Spent N issues closed-loop, in-app credit after an eligibility review, then lets members spend that balance on hotels, food, bus tickets, train tickets, catering and services. Credit is spend-only: it is not a bank, not a cash-out wallet, and unused credit is not paid out to a bank account. Partners are paid by Spent N after fulfilment, and refunds return to the same ledger.
Fast facts
6
booking categories in the app
3.9M+
users on the platform
3,900+
corporate customers
50M+
credit issued
19
bank partners
100%
spend-only credit
0
cash-out or bank payout paths
1
in-app ledger from search to settlement
Last updated May 2026
The Spent N story
Select category
Hotels
Book stays with Spent N credit. The amount is held at checkout, then captured when the booking confirms. Unused credit stays in the app.
Food
Use eligible credit at restaurants and in-app meal bookings. Credit covers the bill up to your limit. Any gap is paid as copay — never withdrawn.
Bus tickets
Reserve intercity and local bus seats inside Spent N. Tickets are issued in the app. Cancellations refund to credit, not to a bank account.
Train tickets
Pay for rail bookings with your Spent N balance. Eligibility decides the limit. The ticket lives in My bookings with a voucher you can present.
Catering
Put events on the ledger. Caterers are paid by Spent N after fulfilment. You spend credit. They receive settlement from us.
Photographer hiring
Find photographers for weddings, events, portraits, and meaningful moments, then keep the booking and payment details in one place.
