Zoho Expense vs Brex Pricing (2026)
How do these two stack up on price? Here's what each one costs, what you get, and where the value sits.
| Zoho Expense pricing | Brex pricing | |
|---|---|---|
| Starts at | $4/mo | $12/mo |
| Number of plans | 3 | 3 |
| Free plan | ||
| Free trial | — | |
| Pricing model | per-seat | per-seat |
Price is one row. To weigh the features too, use our feature comparison template →
Free
- Maximum users: 3
- Receipt capture with AI-powered OCR
- Zoho Prepaid Mastercard® (NEW)
- Expense reports
- Expense tracking via personal cards
- Mileage expenses via GPS
- Accounting integrations
- Global tax compliance
- Multi factor authentication
- Multi-currency expenses
- Customer /project tracking
- Basic audit trail
- 5 GB receipt storage
- Email Support
- Zoho Expense MCP
Standard
- Itemised Receipt capture with AI-powered OCR in 38+ languages
- Corporate card management
- Real-time card feeds for Visa & Mastercard
- Multiple expense policies
- Attendee expense management (NEW)
- Custom user roles
- Expense access delegation
- Cash advance management
- ACH Payments
- Direct bank reimbursements
- Integration with WhatsApp, Slack (NEW)
- Email & call support
- Single sign-on (SSO)
- ERP and HRMS integrations (Add-on)
- Expense Intelligence with Zia AI (NEW)
- Agentic AI expense reporting and Approval
- Ask Zia AI bot
- AI insights dashboard
- AI powered expense Audit- Fraud and Alcohol detection
Premium
Popular- Employee Self-booking with OBT (NEW)
- Access to global inventory (Hotels, flights)
- Guest Booking (NEW)
- Inbuilt travel desk management tool
- GSA compliant automated per diem management
- Auto mileage capture with live tracking
- Live budget tracking
- Advanced approval management and policy customization
- Advanced customization
- Multi-entity/country expense management
- Duty of care
- Visa management automation
- Carbon emission tracking
Essentials
- Global card acceptance and 1 local card program
- AI-powered custom rules
- Up to two entities (1 global entity)
- Accounting integrations
- Local currency wires
- Travel booking (free on Essentials)
- Real-time reporting
- Brex API access
- Bill pay
- Reimbursements
Premium
- Multiple, customizable expense policies (category rules, role-based policy exceptions, and auto-approval rules)
- Dynamic expense review chains
- AI-powered compliance audit detection and insights
- Advanced approvals with dynamic Spend Limit approval chains
- Multi-entity (US & International)
- Customizable ERP integrations and HRIS integrations
- VAT documentation
- Group travel and advanced travel rules
- Live budgets
Enterprise
- Unlimited US or global entities
- Local card issuance, collections, reimbursements, and policies
- Named account manager for personalized support
- Admin center
- Fully customizable implementation services
Zoho Expense vs Brex FAQ
- Which one is cheaper?
- Zoho Expense starts lower at $4/mo, compared to $12/mo for Brex.
- Can I use either one for free?
- Both offer free plans, so you can try each without paying. Start with whichever fits your workflow better and upgrade when you hit the limits.
- How do they charge?
- Both use a per-seat model, so the comparison is straightforward — it comes down to features and limits at each price point.
- Which one is a better deal?
- Depends on what you need. Zoho Expense: At $4-6/seat, Zoho Expense undercuts most of the expense management category — Expensify, Rydoo, and SAP Concur all run notably higher per-user. They're clearly going after cost-sensitive SMBs and Zoho-ecosystem users rather than trying to win enterprise deals on features alone. Brex: Free-to-start puts Brex in the same low-friction bucket as Ramp, aiming squarely at startups and growth-stage companies rather than enterprises with entrenched Concur or SAP contracts. The $12/seat Premium tier is cheap enough to not be a blocker, suggesting Brex makes its real money on card spend and float, not software fees.
Still deciding? See the best Zoho Expense alternatives or the best Brex alternatives, ranked with verified pricing.
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