Have your queries answered

General Queries

How are Optima Meal Vouchers different from other solutions?

Optima Meal Vouchers are first-of-its-kind electronic meal vouchers issued by Zeta in partnership with the RBL bank. Being a unique digital solution, Optima Meal Vouchers take away the hassles of physically storing, saving and sending vouchers to employees every month. The entire solution can be run and managed through a user-friendly desktop interface in a few clicks. Our solution is also 100% compliant with RBI and Income Tax guidelines. We also offer a unique advantage of allowing companies to customise their entire meal voucher programme as per the requirements of a company.

How can we signup for Optima Meal Vouchers?

You can signup with Optima through our website. Find the signup tab at the right top corner, click on the tab and select ‘For HR admins’. You can create an account free of cost from here. Alternatively, you can reach out to us at 022 61123989 or write to us at corpsales@zeta.in and our representatives will reach out to you for signing you up.

How can we send Optima Meal Vouchers to employees every month?

Sending meal voucher credits to employees every month can be done in a few clicks through our user-friendly digital dashboard. Just upload employee details like name and email ids/phone numbers and select a particular date to send grants. Meal vouchers will be sent to your employees automatically on the scheduled date.

Where will our employees be able to spend Optima Meal Vouchers?

Optima Meal Vouchers enjoy the widest acceptance in India. They can be used to buy food and non-alcoholic beverages at any store that accepts card payments. Moreover, your employees can buy food from office cafeteria and even from online food delivery services using Optima Meal Vouchers.

How can employees start using Optima Meal Vouchers?

Optima Meal Vouchers can be used via the Zeta Super Card®, Super Tag™ and app, which are all connected to the Zeta accounts of each employee. While we are onboarding you, our representatives will help your employees download their Zeta app and activate their Super Card® and Super Tag™.

What if some employees do not have smartphones?

Optima Meal Vouchers can be used by employees who do not have smartphones. They can make their expenditure via our Mastercard-powered Super Card® which is accepted at all stores that accept card payments. They can track their balance and access their account via Zeta on Web, our web-based desktop interface, accessed via the Zeta website.

Is Optima compliant with legal norms?

Yes. Optima is 100% compliant with all RBI and Income Tax guidelines.

Usage

How can we customise our programme?

Optima offers the unique advantage of a 100% customisation of our solutions as per the requirements of your company. We can tailormake your Optima Meal Vouchers solution your way to fit in any requirement that you may have. You just need to reach out to your account manager and let them know about the customisations you need.

How will we send voucher credits to our employees?

You need to upload the details of your employees like their names, numbers/email ids on our digital dashboard and select a date for payouts. Just ensure, there are enough funds in your Optima account for all the payments to go through. You can easily add funds to your account by NEFT or cheque transfers.

Can we access reports on our usage?

Yes, Optima’s unique digital dashboard gives you access to all kinds of reports and analytics that you may need to track your meal voucher programme. You can opt for employee specific reports, usage patterns, projection reports and more using our dashboard.

Is there a way of revoking credits sent by mistake?

Yes, using the dashboard, you can easily revoke an order that you have sent out by mistake. However, if the user has already used the credits, you’ll have to settle this internally. Unused credits can always be revoked.

General Queries

What is the Zeta Optima™ Gift Card?

The Zeta Optima™ Gift Card is a prepaid digital solution that offers tax-saving gift vouchers for employees upto a sum of Rs 5,000. The Zeta Optima™ Gift Card appears as a virtual card in your employees’ Zeta accounts on the cloud. You can send grants to this card, which can be spent at over 12 lakh stores and online via the Zeta Super Card® and the Zeta app.

How much can employees save with the Zeta Optima™ Gift Card?

According to the Income Tax Act, gifts cards for employees can help them save taxes on a sum of up to Rs 5,000. Employees can save up to 30% in taxes of the value of the gift issued to them.

How can we issue the Zeta Optima™ Gift Card to our employees?

Sending gift grants to employees happens through our online dashboard. You will first need to create an account for your company. The online dashboard serves as a command centre for the entire Zeta Optima™ suite of employee tax-saving benefits.

From here you would need to:

  • Opt in for the Gift programme

  • Add a list of employees who would receive the grants in their Optima Gift Card

  • Schedule a date for payout of grants

  • Add funds

The sign-up page can be found at https://corp.zetaapps.in/#/login. Alternatively, you can also call +91 22 61123989 to speak to us directly and access assistance in signing up with us through our team of experts.

