Ramp vs Zoho Expense

Two expense management tools side by side. Prices are the starting plan a small business would pick, in USD.

Compare	RampRamp	Zoho ExpenseZoho
In one line	Free corporate cards with built-in expense control	Receipt scanning and expense reports from $3 a user
Starting price	Free	From $3/person
Six-person team	$0/mo	$18/mo
Plans	Free; Plus $15/user/mo plus a platform fee by team size; 20% off annual	Free up to 3 users (20 scans/user/mo); Standard $3/user/mo; Premium $5/user/mo, billed annually (monthly $4/$6)
Pricing model	Free	Free tier
Free trial	—	14 days
Users	Unlimited	Up to 3 free
Both connect to	QuickBooks Online, Xero, Zoho Books
Also connects to	Puzzle, Kick, Pilot200+ listed by the vendor	No others on record
Team size	2–10 people · 11–50 people · 51–200 people	Just me · 2–10 people · 11–50 people
Available in	US	US · UK · CA · AU
Phone support	Plus and up	Standard and up
Live chat	Every plan	Plans not stated
Support hours	Live chat: 24/7 · Phone: 24/7	Email: 24 hours a day from Monday to Friday · Phone: 24 hours a day from Monday to Friday
Incidents posted	We found no public status page for Ramp.	Zoho has a public status page. Status page
Capterra score	4.9 / 5 from 223 reviews	4.6 / 5 from 1,228 reviews
Trustpilot score	2.3 / 5 from 217 reviews	Not listed
Fit: Retail shop	60	55
Fit: Restaurant or café	60	50
Fit: Service business	80	80
Fit: Agency or studio	90	82
Fit: Trades or contractor	70	75
Fit: Online store	85	55
Why people pick it	No fees on the core product Limits enforced at the card	Cheap per user Free for three people
Where it falls short	Requires a US entity and bank Credit limit tied to cash balance	No corporate cards Dense interface
	Visit Ramp ↗	Visit Zoho Expense ↗

Six-person prices are what a team of six would pay on the published plans; "Not listed" means those plans don't cover six. How we calculate prices