The short answer
Expensify and Zoho Expense both document all 10 of our expense capabilities, so the choice comes down to price, ecosystem and reach. Zoho Expense is free for up to 3 users and Standard costs $3 per user a month billed yearly ($4 monthly); Expensify Collect costs $5 per member a month and Control $18.
LeadChange Score: editorial assessment based on public information.
Expensify wins 1Zoho Expense wins 13 ties
| Dimension | Expensify | Zoho Expense |
|---|---|---|
| PricingZoho Expense Standard costs $3 per user a month billed yearly and Premium $5; Expensify Collect costs $5 per member a month and Control $18 on a 12-month subscription. Zoho’s free plan covers 3 users with accounting integrations; Expensify’s free workspace has none. | $5/user/mo | $3/user/mo |
| CapabilitiesBoth document all 10 of our expense capabilities. Expensify adds bill pay and invoicing; Zoho adds corporate travel, per diem and cash advances. SmartScan reads merchant, date, amount and currency from a receipt, Receipts by photo, email forward or text message, Bring your own corporate cards, 10k+ banks supported, Unlimited virtual cards with the Expensify Card, Travel booking tied to expense rules, Delegated access and review-only access for auditors | 10 of 10 core capabilities | 10 of 10 core capabilities |
| IntegrationsExpensify lists 45+ integrations, including NetSuite, Sage Intacct, Workday and Gusto. Zoho Expense names QuickBooks, Xero, Sage Accounting and Zoho Books, and reaches 1000+ apps through Zoho Flow; ERP and HRMS integrations are an add-on on Standard. 45 | 45 native | 9 documented |
| Fit and supportExpensify names startups through enterprises; Zoho Expense sells from small businesses to enterprises. Expensify offers 24/7 live chat; Zoho offers email and phone support, and a paid Premium Support add-on. Startups, small businesses, mid-market companies, enterprises | Startups, small business, mid-market, enterprise | Small businesses, mid-market companies, enterprises |
| SecurityBoth state SOC 2 Type 2. Zoho Expense also states GDPR compliance and ISO certification; Expensify also offers a SOC 1 Type 2 report. Yes | SOC 2 | SOC 2, ISO 27001, GDPR |
| Attribute | Expensify | Zoho Expense |
|---|---|---|
| Best for | Startups, small businesses, mid-market companies, enterprises | Small businesses, mid-market companies, enterprises |
| Support channels | 24/7 live chat, AI assistant (Concierge), account manager on accounts of 100+ members | Email, phone (Standard and Premium), Premium Support add-on with a dedicated relationship manager |
| Founded | 2008 | 1996 |
| Ownership | Publicly traded | Private |
| Attribute | Expensify | Zoho Expense |
|---|---|---|
| Pricing model | Per user | Per user |
| Price transparency | Published | Published |
| Free trial | ||
| Free plan | ||
| Contract term | Monthly | Monthly |
| Mobile apps | iOS, Android | iOS, Android |
| Open API | ||
| Single sign-on | SAML | |
| SOC 2 Type II |
Expensify Collect$5/user/mo
Zoho Expense Standard$3/user/mo| Employees | Expensify Collect | Zoho Expense Standard |
|---|---|---|
| 10 | $50/mo | $30/mo (lowest) |
| 50 | $250/mo | $150/mo (lowest) |
| 200 | $1,000/mo | $600/mo (lowest) |
Monthly list price of each product’s entry plan with published per-employee pricing.
Pricing. Zoho Expense Standard costs $3 per user a month billed yearly and Premium $5; Expensify Collect costs $5 per member a month and Control $18 on a 12-month subscription. Zoho’s free plan covers 3 users with accounting integrations; Expensify’s free workspace has none.
Capabilities. Both document all 10 of our expense capabilities. Expensify adds bill pay and invoicing; Zoho adds corporate travel, per diem and cash advances.
Integrations. Expensify lists 45+ integrations, including NetSuite, Sage Intacct, Workday and Gusto. Zoho Expense names QuickBooks, Xero, Sage Accounting and Zoho Books, and reaches 1000+ apps through Zoho Flow; ERP and HRMS integrations are an add-on on Standard.
Fit and support. Expensify names startups through enterprises; Zoho Expense sells from small businesses to enterprises. Expensify offers 24/7 live chat; Zoho offers email and phone support, and a paid Premium Support add-on.
Security. Both state SOC 2 Type 2. Zoho Expense also states GDPR compliance and ISO certification; Expensify also offers a SOC 1 Type 2 report.
Ramp has the highest LeadChange Score in Expense Management after excluding these two (9.1/10).
From $0/user/mo
On our checklist, both cover all 10 core expense capabilities. Zoho Expense costs less per user ($3 a month billed yearly against Expensify’s $5) and adds per diems and a travel desk; Expensify reaches more countries for reimbursements and lists more native integrations.
Expensify Collect is $5 per member a month; Control is $18 per member a month on a 12-month subscription. Zoho Expense Standard is $3 per user a month billed yearly or $4 monthly, and Premium $5 or $6. Twenty users cost $100 a month on Expensify Collect and $60 on Zoho Standard billed yearly.
For up to 3 users, Zoho Expense is free with receipt OCR, GPS mileage and accounting integrations. Expensify’s free workspace is for individuals who submit to an approver, without approvals or accounting sync. Ramp, Brex and BILL Spend & Expense are other free options if you take their corporate cards.
Zoho lists its extras: travel self-booking at $9.99 per trip, Premium Support from $490 a year and onboarding from $500 a year; ERP and HRMS integrations are an add-on on Standard. Expensify bills members above a Control subscription size at the $36 pay-per-use rate, and adds taxes.
Both track mileage. Zoho Expense records it automatically by GPS, even on the free plan; Expensify includes mileage tracking in its free workspace.
In our expense management comparisons, SAP Concur, Ramp, Brex, Rydoo and Navan come up most against both. Expensify’s card and travel booking put it next to Ramp and Navan; Zoho Expense’s per diem and travel desk put it next to Concur.
Expensify makes SOC 1 Type 2 and SOC 2 Type 2 reports available through its trust center. Zoho Expense falls under Zoho’s SOC 2 Type 2 scope and states GDPR compliance and ISO certification. Single sign-on is on Expensify Control and on Zoho’s Standard and Premium plans.
No, at list price: for 25 employees Zoho Expense comes to $75 a month and Expensify to $125 on their lowest published plans, before add-ons. Zoho Expense pricing lists every plan.
Yes, both list a free trial. Expensify and Zoho Expense also list a free plan.
Your team size, what matters most and your role: see which one fits more of your answers, from verified facts and list prices.
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