Where can employees spend their Zeta Optima™ Gift Cards?

These employee gift cards can be spent at over 12 lakh stores and online through the Zeta payment suite. The suite includes the Zeta app, which features several third-party apps integrated into it, like food ordering services, online shopping apps and more; and the Zeta Super Card® a Mastercard- or RuPay-powered card, which can be swiped like a debit card inside a store or used online.

Can we issue a gift card of value more than Rs 5,000?

It is the prerogative of the company to set any value onto the gift card. However, amount exceeding Rs 5,000 will be taxable.

We’d like to know more about how can we get in touch?

You can write to us at corpsales@zeta.in and our team will reach out to you. Do let us know if you’d like a personalised demo of how the entire process would work.

Usage

What aspects of the Zeta Optima™ Gift Card can we customise?

One of the key features of the entire Zeta Optima™ suite is the level of customisability. As an organisation, you can specify the frequency in which grants are credited to your employees’ Zeta Optima™ Gift Cards, which employees receive these grants, how much each employee is eligible to receive, where employees can spend these gifts, whether the gifts can be spent only via the Zeta app or only via the Super Card® and more.

The Zeta Optima™ Gift Card is the only 100% customisable corporate gifting solution in the country. To customise how the Zeta Optima™ Gift Card is implemented in your company, reach out to us and we’ll help you out.

Is there a way of revoking grants sent by mistake?

Yes, using the dashboard, you can easily revoke any grants that you may have sent out by mistake. However, if the user has already spent the grants issued, you will have to settle this internally. Unused credits can always be revoked.

General Queries

What is Optima Medical Reimbursements?

Optima Medical Reimbursements is a digitised employee tax benefits solution and offers employees the option to claim up to Rs 15,000 as tax-free reimbursements in a year. It is completely paper free and using this, you can distribute grants to all employees, anywhere in the country, in just a few seconds. Our solution also allows you to outsource all bill verifications to Optima and access reports/analytics on your programme digitally. Optima grants can be sent to employees via the same Zeta platform that supports all the other employee tax benefits that comprise the Optima smart benefits suite.

How is Optima Medical Reimbursements different from existing solutions?

Optima Medical Reimbursements is the first digitised medical reimbursements solution in the world. The traditional form of claiming tax benefits through medical reimbursements involves a lot of paperwork, manual bill verification, saving and storing paper bills for a long time and more. Optima makes the process quick and paperless for the first time. With Optima Medical Reimbursements, employees can make claims on-the-go via the Zeta app and all verifications and statement preparations are outsourced to Optima’s experts.

How can we offer Optima Medical Reimbursements to our employees?

The first step is to create an Optima account for your company. This will give you access to the Optima corporate dashboard, which serves as the command centre for the entire Optima smart benefits suite.

From here you can

  • Add funds

  • Schedule a date for payout of grants

  • Access reports and statements

The sign-up page can be found at https://corp.zetaapps.in/#/login. You can also call +91 22 61123989 to speak to us directly and access assistance in signing up with us through or team of experts.

How can we send Optima Medical Reimbursements to our employees?

Once you’ve logged in to your company’s Optima account, you will need to add funds to ensure that employees receive their grants. The funds are added to a pool account owned and operated by RBL Bank Ltd. To transfer grants, upload a .csv, .xls or .xlsx file containing employee details like name, email id and phone number (a sample form can be found on the dashboard itself). Finally, select a date for the payout and the grants will be distributed automatically.

How much can we transfer to employee’s accounts?

While the Income Tax Act specifies that employees can claim up to Rs 15,000 as tax-free medical reimbursement, as an organisation, there is no limit on how much can be transferred to employees. But non-KYCd employees cannot hold grants worth more than Rs 20,000 in their card. This limit rises to Rs 1 lakh after KYC.

What if an employee submits a bill that is illegible?

Optima uses specially-developed software that can read text. It is far more capable than the human eye at recognising characters.

How often can we transfer grants to employees?

This is entirely dependant on your company policy. Since transfers can be scheduled, the Optima corporate dashboard offers the flexibility of distributing grants any number of times in a year.

