# Page 2 | Zoho Expense Reviews 2026. Verified Reviews, Pros & Cons | Capterra > Page 2 - Is Zoho Expense the right Expense Report solution for you? Explore 1204 verified user reviews from people in industries like yours to make a confident choice. Source: https://www.capterra.com/p/142384/Zoho-Expense/reviews --- Zoho Expense 4.6 (1204) 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 May 13th, 2026 # Page 2 - Reviews of Zoho Expense ## Showing most helpful reviews Showing 26-50 of 1204 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use Charlie A. Owner Mechanical or Industrial Engineering Used the software for: 6-12 months ### "Zoho Expense, a great tool for my small business. " May 4, 2026 5.0 I like 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 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. Alternatives considered [Patriot Software](https://www.capterra.com/p/116050/Patriot-Software/) Reason for choosing Zoho Expense I chose Zoho because their combination of , Zoho Books and Zoho Payroll appeared to be the most cost effective options with the feature I was looking for, for my small business. Switched from [SAP Concur](https://www.capterra.com/p/380/Concur-Expense/) I used Concur at a previous place of employment. I chose Zoho because it is more cost effective for my small business. Review Source VR Verified Reviewer Finance Comptroller Hospital & Health Care Used the software for: I used a free trial ### "The Wins That Keep Us Hooked" April 6, 2026 5.0 punches above its weight on value—it's a fraction of the cost of their competitors, yet delivers 90% of the functionality we need without bloated pricing tiers. For our operations, features like OCR receipt scanning, automated policy checks, and real-time mileage tracking are spot-on and "fit for purpose." The mobile app and web dashboard have clean, intuitive interfaces—no steep learning curve for our field reps submitting claims on the go. Approval workflows integrate seamlessly with Zoho Books, cutting our month-end close from days to hours. And customer support? Outstanding. Live chat resolves issues in minutes, there's a robust knowledge base, phone support for PH users, and even a community forum for quick tips. It's readily available in multiple forms, making it feel like they prioritize users.On the flip side, In a world of nation-state hackers and phishing pros, I worry about vulnerabilities in third-party integrations or unpatched APIs. We've added extra layers (VPNs, custom policies), but it shouldn't be this much extra work. Overall, Zoho Expense has transformed our DSO and expense accuracy. Pros Value for money as compared to other systems, features and user interfaces that are fit for purpose, and customer support that are readily available in several forms. Cons Security is a concern given the vulnerabilities and sophistication of hacking capabilities. In a world of nation-state hackers and phishing pros, I worry about vulnerabilities in third-party integrations or unpatched APIs. We've added extra layers (VPNs, custom policies), but it shouldn't be this much extra work. Alternatives considered [Expensify](https://www.capterra.com/p/97594/Expensify/)[SAP Concur](https://www.capterra.com/p/380/Concur-Expense/)[QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/) Reason for choosing Zoho Expense has better functionality and cost-effectiveness. Switched from [Google Workspace](https://www.capterra.com/p/247901/Google-Workspace/) has better functionality and cost-effectiveness. Review Source Lauren S. CFO Non-Profit Organization Management Used the software for: 1-2 years ### "Review of ZOHO" August 21, 2025 4.0 Overall, has been a reliable and efficient tool for managing our expense workflows. The platform strikes a good balance between automation and control—receipt scanning, policy enforcement, and approval routing all work smoothly once configured. I appreciated the visibility it gave into spending trends and the ease of reconciling reports across departments. That said, there were moments where customization felt limited, especially around reporting formats and integration with certain accounting systems. But with a bit of manual workarounds, we were able to maintain compliance and transparency. It’s a solid solution for organizations looking to streamline expense tracking without sacrificing oversight Pros has been a game-changer for streamlining our expense management. What I appreciated most was its intuitive interface and automation features—especially the ability to auto-scan receipts and categorize expenses with minimal manual input. The approval workflows are customizable and easy to navigate, which made coordination across teams much smoother. I also liked the real-time visibility into spending, which helped us stay on budget and make faster decisions. Cons While offers strong automation and visibility, a few areas felt limiting. The user interface, though generally intuitive, can feel cluttered when managing multiple expense categories or approvals. Some customization options—especially around reporting formats and policy enforcement—were