Payhawk vs Zoho Expense
Side-by-side comparison of features, pricing, and integrations.
Quick Verdict
Payhawk offers more features (49 vs 36) and more integrations (22 vs 9). Starting price: Payhawk at $299/mo vs Zoho Expense at $4.3/mo. Payhawk has 48 unique features while Zoho Expense has 35 unique features, with 1 features in common.
| Payhawk | Zoho Expense | |
|---|---|---|
| Category | Expense Management | Expense Management |
| Total Features | 49 | 36 |
| AI-Powered Features | 15 | 3 |
| Starting Price | $299/mo | $4.3/mo |
| Pricing Tiers | 5 | 4 |
| Integrations | 22 | 9 |
| Shared Features | 1 | |
| Shared Integrations | 2 | |
| Data Quality | 90% | 80% |
Feature Comparison by Category
AI (9 vs 0)
| Feature | Payhawk | Zoho Expense |
|---|---|---|
| AI-Powered Data Extraction | ||
| Advanced OCR | ||
| Agentic Memory | ||
| Built-in Agentic Payments | ||
| Financial Controller Agent | ||
| Payments Agent | ||
| Procurement Agent | ||
| Smart Line Item Splitting | ||
| Travel Agent |
Admin (2 vs 0)
| Feature | Payhawk | Zoho Expense |
|---|---|---|
| Multi-Entity Environment | ||
| Unlimited Employee Seats |
Automation (6 vs 4)
| Feature | Payhawk | Zoho Expense |
|---|---|---|
| 2-Way and 3-Way Matching | ||
| Automated Expense Reports | ||
| Automated Per Diem Calculations | ||
| Automatic Categorization | ||
| Automatic Receipt Chasing | ||
| Itemized Receipt Autoscan | ||
| Mileage Auto Capture | ||
| Real-time Receipt Matching | ||
| Real-time Reconciliation | ||
| Receipt Autoscan |
Card Management (0 vs 1)
| Feature | Payhawk | Zoho Expense |
|---|---|---|
| Corporate Card Management |
Compliance & Control (0 vs 4)
| Feature | Payhawk | Zoho Expense |
|---|---|---|
| Basic Audit Trail | ||
| Country-specific Editions | ||
| Global Tax Compliance | ||
| Policy Enforcement |
Controls (3 vs 0)
| Feature | Payhawk | Zoho Expense |
|---|---|---|
| Discrepancy Detection | ||
| Real-time Card Controls | ||
| Spend Policy Management |
Data Management (0 vs 1)
| Feature | Payhawk | Zoho Expense |
|---|---|---|
| SFTP Exports |
Document Management (0 vs 1)
| Feature | Payhawk | Zoho Expense |
|---|---|---|
| Receipt Storage |
Enterprise Features (0 vs 1)
| Feature | Payhawk | Zoho Expense |
|---|---|---|
| Multi-entity Expense Management |
Expense Management (0 vs 5)
| Feature | Payhawk | Zoho Expense |
|---|---|---|
| Attendee Expense Management | ||
| Customer/Project Tracking | ||
| Expense Reporting | ||
| Mileage Tracking | ||
| Split Expenses |
Financial Control (0 vs 2)
| Feature | Payhawk | Zoho Expense |
|---|---|---|
| Budget Management | ||
| Live Budget Tracking |
Financial Management (0 vs 1)
| Feature | Payhawk | Zoho Expense |
|---|---|---|
| Cash Advance Management |
Integration (5 vs 1)
| Feature | Payhawk | Zoho Expense |
|---|---|---|
| ERP Integration | ||
| ERP Integrations | ||
| Enterprise HRIS Integrations | ||
| Export Templates and API | ||
| HRIS Integrations | ||
| Live Accounting Integrations |
Localization (0 vs 2)
| Feature | Payhawk | Zoho Expense |
|---|---|---|
| Multi-currency Support | ||
| Multi-language Support |
Mobile (1 vs 0)
| Feature | Payhawk | Zoho Expense |
|---|---|---|
| Mobile App |
Payment (7 vs 0)
| Feature | Payhawk | Zoho Expense |
|---|---|---|
| Bill Payment | ||
| Bring Your Own Cards | ||
| Credit Line | ||
| Multi-Currency Support | ||
| Payhawk Cards | ||
| Reimbursement Management | ||
| Scheduled and Bulk Payments |
Payment Processing (0 vs 1)
| Feature | Payhawk | Zoho Expense |
|---|---|---|
| ACH Payments |
Procurement (3 vs 0)
| Feature | Payhawk | Zoho Expense |
|---|---|---|
| Purchase Intake | ||
| Purchase Order Management | ||
| Vendor Management |
Reporting (2 vs 0)
| Feature | Payhawk | Zoho Expense |
|---|---|---|
| Budget Tracking | ||
| Trip Reports with Smart Grouping |
Reporting & Analytics (0 vs 2)
| Feature | Payhawk | Zoho Expense |
|---|---|---|
| Audit Trail Reporting | ||
| Real-time Expense Insights |
Security (4 vs 0)
| Feature | Payhawk | Zoho Expense |
|---|---|---|
| ISO 27001 Certification | ||
| PCI DSS Level 1 Security | ||
| SOC 2 Compliance | ||
| SSO / SAML |
Security & Compliance (0 vs 4)
| Feature | Payhawk | Zoho Expense |
|---|---|---|
| Fraud Detection | ||
| IP Whitelisting | ||
| Multi-factor Authentication | ||
| Single Sign-On (SSO) |
Spending (1 vs 0)
| Feature | Payhawk | Zoho Expense |
|---|---|---|
| Subscription Management |
Travel (3 vs 0)
| Feature | Payhawk | Zoho Expense |
|---|---|---|
| Business Travel Management | ||
| Custom Travel Policy | ||
| Global Hotel and Flight Booking |
Travel Management (0 vs 2)
| Feature | Payhawk | Zoho Expense |
|---|---|---|
| Travel Booking | ||
| Travel Management Desk |
User Management (0 vs 2)
| Feature | Payhawk | Zoho Expense |
|---|---|---|
| Custom User Roles | ||
| Expense Access Delegation |
Workflow (3 vs 0)
| Feature | Payhawk | Zoho Expense |
|---|---|---|
| Custom Discrepancy Workflows | ||
| Intelligent Workflow Approvals | ||
| Trip Requests and Proactive Approvals |
Workflow Management (0 vs 2)
| Feature | Payhawk | Zoho Expense |
|---|---|---|
| Advanced Approval Management | ||
| Custom Approval Workflows |
Unique Features
Only in Payhawk (48)
Multi-Entity Environment
Unlimited Employee Seats
Advanced OCR
Agentic Memory
AI-Powered Data Extraction
Built-in Agentic Payments
Financial Controller Agent
Payments Agent
Procurement Agent
Smart Line Item Splitting
Travel Agent
2-Way and 3-Way Matching
Automated Expense Reports
Automatic Categorization
Automatic Receipt Chasing
Real-time Receipt Matching
Real-time Reconciliation
Discrepancy Detection
Real-time Card Controls
Spend Policy Management
+ 28 more unique features
Only in Zoho Expense (35)
Automated Per Diem Calculations
Itemized Receipt Autoscan
Mileage Auto Capture
Receipt Autoscan
Corporate Card Management
Basic Audit Trail
Country-specific Editions
Global Tax Compliance
Policy Enforcement
SFTP Exports
Receipt Storage
Multi-entity Expense Management
Attendee Expense Management
Customer/Project Tracking
Expense Reporting
Mileage Tracking
Split Expenses
Budget Management
Live Budget Tracking
Cash Advance Management
+ 15 more unique features
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