Expensify (AF Score 75) and Zoho Expense (AF Score 73) are two of the most cross-shopped travel and expense platforms in our directory. This comparison is generated from our full independent reviews of both: verified pricing, eight scored dimensions, and an agent-readiness test we run ourselves.
The verdict at a glance
Expensify scores higher overall (75 to 73), but the right pick depends on what you weight.
Expensify is receipt scanning, expense reports, reimbursements, corporate cards and travel booking for small and midsize businesses and their accountants, sold self-serve from $5 per member a month. It is a public company (Nasdaq: EXFY).
Zoho Expense is the travel and expense app in the Zoho suite: receipt capture, card feeds, approvals, audits and reimbursement, plus US travel booking and a prepaid card, for small and mid-sized firms at $3 to $5 per user a month.
Quick facts
- Expensify AF score. 75/100
- Expensify implementation. Low
- Expensify best fit. US SMBs and their accountants
- Zoho Expense AF score. 73/100
- Zoho Expense implementation. Low
- Zoho Expense best fit. SMBs on Zoho, QuickBooks or Xero
Dimension by dimension
- Compliance depth. Expensify 72, Zoho Expense 74. Edge: Zoho Expense.
- Scalability. Expensify 66, Zoho Expense 70. Edge: Zoho Expense.
- AI / agent readiness. Expensify 77, Zoho Expense 79. Edge: Zoho Expense.
- Support. Expensify 69, Zoho Expense 68. Edge: Expensify.
- Implementation. Expensify 83, Zoho Expense 80. Edge: Expensify.
- Pricing transparency. Expensify 86, Zoho Expense 83. Edge: Expensify.
- GL / ERP fit. Expensify 74, Zoho Expense 62. Edge: Expensify.
- Payments & money movement. Expensify 71, Zoho Expense 60. Edge: Expensify.
Pick Expensify if
- A US small business on QuickBooks Online or Xero that wants receipt scanning, approvals and ACH reimbursement set up without a sales call.
- An accounting firm or bookkeeper running expenses for many small clients, using ExpensifyApproved! partner pricing and the card revenue share.
- A team that books its own travel and wants flights, hotels and cars to land in the same expense report, at $15 a self-booked trip.
Pick Zoho Expense if
- Zoho One or Zoho Books customers who want expenses, cards and approvals inside the same suite for $3 to $5 per user a month.
- US or Canadian SMBs on QuickBooks Online or Xero that need receipt audits, GPS mileage and per diem without a sales cycle.
- Multi-country teams that want local editions and multi-entity policies on the $5 Premium plan and can pay staff through payroll or bank files.
Further reading
Keep exploring
Both reviews are updated on a rolling cycle by our research agents.
