--- title: "Zoho Expense Reviews 2026. Verified Reviews, Pros & Cons | Capterra" description: "Is Zoho Expense the right Expense Report solution for you? Explore 1231 verified user reviews from people in industries like yours to make a confident choice." source_url: "https://www.capterra.com/p/142384/Zoho-Expense/reviews/" page_type: "reviews" language: "en" publication_date: "2026-10-19" --- Zoho Expense 4.6 (1233) Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Learn more](https://www.capterra.com/our-story/) * * * Last updated October 19th, 2026 # Reviews of Zoho Expense Ease of use 4.6 Customer Service 4.5 ## Pros and Cons in Reviews Kevin J Operations Project CoordinatorEnvironmental Services, 1,001 - 5,000 employeesUsed the software for: More than 2 years. “It has also helped us to curate our own custom expense policies which help us to keep check of our expenditure on specific operations during projects so that we remain compliant with the company's expenditure regulations.“ July 9, 2026 Santiago G AdministratorAutomotive, 2 - 10 employeesUsed the software for: Less than 6 months. “The OCR receipt scanning can sometimes be a bit slow to process, and it occasionally misreads faded or crumpled receipts, requiring manual corrections.“ June 27, 2026 Kevin J Operations Project CoordinatorEnvironmental Services, 1,001 - 5,000 employeesUsed the software for: More than 2 years. “It has exceptional receipt capture features which enable us to record even the hardcopy purchase receipts by scanning them, allowing us to ensure all expense data is recorded.“ July 9, 2026 AN Ana N FounderApparel & Fashion, 2 - 10 employeesUsed the software for: More than 2 years. “The currency conversion feature sometimes lags a day behind when I'm ordering trim from international suppliers.“ September 2, 2026 Kirti S NANon-Profit Organization Management, 11 - 50 employeesUsed the software for: Less than 6 months. “The automated receipt scanning (auto scan) feature is a massive timesaver; it accurately extracts data so users don't have to enter everything manually.“ May 18, 2026 JB JayaKumar B DirectorInformation Technology and Services, 2 - 10 employeesUsed the software for: Less than 6 months. “The approval workflow rules get awkward once you want conditional logic beyond simple threshold-based routing.“ August 20, 2026 Kevin J Operations Project CoordinatorEnvironmental Services, 1,001 - 5,000 employeesUsed the software for: More than 2 years. “We brought Zoho Expense into action to help us monitor and manage our projects operational expenses and it has delivered us quite a productive experience.“ July 9, 2026 SN Sinethemba N two ICIndustrial Automation, 11 - 50 employeesUsed the software for: Less than 6 months. “The interface can be confusing at first, especially when working with advances, reimbursements, and company-paid expenses.“ June 4, 2026 ## Showing most helpful reviews Showing 1-25 of 1233 available reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use Julie D. CFO ### "Promising for Amex Receipt Collection, but Account Connection Isn’t Intuitive" November 5, 2026 3.5 Our existing expense management process has worked fine but we're adding some team members who will be traveling quite a bit and we want to make the process easier for them. Pros This should help streamline our amex receipt collection process once we get the account connected Cons Trying to get our Amex account connected has been less than intuitive. We've exhausted our free trial and we're still not connected. Review Source R Reviewer CEO Used the software for: Less than 1 year ### "ZOHO EXPENSE REVIEW" November 4, 2026 5.0 5 stars I use the whole suite of Zoho tools and find they all connect well together .and I like they way they keep adding new functions Pros great value . and super easy to use . I like the user interface and the app support which is great on the go Cons no real downside. I use the whole suite of Zoho tools and find they all connect well together . its does the job for me so no real complaints Review Source R Reviewer Program Director Used the software for: I used a free trial ### "Configurable, well-priced, and a great API" November 2, 2026 5.0 Very positive overall. We needed an expense tool that could handle billable travel, which most of the tools we looked at weren’t built for, and Zoho fit what we needed with very little compromise. We went from signing up to a working proof of concept in a few hours, and from there we used the API to tie it into our legacy tooling, so expenses move through approval and into billing without anyone touching them twice. Our team scans receipts on their phones and does everything else on the web, and the support for features like iPhone Duo has shown that Zoho keeps the product current. For the price, it’s been one of the better software decisions we’ve made this year. Pros The biggest thing for us is how configurable it is. Most of our travel gets billed back to customers, so every expense needs to land on the right project with a billable flag, and approvals need to go to the project lead. We