Same tax benefit, open RuPay network, ₹400 per employee one-time with no annual fee, and the one thing none of them do well: a canteen card for the factory floor and a meal card for the head office on one platform.
| Feature | YPayX | Sodexo / Pluxee | Zaggle | Paper vouchers |
|---|---|---|---|---|
| Network | Open RuPay — any merchant | Open network | Open network | Partner outlets |
| Pricing | ₹400 per employee, one-time · no annual fee | Varies | Varies | Printing + logistics |
| Blue-collar canteen card | Yes, live at plants | Limited | No | Limited |
| Bulk co-branded gift cards | Yes | Yes | Yes | Yes |
| Hyperlocal merchant offers | Yes | Some | Some | No |
| Go-live | 48 hours | 1–2 weeks | 1–2 weeks | 2–3 weeks |
Competitor details are from public websites as of October 2026 and may change; verify with the vendor. Sodexo, Pluxee, Zaggle and Paytm are trademarks of their respective owners; YPayX is not affiliated with them.
The tax benefit is the law's, not the vendor's: ₹200 per meal under Rule 15 of the Income Tax Rules 2026, ₹15,000 a year for gifts, both regimes. What differs is network, fees, speed, support and whether the vendor can also serve your plant workers.
If you want group health insurance and a meal card from one vendor on one invoice, an insurance-led platform may suit you. YPayX sells cards only — that is why ours are cheaper and go live faster.
YPayX charges ₹400 per employee, one-time — no setup fee, no annual fee, no hidden charges. Compare that against your current vendor's annual and load charges.
Yes. Cards issue in 48 hours; existing balances with the old vendor are spent down naturally. No lock-in.
Yes. The meal and gift benefits come from the Income Tax Rules 2026, not the vendor.
Yes — a closed-loop canteen card for 100+ worker units, already live at sugar mills in western UP.
An RBI-licensed prepaid payment instrument (PPI) issuer partner; YPayX runs the programme, dashboard and support.
15-minute call. We show the exact tax savings for your salary bands and a go-live plan for this month's payroll.