| Channels | YONO Business single sign-on spanning Corporate Internet Banking/Net Banking, Cash Management Product, Supply Chain Finance, eTrade and eForex. | InstaBIZ mobile app plus Corporate Net Banking, with APIs and host-to-host connectivity available for eligible corporate integrations. |
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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. | Existing ICICI Current Account customers receive transactional access; non-ICICI/guest users can access selected merchant/onboarding services. |
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| Roles / approvals | Corporate users can be separated into Regulator, Administrator and Authoriser roles with predefined functions mapped to organisational hierarchy. | Role-based Maker/Checker access is explicitly supported; a Maker raises a request and a Checker can approve it, with single/dual authorisation depending on 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. | NEFT, RTGS, IMPS, UPI, single and bulk payments, salary/vendor/dividend payouts, BizPay360/iMultiPay and file-based corporate payments are supported. |
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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. | Virtual Account collections, merchant analytics, ERP integration, payment links/QR and detailed reconciliation are supported across the business stack. |
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| Cash management | YONO Business subsumes SBI's Cash Management Product alongside corporate banking access. | InstaBIZ lists cash-management services; ICICI corporate payment solutions support scalable collections/disbursements and H2H/API operations. |
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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 Net Banking APIs/H2H and ERP integration support automated payment and reconciliation workflows. |
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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. | Quick transfer without payee registration is up to ₹20,000/day/payee on the reviewed InstaBIZ page; other corporate limits remain account/channel/approval specific. |
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| Charges | No universal platform/transaction fee is asserted; underlying corporate account, CMP and transaction tariffs/agreements remain controlling. | InstaBIZ app usage itself is stated as free; underlying account, payment, merchant and service pricing remains separately applicable. |
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