more rigid than expected, which made it harder to tailor the platform to our specific workflows. Integration with certain accounting systems also required more manual intervention than anticipated, which slowed down reconciliation. Review Source Jason P. Operations - Founding Partner Computer Software Used the software for: 6-12 months ### "Great value with impressive AI receipt recognition " December 4, 2025 4.0 Over all, its been a success using this product - and the value is hard to beat! Receipt/invoice file managment could use some minor improvements - like built file handling/naming rules. Pros I have been using Zoho products for over a decade. Over the course of my consulting career, I have evaluated thousands of software solutions for various businesses - small to corporate enterprise level. Zoho is always at the top when it comes to value-to-feature ratio. Expense is no different. The AI receipt & invoice recogonition is impressively accurate - and was the deciding factor for use in my own company! Cons If its your first time with zoho products, expect a learning curve (like other platforms). More canned control over the receipt/invoice file management would be helpful! Not a big fan of Deluge, their customization platform. Alternatives considered [Expensify](https://www.capterra.com/p/97594/Expensify/)[QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/) Reason for choosing Zoho Expense Expense and Books combonation was key to it. Review Source PS Pushpendra S. Travel Desk Executive Information Technology and Services Used the software for: Less than 6 months ### "Zoho Travel and Expense Portal- A must have for Indian organizations." April 16, 2026 5.0 The overall experience till now is amazing. From demo by the Zoho Tech team to setting up the account and regular help they provide throughout the process is really appreciated. The portal is easy to understand and train others. Pros The portal is very easy to understand and use. The interface is also very easy to navigate. The set-up process was smooth and back-end support is very active. This also aligns with our goal of having a budget friendly but secure travel and expense portal to streamline our internal process. Cons Some of the features are not available for Indian version like currency change. It affects organization like us who has overseas offices. Alternatives considered [SAP Concur](https://www.capterra.com/p/380/Concur-Expense/)[Happay](https://www.capterra.com/p/254823/Happay/) Reason for choosing Zoho Expense cost effective and the features that our organization needed are all available. The integration, training and back-end support was also very good. The portal is easy to set-up and trains others too! Review Source SM Susan M. Design Build Contractor Design Used the software for: 6-12 months ### "Excellent app for multiple uses for my business" March 27, 2025 5.0 My experience with Zoho has been remarkably positive, which is why it remains my go-to app for both managing expenses and overseeing projects. Pros I absolutely love ! It has transformed the way I manage my expenses. The receipt capture feature is incredibly accurate and efficient; I can just take a picture of my receipts, and it automatically extracts all the necessary details, saving me so much time. Creating monthly expense reports has never been easier. The user interface is intuitive, and I appreciate how organized everything is. It allows me to track my spending effortlessly, making sure I don’t miss anything. Plus, the integration with other financial tools is a huge plus. Overall, Zoho Expense has made managing expenses a breeze, and I highly recommend it to anyone looking for a reliable and user-friendly expense management solution! Cons I wish it was easier to divide up projects. It's not always a 'trip'. Why is there just not a 'project' tab...and then start? Review Source ET Elena T. Logistic lead Logistics and Supply Chain Used the software for: I used a free trial ### "Zoho make my life easy and fun" February 21, 2026 5.0 Great and professional. Zoho expenses is a great tool to keep your info updated and have proper register of your company adm. Pros The easy menu and all details clear and well structured, make easy to learn and continuo to using the app. Plus the customer support is professional and on time. if you need a personal attention via video or call, they are open to do that ,so you don't need you are only interact with machines. Cons i don't have any complaint. Until now, the Service and the User interface make my life easy and my information is well organised. Review Source HG Heidi G. Installer Construction Used the software for: Less than 6 months ### "Zoho expense invaluable for our small business" August 4, 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. Alternatives considered [Expensify](https://www.capterra.com/p/97594/Expensify/)[QuickBooks Solopreneur](https://www.capterra.com/p/212141/QuickBooks-Self-Employed/) Reason for choosing Zoho Expense previous experience with Zoho apps and services, as well as low price for single user Switched from [Odoo](https://www.capterra.com/p/135618/Odoo/) Odoo stopped providing the ability to make expense reports which included receipt images. there was no customer facing report option, only spreadsheets style reports for internal auditing. Review Source CC Camille C. Operations and Finance Manager Health, Wellness and Fitness Used the software for: I used a free trial ### "Reliable expense management with strong support, but limited flexibility" January 29, 2026 4.0 is a solid expense management tool with strong reporting I look forward to being fully set up so I can integrate with the other apps particularly Zoho Books. It seems to work well for day-to-day expense tracking and approvals, but it is less flexible for organizations with complex, multi-currency, or donor-funded structures like ours. With clearer documentation and more configurable options, it could be significantly stronger for nonprofit and international teams. Pros Their customer support team is responsive, knowledgeable, and genuinely helpful. Support tickets are handled quickly, and follow-ups are consistent until issues are resolved. This has been especially valuable during initial setup and configuration. I am grateful for the customer support team's responsiveness. They are very knowledgeable. I want to shout out to Iftesham who has been so amazing through out. Cons Some core configurations are rigid, particularly around base currency, advances, and how expenses are categorized across projects or departments. The learning curve for admins is steeper than expected. So I'm glad they have 2 free hours of onboarding. Alternatives considered [Caxton](https://www.capterra.com/p/10011903/Caxton/) Reason for choosing Zoho Expense Customer Support was great, they are able to customize and enable features Review Source SB Susanna B. Controller Medical Devices Used the software for: I used a free trial ### "End the spreadsheet reign of terror" November 4, 2025 5.0 We are seeking a reasonably priced expense program to end the reign of the terrible spreadsheets that get emailed around for approval. seems to meet our needs well and has been easy to set up. We have been using it for only a couple of days so the jury is still out, but so far, we see great potential. Pros Complex enough to meet our needs but easy enough to set up fast. It was really easy to add credit cards and the dashboards are helpful. Cons We are still looking for a con, I suppose it was annoying that the account types weren't quite as customizable as I would have liked, but that was minor and we found a work around Alternatives considered [Expensify](https://www.capterra.com/p/97594/Expensify/)[SAP Concur](https://www.capterra.com/p/380/Concur-Expense/) Reason for choosing Zoho Expense does not try and sell us their own credit card and it was more reasonably price than the astronomically expensive Concur Review Source JG Jay G. Marketing Manager Marketing and Advertising Used the software for: 2+ years ### "User Friendly Simple Software With Useful Features" April 15, 2026 5.0 Zoho has been incredibly useful at my organization due to its ability to collect receipts and print weeks worth of expenses on a single document. It's user friendly and the approval "alerts" help staff feel comfortable that their expenses are being reviewed and processed. Pros Adding users, setting rules, and creating expenses is incredibly simple and user friendly. Additionally the download as PDF and approval networks are excellent. Cons The "admin view" can be quite overwhelming. It takes a bit too long to find what you're looking for. For examples "Users" should already be on the left menu main page. Alternatives considered [Google Sheets](https://www.capterra.com/p/169718/Google-Sheets/) Reason for choosing Zoho Expense Manual option. Insert receipt info and collect receipts manually. Review Source Dawn W. Controller Farming Used the software for: Less than 6 months ### "Saving time and energy with Zoho Expense" April 15, 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. Alternatives considered [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/) Reason for choosing Zoho Expense No comparison between the two products - Zoho is the real deal. Review Source AM Albert M. Senior Operations Strategist Security and Investigations Used the software for: Less than 6 months ### "Great Product" January 30, 2026 5.0 Pros Love how smooth and easy it communicates with QuickBooks Online. The app is great and easy. Our employees love it. Cons One thing that's a more inconvenience than a con, is being able to select multiple reports to export to QuickBooks online at a time. At this point we have to click into one report at a time to export to QuickBooks. I would also love to see a timekeeping option that also works with QuickBooks online and QuickBooks Payroll so we have a 1 stop shop. Alternatives considered [SAP Concur](https://www.capterra.com/p/380/Concur-Expense/)[QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)[Ramp](https://www.capterra.com/p/207081/Ramp/) Reason for choosing Zoho Expense We choose because it was the most friendly integration with QuickBooks