# Page 2 | Zoho Expense Reviews 2026. Verified Reviews, Pros & Cons | Capterra

> Page 2 - Is Zoho Expense the right Expense Report solution for you? Explore 1186 verified user reviews from people in industries like yours to make a confident choice.

Source: https://www.capterra.com/p/142384/Zoho-Expense/reviews

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Zoho Expense

4.6 (1186)

Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Learn more](https://www.capterra.com/our-story/)

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Last updated March 25th, 2026

# Page 2 - Reviews of Zoho Expense

## Showing most helpful reviews

Showing 26-50 of 1186 Reviews

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Rating

Company Size

Reviewer's Role

Length of Use

Frequency of Use

Lauren S.  
CFO  
Non-Profit Organization Management  
Used the software for: 1-2 years

### "Review of ZOHO"

August 21, 2025

4.0

Overall, Zoho Expense 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

Zoho Expense 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 Zoho Expense 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

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 Zoho Expense! 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

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

Jasmine R.  
Owner  
Arts and Crafts  
Used the software for: I used a free trial

### "Great for small businesses"

March 18, 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.

Alternatives considered

[Wave](https://www.capterra.com/p/178021/Wave-Apps/)

Reason for choosing Zoho Expense

Wave didn't quite do everything I needed to even with there paid plan.

Switched from

[QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)

I was not able to track my cash on hand nor have a petty account without having to upgrade from the Sole-proprietorship plan.

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

VR

Verified Reviewer  
Business Intelligence and Marketing Associate  
Machinery  
Used the software for: I used a free trial

### "Medium Sized Business Loves Zoho Expense"

June 4, 2025

4.0

So far, my organization really enjoys Zoho Expense. The app and the website are user-friendly and consistent. We use many of the integrations, the Autoscan receipt feature, the real-time corporate credit card feed. This has been a great help to our accounting department and our management team. We've cut down on time spent arguing or tracking down purchases, and we can now more closely analyze where our spending is better served, and which customers our spend pays off with.

Pros

My organization loves the receipt AutoCapture and the levels of approval that we can set up for our employees. The real-time corporate card feed provides significantly more visibility, and our accounting department commented positively about card purchase receipt matching capabilities. Assigning users to different departments is easy, as is planning travel and creating travel-specific expense reports.

Cons

Setting it up was overwhelming and required more time than expected to reach a point we were happy with. We found the number of customizations and automation difficult to navigate without a specific guide, especially after only a 30-minute demo call. The app is user-friendly, however, and we created a process that everyone is happy with.

Alternatives considered

[Expensify](https://www.capterra.com/p/97594/Expensify/)[Rydoo](https://www.capterra.com/p/128370/Xpenditure-Expenses/)[TripLog Mileage Tracker](https://www.capterra.com/p/151364/TripLog-MagicTrip/)[Sage Expense Management](https://www.capterra.com/p/162066/Fyle/)

Reason for choosing Zoho Expense

The price, combination of features, and a pre-existing account with Zoho CRM

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

Zoho Expense 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. Zoho expense 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

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

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 Zoho expense 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

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 Zoho Expense 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

Zoho Expense 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

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

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

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

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

Zoho Expense 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 Zoho Expense 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

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 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.

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

RKS

Rakesh K S.  
Founder  
Accounting  
Used the software for: Less than 6 months

### "seemles process"

October 3, 2025

5.0

Pros

I would like to request additional functionality within the current Attachment Module to better support our operational and documentation workflows. While the existing features are helpful, we require a few more facilities to improve usability and compliance readiness. Specifically, it would be beneficial to incorporate the following enhancements: - Multi-file upload support with drag-and-drop functionality - Preview capability for common file types (PDF, DOCX, XLSX, JPG, PNG) before submission - Auto-tagging or categorization based on file type or naming conventions - Timestamp and uploader metadata for audit tracking - Validation alerts for unsupported formats or size limits

Cons

Everything Auto-tagging or categorization based on file type or naming conventions - Timestamp and uploader metadata for audit tracking - Validation alerts for unsupported formats or size limits

Review Source

MB

Marvyn B.  
Owner  
Accounting  
Used the software for: 6-12 months

### "M&E Financial Services Review for Zoho"

January 2, 2026

5.0

Overall, I cannot complain. It allows me to do my job and give my clients what they expect from me without any issues.

Pros

Zoho provides everything I need for a small fraction of other software. Also, the features and abilities that it has. The reports I can run without having any issues.

Cons

The only thing I do not like is that you cannot bundle services or companies. Wish there was packages at a cheaper price for users who use multiple sections and for multiple companies.

Alternatives considered

[QuickBooks Enterprise](https://www.capterra.com/p/174984/QuickBooks-Enterprise/)[Wave](https://www.capterra.com/p/178021/Wave-Apps/)

Reason for choosing Zoho Expense

I believed that Zoho would give me everything I need for a reasonable price.

Review Source

DD

Derek D.  
Owner  
Accounting  
Used the software for: I used a free trial

### "Small Business Wonder!"

January 21, 2026

4.0

Great solution. Would highly recommend to any small business looking for a fully integrated solution.

Pros

Zoho Expense is nicely integrated into Zoho book. I love that it is also tied to our credit cards and reminds me to scan the receipts immediately when the card is charged. The expense reports really go together nicely.

