 3: parallel run (5 days), Phase 4: go live (2 days).
Yes. Starter plan is free for up to 5 users with 1 bank account, basic invoicing, UPI & NEFT payments. No credit card required.