Visa Spend Clarity vs. Zoho Expense

Overview
ProductRatingMost Used ByProduct SummaryStarting Price
Visa Spend Clarity
Score 8.5 out of 10
N/A
Visa Spend Clarity offers a suite of end-to-end spend management solutions to empower businesses of all sizes and levels of complexity to control spend, maximize visibility, and optimize cashflow. it is designed so that with it, financial institutions can deliver payment and spend management technology to help to increase card spend, improve customer retention, and differentiate their service.N/A
Zoho Expense
Score 8.5 out of 10
N/A
Zoho Expense is online expense reporting software, tailor-made for businesses worldwide to automate expense report creation, streamline approvals and make swift reimbursements.
$5
per month per user
Pricing
Visa Spend ClarityZoho Expense
Editions & Modules
No answers on this topic
Free
$0
Standard Plan
$5
per month per user
Premium Plan
$9
per month per user
Custom
Get a Quote
per month per user
Custom
Get a Quote
per month per user
Custom
Get a Quote
per month per user
Offerings
Pricing Offerings
Visa Spend ClarityZoho Expense
Free Trial
NoYes
Free/Freemium Version
NoYes
Premium Consulting/Integration Services
NoYes
Entry-level Setup FeeNo setup feeOptional
Additional Details20% discount for annual pricing.
More Pricing Information
Community Pulse
Visa Spend ClarityZoho Expense
Top Pros

No answers on this topic

Top Cons

No answers on this topic

Features
Visa Spend ClarityZoho Expense
Expense Management
Comparison of Expense Management features of Product A and Product B
Visa Spend Clarity
-
Ratings
Zoho Expense
6.9
3 Ratings
19% below category average
Employee Expense Reporting00 Ratings8.33 Ratings
Corporate Card Reconciliation00 Ratings5.53 Ratings
Payment Management
Comparison of Payment Management features of Product A and Product B
Visa Spend Clarity
-
Ratings
Zoho Expense
7.4
3 Ratings
10% below category average
Customizable Approval Policies00 Ratings7.73 Ratings
Financial Document Management00 Ratings8.02 Ratings
Payment Status Tracking00 Ratings7.73 Ratings
Payment Audit Trail00 Ratings8.02 Ratings
Duplicate Bill Detection00 Ratings6.73 Ratings
Advanced OCR00 Ratings6.82 Ratings
Electronic Funds Transfer00 Ratings6.93 Ratings
Best Alternatives
Visa Spend ClarityZoho Expense
Small Businesses
BILL Spend & Expense
BILL Spend & Expense
Score 8.9 out of 10
Dext Prepare (with Receipt Bank)
Dext Prepare (with Receipt Bank)
Score 9.6 out of 10
Medium-sized Companies
Lola.com
Lola.com
Score 8.0 out of 10
BILL Spend & Expense
BILL Spend & Expense
Score 8.9 out of 10
Enterprises
GEP SMART
GEP SMART
Score 8.0 out of 10
Webexpenses
Webexpenses
Score 8.7 out of 10
All AlternativesView all alternativesView all alternatives
User Ratings
Visa Spend ClarityZoho Expense
Likelihood to Recommend
8.7
(3 ratings)
7.7
(7 ratings)
Usability
-
(0 ratings)
8.0
(3 ratings)
Support Rating
-
(0 ratings)
10.0
(3 ratings)
User Testimonials
Visa Spend ClarityZoho Expense
Likelihood to Recommend
Visa
It is well suited and, I guess, is a primary role for remote or distributed teams - especially when you know a person not well to trust him in managing local costs was agreed to pay. If you work with contractors with irregular payments, it will suit you as well cause of immediate card transfer, but it may be limited by your local KYC policy. It is not typical to pay payroll costs with it because it is focused mostly on operations with virtual card balances, so it is less appropriate for it. So it works best for remote teams.
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Zoho
easy of use for the end users as well as to manage. The option to add new categories (expenses) and have the end users use them immediately is wonderful. The ease of creating a new user as well as customer support has been great. The customer support while having issues has been quick to resolve any issues
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Pros
Visa
  • Visa Spend Clarity provides clear and concise spending reports that make it easy to track and monitor spending.
  • The reports can be customized to show specific spending categories, merchant types, and time periods.
  • Visa Spend Clarity also offers a variety of tools and resources to help cardholders manage their spending and avoid overspending.
  • Helping users track their spending in real-time
  • Providing budgeting tools to help users stay on track
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Zoho
  • The program will notify users if they have entered a duplicate charge.
  • Once the end-users understood that receipts were mandatory, attaching those receipts has become second-nature. The app makes it very easy to do so.
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Cons
Visa
  • More users
  • More brand awareness
  • More partners needed
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Zoho
  • Could have more default options. Instead of making my users select payment method, allow us to default it to one of the options.
  • More room for customization by department. My service department needs different categories of expenses then my sales department.
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Usability
Visa
No answers on this topic
Zoho
Ease of use for the simple basic options. I wish the there was an option for reimbursement to be marked separately. Example for all corporate credit expense reports with $0 reimbursements still have to be marked as reimbursed in order to be removed from pending reimbursement section. For the cost the features offer benefits
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Support Rating
Visa
No answers on this topic
Zoho
The only reason I give Zoho a 9 is because of the issue with the Chart of Accounts skewing every time I export/import. I believe this is due to the fact that I use sub-accounts and Zoho cannot differentiate. Still hoping. :)
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Alternatives Considered
Visa
It is mostly focused on virtual visa operations. In general, all cash flow controlling suits easily can start from Excel or Google Colab integrations and evolve even to Sungard or WSS. It depends. Visa Spend Clarity is about your flexibility "to have your own bank in a pocket" - open sub-accounts, set limits, and reconcile costs actually made by your contractors or employees. We should see it wider and include Uber, Booking, Airbnb, and Flow interactions to make it a really fast process for your contractor from your "Yes" to contractor "Done". The Visa Spend Clarity is not exactly about your money (costs). It is more about your ability to start acting faster even if all details of cooperation with a person are not agreed upon, but as soon as possible, discuss critical details or add maneuver to your decision-making while limiting financial risk with reasonable limits.
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Zoho
We selected (switched) to Zoho Expense because it had similar features at a lower price and we were able to receive a discount through our partner relationship with another software company. We have considered moving from Zoho Expense to something else recently due to continued issues with being able to accurately import credit card charges and organize them correctly be team member. Creating some confusion among users.
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Return on Investment
Visa
  • Some possible positive impacts of Visa Spend Clarity include increased transparency of spending habits, more effective budgeting and money management, and improved overall financial health. Additionally, Visa Spend Clarity may also lead to more strategic and informed decision-making when it comes to using credit.
  • On the other hand, some possible negative impacts of Visa Spend Clarity include feelings of anxiety or guilt associated with credit card spending, as well as the potential for overspending if users are not careful.
  • Additionally, Visa Spend Clarity may also lead to financial arguments or conflict if users are not on the same page about their spending habits.
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Zoho
  • We have had some issues with the credit card reconciliation process which has made our monthly accounting / close process. This has been a negative
  • Positive ROI is that team members spend less time on expense reports due to the ease of reporting
  • Positive ROI is that substantial training and onboarding is not needed due to the features and simplicity.
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