online. Switched from [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/) It wasn't working properly with receipt upload. Review Source John O. General Manager Consumer Services Used the software for: 6-12 months ### "One to Beat!" March 5, 2026 5.0 The support is superb and customer service is very efficient. The app is very stable and user friendly. Pros Automatic receipt scanning and mileage tracking. It's been a super quick and user friendly app that maximizes efficiency Cons Possibly the lack of mileage tracking on the free version. It would be very handy for small businesses. Review Source SN Sinethemba N. two IC Industrial Automation Used the software for: Less than 6 months ### "TRRC review" June 4, 2026 5.0 Overall, has been very useful for managing company expenses, advances, receipts, and approvals. Once the process is understood, it gives the accounts team better visibility and helps users keep proper records. It does take some setup and training, but it is a strong system.zing Pros I like that makes it easy to record advances, upload receipts, create reports, and track expenses in one place. The reporting helps the accounts team see what has been spent, what still needs to be approved, and what needs to be reimbursed or reconciled. Cons The interface can be confusing at first, especially when working with advances, reimbursements, and company-paid expenses. It is not always immediately clear which option to choose, and small mistakes can make the reimbursement amount show incorrectly. Alternatives considered [Dext](https://www.capterra.com/p/160189/Dext/) Reason for choosing Zoho Expense We chose because it integrates well with our existing Zoho Books and finance setup. It helps us manage expenses, advances, receipts, approvals, and reporting in one connected system. Review Source YD Yoelvis D. Jefe de equipo BIM Construction Used the software for: 1-2 years ### "Zoho Expense en la gestión financiera de proyectos: control eficiente con ciertas limitaciones" March 30, 2026 4.0 La experiencia general con ha sido positiva en términos de control de gastos y eficiencia administrativa. Permite centralizar la gestión de costes y mejorar la visibilidad financiera del proyecto. Sin embargo, como BIM Manager, su uso es complementario, ya que no interactúa directamente con modelos ni procesos técnicos, sino que apoya la gestión económica dentro del ecosistema del proyecto. Pros es una herramienta sólida para la gestión de gastos corporativos, especialmente útil en entornos donde se requiere control detallado de costes, reembolsos y políticas de gasto. Su automatización en la captura de recibos, categorización y generación de reportes facilita la administración financiera. Desde un enfoque de gestión de proyectos, aporta transparencia y trazabilidad. Cons Una de las principales limitaciones es su falta de integración directa con plataformas BIM o herramientas técnicas de construcción, lo que obliga a gestionar la información financiera de forma paralela. Además, algunas funcionalidades avanzadas están restringidas a planes superiores, y la personalización de ciertos reportes puede resultar limitada en comparación con soluciones más especializadas en gestión financiera de proyectos complejos. Review Source Tammy W. CEO Leisure, Travel & Tourism Used the software for: I used a free trial ### "Convert from Expensify to Zoho Expense " April 8, 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. Switched from [Expensify](https://www.capterra.com/p/97594/Expensify/) Expensify was charging us $40 per month and even when we reduced the # of users, they described a lower price but would not honor it once we made the change. Their customer service is poor. Review Source RT Randon T. President Marketing and Advertising Used the software for: 6-12 months ### "Game Changer" December 11, 2025 5.0 I was recommended by another business owner and I'm very grateful he did. It has changed my company's expenses dramatically. Pros I love how easy it is to use for my own personal expenses and love how easy it is to provide payments to employees. I have complete transparency of my expenses and know it does properly. Cons The only con I have is the mileage tracker sometimes seems to miss some mileage. This being said my team travels in very remote areas of the US. Alternatives considered [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/) Reason for choosing Zoho Expense Zoho had a few extra features that helped sway me. Review Source Lemuel W. owner Writing and Editing Used the software for: I used a free trial ### "Better than Expensify!" March 4, 2026 5.0 better than expensify! I'm officially switching. I find it far easier to work with and the price is better, the perfect combo. Pros easy! The scans work great, as do emails. I can set up reports and categorize with no issue. And I love the price! Cons I don't like how corporate cards can't be set for reimbursement. And deleting cards proved difficult. There's a bit of a learning curve. Switched from [Expensify](https://www.capterra.com/p/97594/Expensify/) bad customer service and price and confusion