How can employees spend the balance in their Optima Medical Reimbursements Cards?

Employees can spend the balance in their Optima Medical Reimbursements Cards through the Zeta app and the Mastercard-powered physical card, the Zeta Super Card®. During the onboarding process, employees will receive their Zeta Super Cards®. They will also be educated about use and features of the Super Card® and the app.

Where can employees spend the balance in their Optima Medical Reimbursements Cards?

Employees can spend the balance in their Optima Medical Reimbursement Cards or claim bills from pharmacies, doctor’s offices, labs and offices of other medical practitioners and online medicine delivery stores. However, it is possible for you to customise and specify where employees can spend their grants.

Usage

What aspects of the Optima Medical Reimbursements programme can we customise?

Every aspect of the programme, from the employees who are eligible, to where and how grants are spent, and more can be specified by you. Optima Medical Reimbursements is the only fully-digitised, 100% customisable medical reimbursements programme in the country.

To customise the implementation of the Optima Medical Reimbursements programme reach out to us and we’ll help you out.

Is there a way to access the reports prepared by Optima?

Yes, you can. The Optima corporate dashboard gives you access to reports such as:

  • Order history

  • Employee-wise statements

  • Consolidated statements

  • Analytics

Is there a way of revoking credits sent by mistake?

Yes, using the dashboard, you can easily revoke an order that you have sent out by mistake. However, if the user has already used the credits, you’ll have to settle this internally. Unused credits can always be revoked.

What happens to the grants if an employee leaves our company?

While an ex-employee can use the grants that have been credited to him or her, it is still possible for you to revoke any unused credits.

What happens to any unused credits in employee’s accounts at the end of the financial year?

Any balance that remains in the Optima Medical Reimbursements Card is automatically transferred to the employee’s Cash Card. You can factor this amount in while processing employee payroll. It is also possible to automatically revoke any unused grants, which can be credited back to the employee after making necessary tax-related deductions.

Generic Queries

What is the Optima Communications Card?

The Optima Communications Card is a digital solution that allows you to manage your organisation’s communications reimbursements programme. It helps employees save up to 30% in taxes on the bill payment of mobile, landline and internet connections used for work purposes. You can also save time and resources by electronically distributing communication grants to employees in an instant, outsourcing claim verifications and more.

How can we offer the Optima Communications Card to our employees?

The first step is to create an Optima account for your company. This will give you access to the Optima corporate dashboard, which serves as the command centre for the entire Optima smart benefits suite.

From here you can

  • Add funds

  • Schedule a date for payout of grants

  • Access reports and statements

The sign-up page can be found at https://corp.zetaapps.in/#/login. You can also call +91 22 61123989 to speak to us directly and access assistance in signing up with us through or team of experts.

How does the distribution of grants take place?

To distribute grants to employees, you must first ensure that sufficient balance is maintained in the corporate pool account owned and operated by RBL Bank Ltd. To transfer grants, upload a .csv, .xls or .xlsx file containing employee details like name, email id and phone numbers (a sample form can be found on the dashboard itself). Finally, select a date for the payout and the grants will be distributed automatically.

How much can we transfer to employees?

As an organisation, there is no limit on how much can be transferred to employees. However, non-KYCd employees cannot hold grants worth more than Rs 20,000 in their Optima Communications Card. This limit rises to Rs 1 lakh after KYC has been done.

What is the maximum amount employees can claim every month?

According to the Income Tax Act, there is no upper limit on how much can be claimed. The Act specifies that employees can claim reimbursements on the actual value of the bill. As an organisation, however, you can specify an upper limit on how much each employee can receive as a tax-free reimbursement.

How often can we transfer grants to employees?

This is entirely dependant on your company policy. Since transfers can be scheduled, the Optima corporate dashboard offers the flexibility of distributing grants any number of times in a year.

What can the balance in the Optima Communications Card be used for?

The Optima Communications Card can be used to claim tax benefits on mobile, landline, data card and internet bills. These bill must be issued in the employee’s name and the connections must be used by employees only for work-related purposes.

Usage

What aspects of the Optima Communications Card programme can we customise?

Every aspect of the programme, from the employees who are eligible, to where and how grants are spent, and more, can be specified by you. The Optima Communications Card is the only fully-digitised, 100% customisable communications reimbursements programme in the country. To customise its implementation reach out to us and we’ll help you get started.