set all of that up ourselves, and we had a working proof of concept within hours of signing up. The API is excellent. It’s well documented and complete, and we used it to connect Zoho to our legacy tooling, so projects come in automatically, approved reports go back out, and reimbursement status shows up in Zoho without anyone re-keying anything. The mobile app is kept current too. They had iPhone Duo support right away. And for everything it does, the pricing is very reasonable. Cons Not much. The one thing that tripped us up was matching receipts to corporate card charges. If you scan a receipt and forget to mark it as non-reimbursable, it won’t match the card transaction when it comes through, and you end up merging duplicates by hand. Once you know about it, it’s easy to avoid, but it would help if the app defaulted to the corporate card for people who have one. There are also a lot of settings to work through at the start, though that’s the trade-off for how flexible it is. Review Source R Reviewer Executive Manager, Treasury Used the software for: 3-5 years ### "Know More About Zoho Expense by Evaluating my Experience in this Filled Survey" November 2, 2026 5.0 Pros I like that Zoho Expense combines expense reporting and travel management tools under one dashboard. Cons Even though travel booking requires Zoho Travel and external apps integrations, I don’t count it as a flaw since it is free. Review Source R Reviewer COO Used the software for: Less than 1 year ### "Zoho expense easy fit for small and large businesses" September 30, 2026 5.0 great . Pros easy adoption and full features - got started in minutes . Cons nothing negative . Review Source R Reviewer administrador Used the software for: 3-5 years ### "Uma boa solução para controle e organização de despesas" September 17, 2026 5.0 Minha experiência com o Zoho Expense é positiva. A ferramenta contribui para tornar o controle de despesas mais organizado e facilita o acompanhamento dos gastos. É uma opção interessante para empresas que precisam reduzir processos manuais e ter maior visibilidade sobre as despesas. Pros O Zoho Expense facilita bastante o registro e o acompanhamento das despesas. A organização das informações é um dos principais pontos positivos, permitindo visualizar os gastos de forma mais centralizada e reduzir controles manuais. Também é útil para acompanhar despesas relacionadas a viagens e atividades profissionais. Cons A quantidade de recursos disponíveis pode tornar algumas configurações um pouco complexas no início. Para aproveitar melhor a ferramenta, é necessário algum tempo de adaptação e configuração de acordo com as necessidades da empresa. Review Source R Reviewer Admin Used the software for: Less than 1 year ### "My review about Zoho Expense" September 7, 2026 4.0 very happy with the service. will definitely recommend it for all the companies which have staff expense related issues Pros It is affordable and very easy to use. Good for day to day expenses. Keeps track of all the staff expenses easily. Cons Free version should have allowed 5 users. Support should be approachable with direct telephone line, chat is good though Review Source R Reviewer Founder Used the software for: 3-5 years ### "Finally got the receipt capture working for our fabric supplier." September 3, 2026 4.0 Running a small apparel brand means every real counts, and I can't afford to lose track of supplier expenses or sample material costs. This platform gave me back hours I used to spend sorting receipts and let me prove every deduction. Worth every centavo for a founder who needs clean books without hiring full-time help. Pros Before using Zoho Expense, I was always losing paper receipts from textile fairs in São Paulo or trips to suppliers a couple of states away. Now, I just snap a photo right at the counter, the app grabs the amount and date, and it’s all ready to go whenever my accountant needs the quarterly report. Cons The currency conversion feature sometimes lags a day behind when I'm ordering trim from international suppliers. I usually just enter the exchange rate manually, but it would save me two minutes per transaction if it updated faster throughout the business day. Review Source R Reviewer National Sales Manager and Marketing Director Used the software for: Less than 1 year ### "Great product for value " August 30, 2026 4.0 Simple to use, good support, great value for the price. Dealing with freezing or glitchy apps is always a part of life today. This gets the job done without creating more headaches then solutions. Pros Easy to use for our road reps between tracking expenses and mileage it is a complete tool for our guys to use. Easy customer service as well Cons App will freeze from time to time when tracking and it causes devices to over heat. Must restart app from time to time and double check that product is still tracking. Review Source R Reviewer cfo Used the software for: Less than 1 year ### "Big zoho fan. Just implemented it in my second company." August 24, 2026 5.0 Pros I worked for years to upgrade our manual expense