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Product

PhyloPay is your financial operating system.

It connects accounting, compliance, banking, collections, payouts, vendor and payroll operations, and team collaboration — with an AI layer that supervises books and surfaces what needs attention.

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Architecture

Grouped capabilities, one coherent system.

Instead of bolting tools together, PhyloPay maps how Indian businesses actually run money — from transaction capture to tax positions to bank movement.

Ledger & documents

Transaction engine, bank parsing, invoices, clients, P&L, cash flow projection, targets, loan and creditor tracking.

Compliance engines

GST and TDS engines with reconciliations, ITC summary, challan verification, PAN and GSTIN validation.

Money movement

LEDGERS integration, payouts, collections, vendor payments, purchase orders and receipts.

Intelligence & control

AI Chat Advisor, AI Copilot, Supervisor Agent, AI Reports — plus tasks, calendar, Gantt, notifications, and role-based access.

Flow

How data moves through PhyloPay.

Sources
Bank · Tally · Razorpay · WhatsApp
PhyloPay core
Books · Tax · Tasks
Outcomes
Filings · Payouts · AI signals

PhyloPay sits between operational systems and compliance — so numbers, tax, and cash stay tied.

Workspace

Accounting, compliance, banking, and AI — in one rhythm.

Workspace — Books / Tax / Bank / AI

Today

  • Reconcile bankDue
  • GSTR-2B vs booksReview
  • Vendor payouts6

AI Copilot

“Summarize TDS variance for Q1 and list invoices missing deduction.”

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Administration

Multi-tenant, implementation-ready.

Multi-user auth, tenant management, admin panel, onboarding, pricing plans, payroll, and employee management — structured for firms that onboard many businesses.

Roadmap

Shipping next — honestly stated.

  • Email notifications
  • Full audit trail
  • Automated backup / export
  • Bank feed via Account Aggregator framework
  • Mobile app
  • Multi-entity support

Walk the architecture with us.

See how PhyloPay maps to your chart of accounts, tax calendar, and banking setup.

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