Rydoo vs Zoho Expense
We give Rydoo a 2.6 GPA and Zoho Expense a 3.0, out of 4.0. Zoho Expense grades higher on value for money and the free plan. They get the same grade on features, ease of use and platforms.
Price, platforms and features side by side. The table says where each price was read and when.
Rydoo
Expense reports with an AI receipt scanner and multi-country rules
Zoho Expense
Expense reports, receipt scanning and travel booking from Zoho
How we grade them
| 2.6GPARydooGood | 3.0GPAZoho ExpenseVery good | |
|---|---|---|
| Value for money | CGraded against its expense-tool alternatives. Ten people on Essentials cost $90 a month at $9 each, billed yearly, or $110 on Pro for QuickBooks and Xero. That's dearer than Expensify, Zoho Expense or Navan for ten, though cheaper than Pleo. | BGraded against its expense-tool alternatives. Ten people on Standard cost $30 a month at $3 each, billed yearly. That's less than Expensify, Navan, Rydoo or Pleo charge for ten, though Ramp does expenses for nothing. |
| Free plan and trial | CNo free plan, but a 14-day trial of every feature with no credit card needed. | BThe free plan runs the whole loop for up to 3 users: 20 AI receipt scans each a month, reports, GPS mileage, the prepaid card and accounting links. One person could live on it. Paid plans have a 14-day trial with no card. |
| Features | CReceipts, unlimited expenses, mileage, per diems and approvals are all covered. The gaps are in the listing: accounting sync starts on Pro, Rydoo's own cards need 30 active users, and supplier invoices are a separate quoted product. | CExpense reports are done fully, with AI scans in 38+ languages, policies, mileage, card feeds and ACH reimbursements. It's a smaller job than the category's, though: no supplier bill pay is listed, and travel booking needs Premium. |
| Ease of use | A4.92 from 1,493 App Store ratings, the top band. Staff photograph a receipt and it becomes an expense. | A4.84 from 8,238 App Store ratings, the top band. Snap the receipt and it reads the lines for you, and mileage tracks itself by GPS. |
| Platforms and integrations | BWeb, iPhone and Android, with QuickBooks, Xero, Exact Online, SAP, Dynamics, NetSuite, Uber and Slack. No desktop app is listed, and the API needs Business at 30 active users. | BWeb, iPhone and Android, with Zoho Books, QuickBooks Online, Xero, NetSuite, Zoho People, Zoho CRM, Uber and Slack. No desktop app is listed, and ERP and HR integrations are an add-on on Standard. |
| Best for | expenses for staff in several countries | cheap expense reports for small teams |
The GPA is the average of the five grades: an A is 4 points, an F is none. The full reasons are on each tool's page: Rydoo and Zoho Expense. How we grade
Price against what you get
Rydoo starts at $9 a month for each person and scores 3.0 out of 4 on features, ease of use and platforms. Zoho Expense starts at $3 a month for each person and scores 3.0.
They score the same, and Zoho Expense starts $6 a month lower. Of the other spend and bill pay tools on the chart, 1 scores higher than Rydoo for less, and none scores higher than Zoho Expense for less.
Features, ease of use and platforms, averaged
What paid plans start at, a month (each step along is roughly double) →
- The best score at each price
- Has a free plan
- No free plan
Where they differ
- Rydoo starts at $9 per user / month, billed annually ($12 billed monthly). Zoho Expense starts at $3 per user / month, billed annually ($4 billed monthly).
- Zoho Expense has a free plan. Rydoo does not, though it has a free trial.
- Zoho Expense also covers reports.
At a glance
| Rydoo | Zoho Expense | |
|---|---|---|
| Pricing | Free trial | Free plan |
| Starts at | $9 per user / month, billed annually ($12 billed monthly) | $3 per user / month, billed annually ($4 billed monthly) |
| Free plan | None | Free: up to 3 users, 20 AI receipt scans per user a month, expense reports, GPS mileage, multi-currency expenses, accounting integrations and 5 GB of receipt storage. |
| Free trial | 14-day free trial with all features, no credit card required | 14-day free trial, no credit card required |
| Web | ||
| iOS | ||
| Android | ||
| Made by | Rydoo | Zoho Corporation |
| Price read from | rydoo.com | zoho.com |
| Checked | Oct 18, 2026 | Oct 18, 2026 |
Who each one suits
Rydoo
- Companies with employees claiming expenses in several countries
- Teams that pay staff mileage and daily allowances
- Businesses that want per-user pricing with a published price
Zoho Expense
- Small teams of up to 3 people who need free expense reports
- Businesses already using Zoho Books or other Zoho apps
- Companies that want low per-user pricing with travel booking
Worth knowing
Rydoo
- Essentials and Pro start at 5 users; Business needs 30 active users and Enterprise 50, and both are priced by quote.