processes. Our long term employees did not want to learn a new method. I think the amount of AI talks over the last two years got them curious? So they finally agreed. Weve been using zoho for 6 months and everyone loves it. Its made it easier for the employees and WAY easier for me. I used to have excel spreadsheets with a million pdfs but now its all in one. I also can check them easily on my phone. I will literally check expenses while riding in the car or waiting in lines... it sounds dumb but I check them as they come in instead of the day before payroll. Its been a much better process for me. Cons I cant make certain edits on employee expense reports so I have reject them and make the EE change it. I would prefer full edit ability and for the ee to see what was changed. And the itemizing feature is clunky. The AI doesn't do good at that. Review Source Ansgar N. Managing Director 4.5 November 6, 2026 AI summary based on a full review This software provides a straightforward experience that helps users avoid traditional paper receipts. A limitation is that each Zoho App has a unique user interface, which may complicate navigation. Log in to unlock the full review, detailed ratings, and pros & cons Leigh S. Veterinary Practice Owner Used the software for: Less than 1 year 4.5 November 5, 2026 AI summary based on a full review This tool significantly reduces paperwork by enabling receipt scanning and expense tracking, which saves time for small business owners. A limitation noted is the uncertainty about whether approved expense reports automatically sync with Zoho Books. Log in to unlock the full review, detailed ratings, and pros & cons Ben M. Insurance Agent Used the software for: Less than 1 year 5.0 November 5, 2026 AI summary based on a full review Using Zoho has simplified the organization of business expenses, particularly for tax preparation. A minor inconvenience is the date selection feature, which can be frustrating when it defaults to today's date. Log in to unlock the full review, detailed ratings, and pros & cons R Reviewer Owner Used the software for: Less than 1 year ### "Zoho Expense, a great tool for my small business. " May 7, 2026 5.0 I like Zoho Expense overall. I have used other such as Concur before and Zoho is comparable experience for tracking expense but much more cost effective for a small business. Pros Zoho Expense is easy and convenient to use, with its phone app and web interface. The AI scan of receipts is very accurate nearly always. I like that I can just e-mail receipts in and the feature that highlights duplicates expenses helps me match the emailed receipt to the auto generated expense from the company credit card charge. Cons I don't like that I can not easily enter small towns or cities as the destination for per diem expenses. I have to determine the nearest large city that that is included in Zoho's list of destinations. I know I can create new destinations, but I am not going through that process for every small town I travel to. Review Source R Reviewer Owner Used the software for: I used a free trial ### "Great for small businesses" March 19, 2026 5.0 It is great to be able to keep track of all of my supplies and other expenses. I love being able to see the receipts and categorized them where needed. Pros I love being able to do all of book keeping for my crafting business. I am able to track everything I need to manage all my expenses. Cons The only thing that is inconvenient is having so submit requests. I don't have employees, I am a sole-proprietor, I am the one submitting the receipts, and the only one doing the book keeping. It's just an extra step I am having to go through. Review Source Cordell S. Operations Coordinator Used the software for: Less than 1 year ### "Not the best software on the market." December 12, 2025 3.0 We ultimately switched to a different platform due to the overcomplication for submitting receipts. Our team was having issues with the amount of steps. Pros Zoho was great for submitting expenses and it has great organizational tools for monthly submittance. Cons Zoho was a little overcomplicated with it's expense reporting. It pales in comparison to other expense reporting platforms. Review Source R Reviewer Founder and CEO Used the software for: I used a free trial ### "Surprisingly good experience. " August 10, 2026 5.0 It has been surprising. It has been better than anticipated and I will continue. The most important benefit is by also using Zoho CRM, the navigation is similar so I never get lost. Pros Zoho expense is intuitive, so it is easy to use. Its interface is logical, so each next step makes sense. The features are exactly what I want and nothing that I dont need, so it is a great value. Cons I have run into some bugs along the way, but it might be the result of accessing Expense from my iPhone, then my laptop. Review Source R Reviewer Executive Director Used the software for: I used a free trial ### "Zoho Expense - Review from a trial period" August 13, 2026 5.0 So far, I am really looking forward to learning more about the