Can we access the reports prepared by Optima?

Yes, you can. The Optima corporate dashboard gives you access to reports such as:

  • Order history

  • Employee-wise statements

  • Consolidated statements

Is there a way of revoking grants sent by mistake?

Yes, the Optima corporate dashboard allows you to easily revoke an order that you have sent out by mistake. However, if the user has already used the grants, you will need to settle this internally.

What happens to the grants if an employee leaves our company?

While an ex-employee can use the grants that have been credited to him or her, it is still possible for you to revoke any unused credits.

What happens to any unused credits in employee’s accounts at the end of the financial year?

Any balance that remains in the Optima Communications Card is automatically transferred to the employee’s Cash Card. You can factor this amount in while processing the employee payroll. It is also possible to automatically revoke any unused grants, which can be credited back to the employee after making necessary tax-related deductions.

General Queries

What is the Zeta Optima™ Fuel & Travel Card?

The Zeta Optima™ Fuel & Travel Card is a digital solution that lets you distribute fuel allowances/ reimbursements to employees within a few clicks through Zeta’s digital platform.

How is the Zeta Optima™ Fuel & Travel Card different from other fuel vouchers?

The Zeta Optima™ Fuel & Travel Card is a digital benefits card that covers all aspects of fuel allowance and reimbursements, car hire, car lease and cab reimbursements. Employees can use the card at any fuel station. And, unlike other cards, the Zeta card doesn’t carry any annual fees.

What is the validity of the Zeta Optima™ Fuel & Travel Card?

There is no defined validity period by default. However, you can specify a validity period as per your company’s policy.

What are the transport allowance limits?

While there is no limit for the amount of conveyance allowance that can be issued to employees, the tax exempt limit is Rs. 1,800 per month for cars with a 1.6 litre engine capacity and Rs. 2,400 for cars with an engine capacity that is greater than 1.6 litres.

How can we sign up for this programme?

You can sign up with Zeta Optima™ through our website. Find the sign up tab at the top right corner, click on the tab and select ‘For HR admins’. You can create an account free of cost from here. Alternatively, you can reach out to us at 022 61123989 or write to us at corpsales@zeta.in and our representatives will help you.

Is the Zeta Optima™ Fuel & Travel Card compliant with the regulations of the Income Tax Act?

Zeta Optima™ Fuel & Travel Card is 100% compliant with the Income Tax Act and the Information Technology Act, 2000.

Can employees save on taxes with Zeta’s fuel vouchers?

Yes, they can save upto Rs. 11,880. You can find more information here.

How do we contact Zeta support?

Please write to support@zeta.in.

Usage

How can Zeta be integrated with a company’s existing benefits programme?

You can create an account with Zeta through our website. Once you register, you will have access to the Zeta Corporate Dashboard that lets you manage the programme - everything from transferring funds to employees within a few clicks to viewing reports and so on.

Zeta can also be integrated with any third-party payroll software.

How do we load vouchers into the Zeta Optima™ Fuel Card?

  • Go to the Zeta Corporate Dashboard (https://mv.dash.zeta.in/)

  • Go to the Fuel Card tab and click on “New Fuel Cards Order”

  • Upload an Excel sheet with the employee’s name, contact details (email ID or phone no.) and the total value of fuel vouchers to be loaded into the fuel card for each employee

  • Select the date on which the vouchers have to be loaded and create the order

How can we add funds meant to be distributed to the Zeta Corporate Dashboard on the web?

You can use NEFT/ IMPS to transfer funds.

In what denominations can we load the Zeta Optima™ Fuel & Travel Card?

There is no restriction in this regard. You can load whatever amount you need to.

Can we customise the programme according to our company rules?

Yes, you can.

What customisations are possible?

You can:

  • Enable or disable the ‘upload bill’ option

  • Define the validity period of fuel vouchers

  • Customise the card design

And many more, as per your company requirements.

Can the same Zeta Corporate Dashboard be used by HR/ Admin to upload orders for both fuel card and meal vouchers (and any other programs)?

Yes, and we recommend they keep it the same.

How is the Zeta Optima™ Fuel & Travel Card for car hire used?