- Accounting integrations start on Pro, and API access, SFTP and Rydoo's own corporate cards need Business.
- Supplier invoice processing is a separate Rydoo accounts payable product, with four plans priced only by quote.
- Only Business and Enterprise bill for active users alone; Essentials and Pro are charged per user.
Zoho Expense
- Anyone who creates an expense or report is billed as a user. The free plan stops at 3 users and 20 receipt scans per user a month.
- ERP and HR integrations are an add-on on Standard, travel self-booking as an add-on costs $9.99 a trip, and premium support starts at $490 a year.
- The Zoho Prepaid Mastercard is issued by Pathward, N.A. and is loaded from a funding account rather than a credit line.
- Travel booking, per diems, live budgets and multi-entity expenses need Premium.
Key features
Rydoo
- Receipt scanner app
- Employees photograph a receipt and AI reads it into an expense; there is no cap on the number of expenses on any plan.
- Mileage and per diems
- Mileage claims are calculated from the start and end points and your rates, and Pro adds daily allowances kept compliant in more than 15 countries.
- Policies and approvals
- One approval level on Essentials, two levels with custom spending rules on Pro, and approvals for trips and cash advances.
- Card matching
- Pro matches Visa, Mastercard, Amex, Corner Card and AirPlus transactions to expenses automatically; Business adds Rydoo's own cards.
- Multi-country compliance
- Certified paperless expensing and local legal and tax rules, with a Compliance Centre listing what applies country by country.
- Rydoo Intelligence
- On Enterprise, AI agents answer questions before spending and audit expenses afterwards, beside an anomaly and forecasting dashboard.
Zoho Expense
- AI receipt scanning
- Receipts are read in more than 38 languages and turned into itemized expenses, up to a monthly scan limit that rises with the plan.
- Policies and approvals
- Expense reports go through approval rules, and Zia AI flags possible fraud and alcohol on receipts from the Standard plan.
- Mileage and per diem
- Track drives by GPS on a phone or Apple Watch, and apply GSA per diem rates automatically on Premium.
- Cards and reimbursements
- Real-time Visa and Mastercard feeds, the Zoho Prepaid Mastercard, cash advances and direct ACH reimbursements to employees.
- Travel booking
- Premium adds employee self-booking of flights and hotels, guest booking and an in-house travel desk tool.
- Zoho and accounting links
- Exports to Zoho Books, QuickBooks Online, Xero and NetSuite, and works with Zoho People, Zoho CRM and Zoho Projects.
Plans
Rydoo
Essentials$9
per user / month, billed annually ($12 billed monthly)
From 5 users. Receipt scanner app, unlimited expenses, mileage, single-level approvals, Uber, Lyft and Slack links, and Excel or PDF exports.
Pro$11
per user / month, billed annually ($14 billed monthly)
From 5 users. Adds per diems, QuickBooks, Xero and Exact Online, card matching, custom policies and two-level approvals.
BusinessCustom
From 30 active users. Adds Rydoo Cards, API and SFTP access, custom bank transaction feeds and priority support.
EnterpriseCustom
From 50 active users. Adds Rydoo Intelligence AI agents, advanced approvals, an insights dashboard, SAML SSO and HR connectors.
Zoho Expense
Free$0
Up to 3 users, 20 receipt scans per user a month, expense reports, GPS mileage, the Zoho Prepaid Mastercard and accounting integrations.
Standard$3
per user / month, billed annually ($4 billed monthly)
200 scans per user a month, card feeds, multiple policies, cash advances, ACH reimbursements, SSO and Zia AI reporting and audit.
Premium$5
per user / month, billed annually ($6 billed monthly)
1,000 scans per user a month, travel self-booking, a travel desk, GSA per diems, live budgets and multi-entity expenses.
EnterpriseCustom
A spend platform combining travel, expenses, cards, procurement, accounts payable and payroll, quoted for large organizations.
Ways to pay less
Rydoo
- Annual discount
Save up to 25% with yearly billing
Essentials costs $9 per user a month billed yearly instead of $12 monthly, and Pro $11 instead of $14.
Zoho Expense
- Annual discount
Save up to 25% with yearly billing
Standard costs $3 per user a month billed yearly instead of $4 monthly, and Premium $5 instead of $6.
- Nonprofit
Discounted pricing for nonprofits
Zoho says Zoho Expense is available at discounted pricing for nonprofit organizations; the discount is not stated.