utilities of Zoho expense. I can already tell that this is going to expedite my expense management processes! Pros I am just concluding a trial period of Zoho Expense. Originally, I had planned on using another expense management system, but side-by-side comparison of cost and user experience convinced me to try Zoho first. The user interface is very intuitive and it was easy to navigate the expense reports and the integration with Quickbooks Online was pretty seamless. Cons I wish I could manually add basic corporate credit card information, as I prefer not to connect the accounts. Review Source R Reviewer Controller Used the software for: Less than 1 year ### "Saving time and energy with Zoho Expense" April 20, 2026 5.0 Zoho has really opened our eyes to how easy it is to streamline and automate expense and reimbursement processes. Pros Both the web interface and the mobile interface are user-friendly and easy to use and truly one of the most valuable features! Cons Frankly, the training videos were difficult to understand, and I have yet to find a straight-forward, go-to user manual to share with our team members. Review Source Tammy W. CEO Used the software for: I used a free trial ### "Convert from Expensify to Zoho Expense " April 10, 2026 5.0 It has been very easy to understand and to use. The weekly webinars are helpful and having an opportunity for a 1-1 follow up to get us set up is amazing. Pros The ability to add my credit card and synch expenses directly into Zoho makes processing my expense report much faster and more efficient. Cons There is nothing so far that I would attribute as a con. I especially like that with 3 users the service is free. Review Source R Reviewer Owner Used the software for: Less than 1 year ### "Great Value; Great Product" May 13, 2026 5.0 Very happy with the product and feel it is great value for the price. Will cancel my quickbooks account and move to all Zoho products. Pros I loved the ability to categorize expenses across different business (3+) and the ease of auto imports. Cons Wish you could multi match expenses if you're not adding receipts. You may be able to do this in another product of theirs; I haven't checked yet. Review Source NR Neeraja R. Marketing Specialist, IT Coordinator Used the software for: I used a free trial ### "User-friendly design and advanced features" July 7, 2026 5.0 Overall experience so far has been very good. User-friendly design has made it very easy for me to onboard users at my company. Pros Zoho gave us great customer service - this is what stood out to me. Intuitive design and advanced feature for reasonable prices made it a worthwhile decision. Cons What I liked least about Zoho is that it is not entirely customisable. I was not able to obtain some features that would have helped me. Review Source R Reviewer Accountant Used the software for: Less than 1 year ### "New user experience" July 28, 2026 4.0 It's doing that job for our needs, some modular improvements would make this a better application. Customer support in chat is good Pros Affordable compared to other expense report software, reporting is nice but need to set up other modular before. Cons Hard learning curve to navigate the setup, and some feature that other apps have aren't avaiable. I've also wasted alot of time waiting on a response from the technical team to update me that the feature request was not possible Review Source R Reviewer Installer Used the software for: Less than 1 year ### "Zoho expense invaluable for our small business" August 5, 2025 5.0 Would happily recommend to other small businesses. I cannot speak for larger companies, but for us, it has made expense reporting faster, more accurate, and much less painful. Pros Super easy to use and customize. Abundance of how-to videos for quick tutorials or to solve an issue when you don't want to use tech support. love the reports that are generated. We provide detailed expenses with receipts to our clients and the report is clear, concise, and shows all receipts along with currency conversion when needed Cons the app is not quite as easy to use. At least not when traveling internationally and internet speeds are volatile and spotty. Review Source R Reviewer Principal Used the software for: 3-5 years ### "Expense reports no longer own the last day of the month!" October 2, 2025 5.0 I've used Zoho expense as a business owner and again as a solopreneur. It saves time, captures everything automatically (as long as you have it set up to do so) and makes expense reporting a minutes-long task instead of an hours-long task. Pros As a user, automated expense capture, ease of moving through expenses to categorize, and seamless reporting make my life easier. Cons Not all features are available to smaller accounts such as the option to direct deposit expense reports. Not a huge deal but with adds a couple of steps for me and my bookkeeper. Review Source ## Send me user reviews about this product ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox. Talk to a Capterra advisor for free and get results within 15 minutes.