The car hire option is typically used when an employee rents a car from a third party for an official purpose. Two models for car hire are supported:-

  • When the employee incurs expenses related to fuel and maintenance, bills have to be uploaded by the employee using the Zeta app for approval by Zeta. Once approved, the reimbursement amount will be credited in the employee’s Zeta Cash Card

  • We also support direct bill uploads by the owner of the hired car (vendor) and direct payments can be made to them in case they bear the expenses

How can we cancel an order?

You can cancel your order on the Zeta Corporate Dashboard in the “Open Orders” tab. An order can only be cancelled if it isn’t being processed.

The order status is showing as “Stalled”. What does this mean?

Your order is stalled when you don’t have sufficient funds to fulfill the order. Please add funds and once the transaction is approved, the fuel vouchers will be automatically disbursed to your employees.

The order status is showing as “Cancelled”. What does this mean?

This means you have cancelled the transfer after scheduling it.

We wrongly loaded vouchers into an employee’s fuel card. What do we do?

On the Zeta Corporate Dashboard, go to the order details of the order in which the money was wrongly issued. You will see a “Revoke” button which can be used to revoke the vouchers given to an employee.

What details can we receive at the end of the fiscal year?

You can download a fuel statement for each employee, which will have the following details:

  • Unclaimed account - bills still to be added

  • Bills uploaded and their statuses like pending review, approved but pending payouts, approved and paid and declined

  • Each and every bill along with date/ merchant/ approved date

Note: You can decide whether the “bill upload” option against a transaction should be enabled or disabled.

Is employee KYC needed?

Know Your Customer (KYC) is required only when an employee wishes to maintain a balance of more than Rs. 20,000 in their Zeta Optima™ Fuel & Travel Card. While it is not mandatory, it is recommended. Our standard KYC process requires a photo ID, address proof and a photograph each from employees. Employees could also opt for eKYC.

How can employees make payments with Zeta Optima™ Fuel & Travel Card?

Employees can use the Zeta Super Card®, a Mastercard /RuPay-powered card to make payments.

How can employees claim reimbursements?

Employees can upload a picture of the bill to claim reimbursements either via:

  • The Zeta app

  • Zeta on Web

What if the employee has already used some of the vouchers in the fuel card?

You can revoke the unused amount and have it credited back to your company account. For instance, if you have issued Rs. 2,000 to an employee and they have spent only Re 1, you could still revoke Rs. 1,999.

Do employees/ employers need to keep a physical copy of the bill?

Ideally it is not needed. However, this can be stored for future just in case a tax auditor asks for it.

General Queries

What is the Zeta Optima™ LTA Card?

The Zeta Optima™ LTA Card is a tax-saving digital solution that can be issued to employees for reimbursements of travel claims. Employees can use this solution to make an LTA claim for expenses related to flight, train and bus tickets as well as cab bills.

Is the Zeta Optima™ LTA Card compliant with the Income Tax Act?

The Zeta Optima™ LTA Card is 100% compliant with the regulations listed in the Income Tax Act and the Information Technology Act, 2000.

What is the validity of the Zeta Optima™ LTA Card?

There is no defined validity period by default. However, you can specify a validity period as per company policy.

How can we offer the Optima™ LTA Card to our employees?

The first step is to create an Optima account for your company. This will give you access to the Optima corporate dashboard, which serves as the command centre for the entire Optima smart benefits suite. This is where you can opt for the Zeta Optima™ LTA Card programme. You can write to support@zeta.in for assistance.

From here you can:

  • Add funds

  • Schedule a date for payout of grants

  • Access reports and statements

The sign-up page can be found at https://corp.zetaapps.in/#/login. You can also call +91 22 66905995 to speak to us directly and access assistance in signing up with us through our team of experts.

Usage

What do I have to do as an HR to help my employees use Zeta Optima™ LTA Card?

Once you register for the programme, you have to provide the names and contact details of the employees whose leave travel allowance must be reimbursed, and the eligibility of each employee as well. You can pay the amount to the employee once the submitted travel documents are verified by Optima experts.

What do my employees have to do to claim LTA?

Employees have to download the Zeta app or use Zeta on Web (the web version) to access their Zeta account. They should take a picture of their tickets and upload them along with other travel documents, if any, like boarding passes on the Zeta app or the web to claim reimbursements. Employees can also manage the LTA for their dependents from the app or the web portal.

Is KYC needed from my employees to use the Zeta Optima™ LTA Card?