Review Source Windy M. Owner Media Production Used the software for: Less than 6 months ### "Great Value; Great Product" May 8, 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. Switched from [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/) Quickbooks was too expensive for the way I use it Review Source RG Rushikesh G. Senior Manager of Operations Non-Profit Organization Management Used the software for: I used a free trial ### "Efficient and Secure Expense Management Solution" November 18, 2025 5.0 offers a powerful yet user-friendly platform delivering excellent security, functionality, and support. It streamlines expense management effectively, proving to be a great investment for organizations aiming for operational efficiency. Pros What I liked most about is its robust security features and intuitive user interface. The payment processing and approval workflow are smooth and customizable, making expense tracking and approvals hassle-free. The value for money and responsive customer support further enhance the overall experience. Cons The only downside is that some advanced features can have a learning curve initially, which may require extra time for onboarding. Review Source Diana D. Controller Automotive Used the software for: I used a free trial ### "Easy to implement and use" November 4, 2025 5.0 It is nice to have a central spot for credit card holders to keep on track with their expenses and for us in accounting to not have to chase people down to get receipts. Pros It is easy to connect your corporate card and easy to set up. I like that we can add various expense categories to make it easier for users to code their transactions. Cons It is minor, but I wish I could connect user cards for them when I invited. Other than that all is good! Alternatives considered [Expensify](https://www.capterra.com/p/97594/Expensify/)[Sage Expense Management](https://www.capterra.com/p/162066/Fyle/) Reason for choosing Zoho Expense Similar in ease of use and implementing but with a better price tag. It could also connect to our existing corporate card program. Review Source JW James W. Principal Consultant Mining & Metals Used the software for: Less than 6 months ### "Highly Recommend for any business" August 11, 2025 4.0 I now have several ZOHO products and they have all been good to set up and use. The phone support is very handy, however I have found that there are plenty of training videos on youtube which are easy to follow. Pros I've not set up a system to use for business and this has been a goodf experience. Ease of set up and use, BIG tick. Logical process for adding expenses which is very easy with the auto-scan function, just take a photo and let it scan then assign where you want it. Generating reports for the monthly expenses is straight forward. If you get stuck on anything there are great videos on youtube which makes the learning easy. The manual is laid out in an easy to use format. The videos and manual make it quick to learn how to set up the automation function for reporting which will save me time. Cons So far nothing to dislike. I've found the support very good and the platform logical to use. Maybe some onscreen prompts to help with linking expenses to invoicing would be handy. Alternatives considered [MYOB Business](https://www.capterra.com/p/183867/MYOB-Business/)[Expensify](https://www.capterra.com/p/97594/Expensify/)[Xero](https://www.capterra.com/p/120109/Xero/) Reason for choosing Zoho Expense Ease of set up and use. price was very competitive Review Source Ovi R. MD Environmental Services Used the software for: I used a free trial ### "Simple to use" May 26, 2026 4.0 has simplified our entire accounting workflow. It offers fantastic features for the price point, making it an excellent value for money compared to pricier competitors. It keeps our expense reports organized, secure, and compliant without forcing us to chase down physical paper receipts anymore. Pros he automated receipt scanning (OCR) is incredibly accurate and saves our team hours of manual data entry every week. It connects seamlessly with our corporate cards, fetching transactions automatically. The mobile app is also top-tier, making it easy to snap receipts and submit reports on the go. Cons the initial setup and policy configuration can feel a bit overwhelming because there are so many settings. Also, while the standard reporting is good, customizing highly specific reports takes a bit of a learning curve to get exactly right Alternatives considered [QuickBooks Enterprise](https://www.capterra.com/p/174984/QuickBooks-Enterprise/) Reason for choosing Zoho Expense good value for money compared to other brands Review Source Allison W. Principal Human Resources Used the software for: 2+ years ### "Expense reports no longer own the last day of the month!" September 30, 2025 5.0 I've used 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. Switched from [Expensify](https://www.capterra.com/p/97594/Expensify/) Terrible, inaccessible customer service and required to have two accounts to add 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.