Check every distributor claim before you pay it.
Each claim line is checked against your approved scheme. Matching lines are approved; others are held or deducted, with reasons.
How it works
Set up once. Then every claim is checked the same way.
Your masters
Distributors, outlets and products, loaded with you.
Your schemes
Rate, dates, outlets and budget for each scheme, approved.
Your checks
Finance and Sales agree what claims must pass.
Claims come in
Distributors upload. Every line is checked. You approve settlement.
We do the first setup with your team, from the circulars and masters you already have.
Pick your role
Where do distributor claims hurt you?
Settle only what was approved.
- Today
Scheme budgets are rebuilt in Excel every quarter end.
With CogskoBudget, settled and waiting for every scheme, as claims arrive.
- Today
Claims stay pending for months, and nobody knows why.
With CogskoEvery claim shows how long it has waited, and its next step.
- Today
Auditors ask why a claim was deducted. Nobody can show them.
With CogskoEvery deduction keeps its reason, its document and a name.
Know what every scheme costs, and who waits.
- Today
Distributors call me when their claims are stuck.
With CogskoEveryone sees each claim's status and what it waits on.
- Today
Schemes agreed on the phone never reach Finance.
With CogskoA scheme agreed on a call is approved and recorded properly.
- Today
I learn what a scheme cost at year end.
With CogskoWhat every scheme has cost so far, on one screen.
What the field agreed is what gets settled.
- Today
Correct claims wait behind the wrong ones.
With CogskoMatching lines are approved; only the exceptions wait.
- Today
My area managers chase claim status all day.
With CogskoStatus and questions sit on the claim, for everyone.
- Today
Every circular gets read three different ways.
With CogskoOne approved version of the scheme; everyone checks against it.
No retyping. Time for exceptions and recoveries.
- Today
I match the DMS file against the scheme by hand.
With CogskoEach line arrives already checked; you decide the exceptions.
- Today
Half the documents are missing, or the wrong invoice.
With CogskoAsk for documents on the claim; they stay with it.
- Today
The scheme changes midway, on WhatsApp.
With CogskoA change gets a fresh approval; old terms stay on record.
Know where your claim is, and why.
- Today
My claims stay pending for months.
With CogskoSee where each claim is and who it is waiting on.
- Today
Claims are deducted and nobody says why.
With CogskoSee what was approved, what was deducted, and why.
- Today
I send the same documents again and again.
With CogskoSend a document once; it stays with the claim.
The company runs Cogsko. Distributors never pay for it.
See it work
Watch a claim get checked
Six lines, one scheme. Matching lines are approved; the exceptions wait, each with its reason.
Claim from Sharma Traders, Lucknow
Scheme SS-2610
₹40 a case on Crunch 200 g · sales 1–31 October 2026 · named outlets only · ₹50,000 limit per distributor
INV-4471 · 3 Oct
Gupta General Store
12 cases × ₹40
Outlet named · in dates · rate matches. Matches the scheme.₹480
INV-4483 · 9 Oct
Verma Kirana
8 cases × ₹40
Outlet not in the scheme. On hold: the distributor is asked for the approval that added this outlet.On hold
INV-4490 · 14 Oct
Singh Provision Store
15 cases × ₹45
Rate higher than the scheme. Deducted ₹75: the scheme pays ₹40 a case, so the extra ₹5 a case is not approved.₹600
INV-4502 · 21 Oct
Yadav Stores
20 cases × ₹40
Outlet named · in dates · rate matches. Matches the scheme.₹800
INV-4511 · 28 Oct
Bansal Kirana
18 cases × ₹40
Outlet named · in dates · rate matches. Matches the scheme.₹720
INV-4523 · 2 Nov
Gupta General Store
10 cases × ₹40
Sale after the scheme ended. Deducted ₹400: the scheme ended on 31 October.₹0
- ₹3,395
- ₹2,600
- ₹320
- ₹475
Claims that break the scheme
Settle exactly what each scheme promised. No more, no less.
Every line of every claim is checked before you settle it.
Duplicate claims
The same sale claimed again, even months later.
Outside the dates
Before the scheme started or after it ended.
Outlet not in the scheme
Settled only for the outlets it covers.
Higher rate than agreed
Only the agreed rate is approved.
Scheme not approved yet
Agreed on a call? Approve it, and its claims go through.
Over the budget
Shown before anyone approves more.
Stock that doesn't add up
Each quarter, claimed sales are checked against opening stock plus what you supplied.
Missing documents
Held until the invoice or photo the scheme asks for arrives.
Scheme budgets
How much of each scheme is used?
Budget, settled and waiting, as claims arrive. Try adding one.
Scheme SS-2610 · all distributors
Budget ₹10,00,000
- ₹6,20,000
- ₹2,90,000
- ₹90,000
A new claim counts against the budget as soon as it arrives.
How to start
From demo to live, in three steps.
See a demo
Sample data, so you share nothing.
Walk through your workflow
Your schemes, claim types and approvals. We show how each fits.
Go live with your schemes
Set up to your workflow. One-time setup fee, then a yearly fee.
Straight answers
Asked first
Can we see it working?
Yes. A 30-minute demo shows the whole journey on sample data. Each setup then follows your schemes and your workflow.
Does AI approve claims?
No. Fixed rules do the checking, every deduction shows its reason, and your people approve every settlement.
Does it work with SAP, Tally or our DMS?
It sits beside them. Distributors upload the file they already make. You settle in SAP or Tally as today and add the credit note number.
Where is our data kept?
In an India region, agreed in writing. A demo needs nothing of yours, and no real data is used before an NDA and your IT review.
What does it cost?
A one-time setup fee, fixed once we have walked through your schemes and workflow. Then a yearly fee. Distributors never pay.
What would your last scheme look like, checked line by line?
A 30-minute demo shows the checks on sample data. Then we walk through your schemes with you.
Book a 30-minute demo