KYC is not essential but highly recommended. We need a photo ID, address proof and a photograph from the employees. We also support eKYC.

Who will take care of calculating the amount exempt from tax from the user’s LTA claim?

We take care of all the checks specified by the Income Tax guidelines on LTA claims and then suggest the tax exempt amount.

How are the documents verified?

We verify all travel documents that are uploaded by your employees. We leverage a government-approved database to verify the shortest distance and the lowest fare between two locations and thereby ensure compliance to legal mandates. All travel documents are validated as per company policies as well. This includes checking whether:

  • The employee was part of the travel

  • The employee was on leave for the duration of the travel

  • The employee has uploaded all the relevant documents based on the mode of transport

Apart from travel details, what other information does Zeta review to validate the authenticity of claims’ submission?

Zeta checks dependants’ details and leave application details to validate an LTA claim.

Can I customise the Zeta Optima™ LTA Card programme?

Yes, this is a fully customisable digital solution that caters to your specific needs. Every aspect of this programme, from choosing employees to the amount of grants to be transferred, can be specified by you.

What reports can I access with regard to the Zeta Optima™ LTA Card programme?

You can use the corporate dashboard, a single digital interface, to access the following reports:

  • Reimbursement master report

  • Transfer detail report

  • Beneficiary spends report

What is Spotlight?

Spotlight is a 100% customisable R&R solution for companies which includes a plethora of options comprising digital vouchers, physical gift cards and incentive solutions. It helps companies reward their best talents and celebrate the important moments of their lives with hyper-personalised gifts.

For what purposes can Spotlight be used?

You can use Spotlight for all your rewards and gifting requirements for performance awards, long-service awards, festive gifting, annual awards, employee engagement, on-the-spot gifting and other special occasions.

What are the different gifting options in Spotlight?

Digital gift vouchers:

  • These are digital gift vouchers resting on cloud accounts which can be instantly sent to your employees on their Zeta accounts via their phone number or email ID. Employees can access these vouchers on the Zeta app or web portal and spend them via their Super Card®.

Physical gift cards:

  • These are prepaid gift cards powered by MasterCard. These cards are pre-activated and ready-to-use and can be loaded by corporates with any amount between Rs 500 and Rs 50,000 in less than 60 seconds. These gift cards come in attractive and customisable packaging options, ideal for on-the-spot gifting.

How can we start using Spotlight?

As a company, you need to sign up with us, select and customise your reward programs as per your requirement, upload employee details like names, email ids/phone numbers of those who you want to send rewards to, transfer funds to your account and schedule a date for disbursement. Your employees will receive their Spotlights on the scheduled dates.

What customisation can I do on my Spotlight programme?

Spotlight is a 100% customisable and allows you to choose templates, personalised messaging, design, colour schemes, inclusion of logos and many more customisations to ensure you are offering a personal touch in your gifts to your employees.

How can I integrate Spotlight in my current employee recognition and engagement programme?

Spotlight is designed to integrate seamlessly with your existing employee engagement and recognition programme without any additional costs to you.

Where can my employees use their Spotlight?

Spotlight card/vouchers can be spent at over 11lakh+ outlets across India. They can be spent at any store that accepts Mastercard payments.

How can I get started?

You can sign up with us from the Spotlight section on the Zeta website. Alternatively, you can write to us at corpsales@zeta.in to initiate a discussion with our sales representative.

What can employees use their Zeta Super Card® for?

The Zeta Super Card® is a secure physical card that your employees can use to spend their Optima tax benefits. Each employee gets a Super Card® that is linked to their Optima account.

How does the Zeta Super Card® help in managing tax benefits?

The Zeta Super Card® offers a degree of control and flexibility over where and when your employees can spend their grants.

What about compliance?

The spending parameters for the Zeta Super Card® are set to work in accordance with Income Tax Act norms. Eg. 1: Meal vouchers can be spent only at outlets that sell food and non-alcoholic beverages. Eg. 2. Fuel grants can be spent only at fuel stations etc. These spending parameters can be customised even further according to your company’s policy.

How will employees receive their Zeta Super Cards®?

When a company gets on board with us, we’ll set up a help desk at your office to activate and issue Zeta Super Cards® to each one of your employees. Individuals can also request for a free Super Card® here .