Cons

Still having a little bit of trouble with the Credit Card integration updating timely between the initial authorization and the final charge.

Review Source

MU

Mariano U.  
Managing Partner  
Investment Management  
Used the software for: 2+ years

### "Zoho Expense is the most effective expense reporting tool out there."

March 1, 2025

5.0

Manage business travel with their powerful self booking tool. The experience was unforgettable.

Pros

For travel and management expenses, Zoho Expense has proved to be the best in class. With it's excellent advanced features it makes it a benefit to any organization. A unique user-friendly management tool for all of us. Offers automated credit and cards reconciliation to streamlined purchase. We can all agree that it's a must to have tool.

Cons

I am honest reviewer, it has never dissapointed us in any way.

Switched from

[SAP Concur](https://www.capterra.com/p/380/Concur-Expense/)

It's ease and the cost made it favorable for us.

Review Source

Kyle B.  
CEO  
Airlines/Aviation  
Used the software for: I used a free trial

### "Great for startups "

April 22, 2025

5.0

I like that the company is accessible to small businesses and startups, but has the capability to handle large companies as well. Translation, we won't have to change vendors as our company scales.

Pros

I like that it is customizable and easy to use at an affordable rate without high minimums. Perfect for a startup, and scales with the business.

Cons

I haven't found anything that I don't like during the set up phase.

Alternatives considered

[Sage Expense Management](https://www.capterra.com/p/162066/Fyle/)

Reason for choosing Zoho Expense

The competitors all had really high minimum number of users.

Switched from

[Expensify](https://www.capterra.com/p/97594/Expensify/)

They couldn't link to our business bank account, and wouldn't give a reason why.

Review Source

JM

Jort M.  
Founder - CEO  
Food Production  
Used the software for: I used a free trial

### "Seamless Expense Management for Startups on the Go"

June 13, 2025

5.0

As a small startup, we’re always looking for tools that simplify our operations without adding complexity. Zoho Expense delivered exactly that. It’s streamlined, efficient, and already proving to be a valuable asset. We fully expect to integrate it into our daily business processes moving forward.

Pros

What impressed me most about Zoho Expense was its intuitive interface and excellent customer experience. I tried it out during a recent business trip and was amazed at how easy it was to add receipts and track expenses. The ability to quickly share reports with my team made collaboration effortless. It’s clearly designed with usability in mind.

Cons

So far, I haven’t encountered any major drawbacks. If I had to mention one, it might be that the full range of features could take a bit of time to explore for first-time users—but the learning curve is minimal thanks to the clean design.

Alternatives considered

[Expensify](https://www.capterra.com/p/97594/Expensify/)

Reason for choosing Zoho Expense

As a small and growing startup, I was looking for a solution that was not only powerful but also accessible and easy to adopt. Zoho Expense stood out because of its user-friendly interface and generous trial options, which made it easy to explore the full capabilities of the platform without upfront commitment. Compared to other tools I considered, Zoho offered better onboarding support and features that felt tailored to the needs of small businesses. It didn’t overwhelm me with complexity, and I could immediately see how it would streamline our expense management.

Review Source

EC

Ewan C.  
Billing and Accounts Administrator  
Telecommunications  
Used the software for: 2+ years

### "Zoho expense is great for company wide reimbursements."

June 30, 2025

5.0

We are now able to close our monthly expense reports quicker, and with less time spent going back and forth via email with both our financial team and regional teams.

Pros

Field can submit expenses easily using Zoho Expense, and the approval chain is flexible. Auto-scan for receipts saves time.

Cons

The interface may seem a bit outdated, and syncing with other Zoho apps can be slow. Without that issue, i feel using it very much helpful.

Review Source

SH

Sachin H.  
Director  
Education Management  
Used the software for: 6-12 months

### "Zoho Expense Review by Sachin Hegde"

October 29, 2025

5.0

Fantastic experience and proud to be using the product. I would like to recommend this product to everyone since Zoho is an ecosystem of many useful products which can be used seamlessly

Pros

Fantastic product with all the necessary features. Very well thought of interface and very useful. Best feature is the multi currency usage

Cons

Some integration issues may crop up. Customer support was not very prompt and infact I still have the query not addressed

Alternatives considered

[Walnut.io](https://www.capterra.com/p/245757/Walnutio/)

Reason for choosing Zoho Expense

Ease of use and customizations. Also, integrates well with other Zoho products

Review Source

SF

Steven F.  
Admin Analyst  
Mental Health Care  
Used the software for: I used a free trial

### "Great platform!"

February 20, 2026

5.0

For our purposes, Zoho Expense works best. I've tried other apps and had too many problems with them - Zoho just works!

Pros

Streamlines expense approvals which frees up valuable time for us. Great interface, fair price, checks nearly every box we were looking for.

Cons

There's one feature that would be huge that's hard to find in an expensing apps: The ability to automatically match when there are multiple charges for one receipt, or multiple receipts for one charge. This functionality would be huge for us!

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

Expensify did not handle the issue of matching multiple transactions to one receipt, or multiple receipts to one transaction (something we find happens with Amazon and Costco orders). Sage looked promising, but there was no trial available, and recent reviews indicate that the platform has become buggy and frustrating to use.

Review Source

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