Happay: Product updates, Customer stories, and Insights | 2026 Cuspera

Apple Inc. uses a balanced mix of debt and equity to support its $3 trillion market cap. In 2021, Apple had a weighted average cost of capital of 9.67% and managed a dual-class equity structure. The ...company raised capital through bonds and stock repurchases, increasing its debt-to-capital ratio from 56% to 148% over five years. Apple held $172.6 billion in cash and saw a 21% sales increase and 29% net profit growth in Q1 2021. Its financial structure attracts investors with a 19.10% expected return rate.
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Happay helped Relaxo automate expense management. Employees now file expenses on the go using a mobile app. SmartScan OCR captures invoice data and reduces errors. Policy automation lets Relaxo set a...nd change complex policies easily. Smart Audit flags policy violations. Relaxo achieved 100% policy compliance and full GST compliance. Reimbursements go directly to Happay wallets, saving time and helping with tax returns.
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Happay helped Emkay Global automate spend management. Before Happay, Emkay Global used manual processes for expense reporting and reimbursements. Employees struggled to capture expenses in multiple c...urrencies and faced delays. Happay provided accurate data recording and flexible expense filing. After implementation, Emkay Global saw a significant increase in reporting efficiency. Employees found the new system easy to use and more productive.
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Namaste Credit used Happay to automate travel and expense management. Manual processes caused delays, lost receipts, and poor spend visibility. Happay's platform enabled real-time spend tracking, sin...gle-click approvals, and faster reimbursements. The company improved compliance and reduced fraud risk. Automation helped Namaste Credit control costs and support rapid growth in the financial services sector.
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Happay helped Schunk India automate expense management. Manual accounting slowed processes and did not fit their lean management goals. Happay enabled real-time data capture and removed manual steps.... Employees quickly learned the new system. Schunk India saw faster, more reliable expense reporting and improved efficiency. The solution supported their focus on time savings and process stability.
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Happay EPIC helped Smallcase save 120% of credit limits previously locked in FDs. The platform cut expense management time by 90% with a user-friendly dashboard and multi-user access. Smallcase elimi...nated collateral requirements and improved spend visibility. EPIC cards enabled fast processing, zero forex charges, and easy integration with Tally. Teams across admin, tech, and marketing now manage expenses efficiently.
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