Pazy for D2C & Consumer Brands

Every state, every channel. One set of books.

Marketplace fees, 3PL invoices, agency retainers and factory bills — read, routed to the right GSTIN and posted the day they land.

15 GSTINs, one platformPilgrim bills across 15 states on Pazy
1,000+ hours a yearsaved by Pilgrim's finance team, with no new hires
95% of creditorslive on Pazy at ₹700 Cr+ revenue
India's consumer brands run payables on Pazy
Pilgrim Nua Woman DailyObjects Salve Pharma
A week in a growing brand, in money

The brand scales weekly. The books keep pace.

One week across warehouses, marketplaces and agencies — every rupee landing against the right state, channel and SKU.

09:103PL billWarehouse invoice, Bhiwandi

Read line by line against the SLA.

11:40MarketplaceCommission statement lands

Fees split by channel and SKU.

13:00GSTVendor bills from a new state

Routed to the right GSTIN.

15:203-way matchAgency retainer above the SOW

Held before payment, not at audit.

17:00ApprovalFounder approves on a phone

PO and invoice attached.

18:30BooksPosted state-wise to Tally

State P&L already current.

Multi-state GST

Fifteen GSTINs shouldn't mean fifteen processes.

Vendors bill from whichever state ships. Each invoice is routed to the right GSTIN, with place of supply checked before it posts.

  • Auto GSTIN routing
  • Place-of-supply checks
  • ITC state by state
Invoices landing · todayLive
MH
Bhiwandi 3PL · storage₹4,18,000 · GSTIN 27
Routed to 27
KA
Bengaluru courier · COD₹1,92,400 · GSTIN 29
Routed to 29
DL
Agency retainer · Delhi₹3,50,000 · GSTIN 07
Awaiting SOW
!
Place of supply mismatchbilled 27, ships from 29
Held
Channel spend

Marketplace fees and agency retainers, reconciled not assumed.

Commission statements and retainers are checked against the contract before anybody approves a payout.

  • Commission statements
  • Retainer vs SOW
  • Ad spend on cards
Agency retainer · OctoberMatching
Signed SOW₹3,00,000 per month
Matched
Invoice raised₹3,50,000
+₹50,000
Approved scopeno change order on file
Checked
Held for a change order before payment — not found at audit.
Warehouse & 3PL

Every 3PL bill checked against what actually shipped.

Goods receipts, storage slabs and per-warehouse cost centres, matched before an invoice clears.

  • GRN matching
  • Per-warehouse cost centres
  • Storage slab checks
Creditor ageing by warehouseLive
Bhiwandi
₹18.4 L
Bengaluru
₹11.2 L
Gurugram
₹7.6 L
Guwahati
₹2.1 L
Month-end

Close in days, state by state.

Vouchers post as bills clear, so creditor ageing is a live view rather than a month-end reconstruction.

  • Tally and Zoho posting
  • Live creditor ageing
  • Audit trail per invoice
Posted to Tally · this weekSynced
MH
Maharashtra books412 vouchers
Posted
KA
Karnataka books266 vouchers
Posted
TN
Tamil Nadu books148 vouchers
Posted
Where invoices stop, cards and claims start

Ad accounts, sampling, shoots — all on your rails.

Growth spend moves faster than procurement ever will. Same controls, same ledger.

Cards for growth spend that stay inside the plan.

A virtual card per ad account, per agency, per tool — with the limit set before the spend, not argued after it.

  • Virtual card per ad account — Google, Meta, marketplace ads
  • Per-team monthly limits that double as the budget
  • MCC-level control — categories you allow, nothing else
  • Mandatory receipts captured at swipe, matched to the vendor
One card rail
ad accounts, SaaS and sampling on the same ledger as vendor bills
See corporate cards

Field marketing claims, settled on time.

Sampling runs, influencer shoots, quick-commerce visits — filed from a phone, checked against policy, paid in the next cycle.

  • Policy checks at submission, not after the payout
  • WhatsApp capture for every receipt from the field
  • Shoot and sampling advances that settle against receipts
  • Bulk payouts from your bank, synced to your ERP
Next cycle
claims filed from a phone, paid on your normal run
See reimbursements
The product, running

Bulk payouts, bank-connected.

Consumer brands on Pazy
The brands filling India's carts — beauty, food, apparel, electronics — run their payables on Pazy.
Pilgrim · Nua Woman · DailyObjects · Salve Pharmaand consumer brands scaling across 15+ states
₹700 Cr+
revenue running through the books Pilgrim keeps on Pazy
80+ days
of finance time given back to Pilgrim's team every year
The rest of the stack

One platform for every rupee the brand spends.

Payables is where most brands start. The rest of the stack is already wired to it.

Customer story
I would recommend Pazy to every D2C and e-Commerce brand. It is user friendly, the role-based access is right, and data retrieves properly. I'm connected to Pazy for the long term. Process-wise, I would give it 10 out of 10. No doubt.
Ravikumar KanojiaFinance Controller, Pilgrim
Read the full story
1,000+ hrs
saved every year, without adding a person to the team
15
GSTINs and 15 states managed on one platform
95%
of creditors live on Pazy
95%
bill capture accuracy — straight from photos and PDFs
75%
faster book closing
₹200 Cr+
saved in input tax credit
100+ hrs
saved per month on bill processing
Posts to the books you already keep
Tally Zoho Books NetSuite Oracle Fusion Odoo
Frequently asked questions

What D2C finance teams ask us first.

We hold 15 GSTINs. Does every one need its own workflow?

No. Vendors bill from whichever state ships, and Pazy routes each invoice to the correct GSTIN, checks place of supply, and keeps input tax credit visible state by state — one process, fifteen registrations.

Can marketplace commission statements be reconciled, not just booked?

Yes. Statements are read line by line and split by channel, so the fee you were charged is checked against the fee you agreed before it reaches the books.

Our 3PL bills for storage slabs and per-order handling. Can that be checked?

That is the default. Storage slabs and handling lines are matched against the contract and the goods receipt, and anything above the agreed rate is held with the evidence attached.

Does spend split by warehouse and channel in Tally?

Yes — every transaction posts with its warehouse, state and channel as cost centres, so contribution by channel is a live view rather than a month-end spreadsheet.

How does ad spend on cards get reconciled?

A virtual card per ad account keeps the spend separated at source. The platform receipt is matched to the card transaction automatically, so nothing sits in a suspense account waiting for someone to remember what it was.

Bring one 3PL invoice and your SLA. We'll match it live.

A 30-minute demo on your own brand's paperwork — warehouse to ledger, end to end.

Get a Demo

With Pazy work smarter, not harder

Start automating tasks today and give your team more time to focus on what matters.

With Pazy
work smarter,
not harder

Start automating tasks today and give your team more time to focus on what matters.

With Pazy work smarter, not harder

Start automating tasks today and give your team more time to focus on what matters.