Prepaid Expense and Reimbursement Card Platform

SBI PERC

PERC (Prepaid Expense and Reimbursement Card Platform) is a flagship offering by BTPL, designed to revolutionize expense management for enterprises in the BFSI sector. PERC provides a fully digital platform that simplifies reimbursements, advances, and incentives by leveraging prepaid card solutions. From seamless corporate onboarding to real-time fund loading and usage tracking, PERC enables organizations to achieve efficiency and control over their financial workflows.

Real World Use Case

Here are real-world scenarios demonstrating how BTPL adds value to BFSI businesses

The Challenge

A large bank needed to simplify and digitalise the journey for their large corporate customers for employee advances and reimbursements across 50,000+ employees, ensuring auditability and compliance.

Solution - PERC

BTPL deployed the PERC (Prepaid Expense and Reimbursement Card Platform) in an on-premises model.

Customized Rules: Corporates can customize card usage limit for specific teams and employees.
Real-Time Tracking: Integrated reporting dashboards provided expense visibility and control.
AI ML Powered development enabling quick adaption

Outcome

Reduced manual processing by 70%.
Improved employee satisfaction through faster approvals.
Achieved regulatory compliance with transparent audit trails.

Complete Customisation

The platform allows unlimited hyper-personalized card usage, tailored for specific employee roles such as field agents, drivers, or sales teams. For example, meal-only cards can be issued for tax-saving purposes, while driver cards control expenses related to fuel and food. Corporates can access detailed dashboards and MIS reports to track active cards, utilization rates, and fund allocation, providing complete transparency.

PERC supports multiple deployment models—on-premises, cloud, and SaaS—ensuring scalability and flexibility. It is backed by bank-grade security, making it a trusted choice for expense automation across large organizations.