| Channels | YONO Business single sign-on spanning Corporate Internet Banking/Net Banking, Cash Management Product, Supply Chain Finance, eTrade and eForex. | NEO for Business/Corporates, Corporate Internet Banking, Axis Mobile Corporate and API-based services are presented as business transaction-banking channels. |
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| Eligible relationships | Corporate/business customers with eligible SBI accounts and enrolled modules; new-to-digital sole proprietors can self-onboard using debit-card authentication. | Eligible Axis current-account/business/corporate customers with the relevant channel and service activation. |
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| Roles / approvals | Corporate users can be separated into Regulator, Administrator and Authoriser roles with predefined functions mapped to organisational hierarchy. | Axis corporate payout APIs explicitly support an approval workflow; corporate Internet/payment modules use authorised-user controls according to the customer's setup. |
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| Payments / bulk | SBI-to-SBI, NEFT, RTGS, IMPS, supplier payments, VAN-based payments and bulk payments through file upload are listed among supported services. | Bulk/vendor/salary/statutory payments are supported through business platforms; the payment module includes direct credit, IMPS, NEFT, RTGS and other payout instruments. |
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| Collections / reconciliation | Cash Management Product, State Bank Collect, VAN-based flows, statements and MIS reports support collections and reconciliation; exact commercial terms depend on the enrolled service. | Collections span cash, cheque, electronic payments and payment gateway; Axis APIs support real-time transaction updates and reconciliation-oriented status feeds. |
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| Cash management | YONO Business subsumes SBI's Cash Management Product alongside corporate banking access. | NEO is positioned around cash management, payments, collections, trade finance, supply-chain finance and treasury/forex workflows. |
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| API / ERP | The reviewed YONO Business overview does not establish a universal API/ERP entitlement for every customer; integration rights are therefore not inferred. | Corporate payout and collection APIs support ERP/system integration, transaction status, reverse-feed callbacks and beneficiary/account validation. |
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| Limits / controls | Transaction rights are role/account/module specific. No universal corporate rupee ceiling is published on the reviewed overview, so configured limits remain controlling. | Approval workflow, user rights and product-specific limits govern payments; no bankwide corporate ceiling is inferred from the reviewed evidence. |
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| Charges | No universal platform/transaction fee is asserted; underlying corporate account, CMP and transaction tariffs/agreements remain controlling. | Current-account, payout, collection, API and merchant pricing can be separately contracted; no universal free-service claim is made. |
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