Divvy vs Concur Expense vs RAMP Finance vs Zoho Expense Comparison
Divvy
Starting at Contact for pricing
- Medium Business
- Small Business
Divvy is intuitive, powerful accounting software. It maintains your accounts, tracks income and expenses, provides secure cloud storage for complete business backups, and helps you stay organized with customizable report…
Concur Expense
Starting at Contact for pricing
- Free Trial
- Large Enterprises
- Medium Business
Concur expense management software is an online travel & expensing management service that enables companies to eliminate painful paper-processing and tracking methods. Concur offers many options for employers including…
RAMP Finance
Starting at $0 /user/month
- Free Trial
- Large Enterprises
- Medium Business
Ramp is a comprehensive financial management platform that simplifies and automates core finance operations for businesses. Offering corporate cards, expense management, bill payments, and vendor management tools, Ramp e…
Zoho Expense
Starting at $4 /user/month
- Free Trial
- Freelancers / Consultants
- Large Enterprises
Zoho Expense software helps to easily track travel, entertainment and other expenses, get receipts on-the-go using mobile devices, organize expense reports, and maintain financial records – all in one place. Zoho Expense…
Divvy vs Concur Expense vs RAMP Finance vs Zoho Expense — at a glance
| Feature | Divvy | Concur Expense | RAMP Finance | Zoho Expense |
|---|---|---|---|---|
| Rating | 4.1 / 5 | 4.1 / 5 | — | 4.7 / 5 |
| Reviews | 329 | 6,124 | — | 650 |
| Starting price | Contact for pricing | Contact for pricing | $0 /user/month | $4 /user/month |
| Free trial | No | Yes | Yes | Yes |
| Free version | No | No | No | No |
| Best for | Medium Business, Small Business | Large Enterprises, Medium Business, Small Business | Large Enterprises, Medium Business, Small Business | Freelancers / Consultants, Large Enterprises, Medium Business |
| Category | Accounting Software | Expense Management Software | Expense Management Software | Expense Management Software |
| Platforms | SaaS/Web/Cloud, Mobile - Android, Mobile - iOS | SaaS/Web/Cloud, Mobile - Android, Mobile - iOS | SaaS/Web/Cloud | SaaS/Web/Cloud, Mobile - Android, Mobile - iOS |
| API | — | — | Available | — |
| Support modes | Business Hours | Business Hours, Online | Online | Business Hours, Online |
| Certifications | SOC 2 | SOC 2 | SOC 2 | SOC 2, GDPR |
| Data residency | US | Global | US | Global |
Key differences between Divvy and Concur Expense
- Free trial: Concur Expense offers a free trial; Divvy does not.
- Target audience: Divvy is built for Medium Business and Small Business, while Concur Expense targets Large Enterprises and Medium Business.
- Deployment: Divvy supports SaaS/Web/Cloud, Mobile - Android, Mobile - iOS; Concur Expense supports SaaS/Web/Cloud, Mobile - Android, Mobile - iOS.
Compare Divvy vs Concur Expense vs RAMP Finance vs Zoho Expense — and walk away knowing which one fits.
Which tool fits your team best
Which is actually cheaper for your team size
Where each product wins, per real buyers
Most Accounting Software tools look identical on paper. This comparison cuts to the differences that matter — pricing structure, team fit, and what real buyers found after signing up.
Biggest differences
Features
Pricing
Buying details
Security
Buyer feedback
Integrations
Product tour
Other options
Talk to an expert Talk to an expert |
Biggest differences
Start here before you go deeper into features.
Medium Business, Small Business
Large Enterprises, Medium Business, Small Business
Large Enterprises, Medium Business, Small Business
Best for mid-sized teams needing integrated, automated expense management.
- You require automatic receipt scanning including handwritten receipts for faster expense capture.
- Your company uses Zoho Books or other Zoho apps and needs seamless integration.
- You want configurable workflows and spending policies to control expenses efficiently.
- You are a solo freelancer needing full feature access without minimum user requirements.
- You run a very small business with a tight budget seeking a low-cost expense tool.
Divvy typically suits Medium Business and Small Business. Concur Expense tends to fit Large Enterprises and Medium Business better. The right choice depends on your team size, workflow, and whether a free trial matters.
Description | Divvy is intuitive, powerful accounting software. It maintains your accounts, tracks income and expenses, provides secure cloud storage for complete business backups, and helps you stay ... Read More about Divvy | Concur expense management software is an online travel & expensing management service that enables companies to eliminate painful paper-processing and tracking methods. Concur offers many ... Read More about Concur Expense | Ramp is a comprehensive financial management platform that simplifies and automates core finance operations for businesses. Offering corporate cards, expense management, bill payments, and ... Read More about RAMP Finance | Zoho Expense software helps to easily track travel, entertainment and other expenses, get receipts on-the-go using mobile devices, organize expense reports, and maintain financial records – ... Read More about Zoho Expense |
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Entry Level Pricing |
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Spotsaas ScoreWhat's this? ↗ | 8.3/10 | 8.5/10 | Not Available | 8.8/10 |
User RatingsBased on verified Spotsaas reviews | ||||
Best Company Size | — | — | — | 10-50 employees51-1,000 employees |
Get pricing help | Get pricing help |
Where each option fits best
See where each product is strongest, which teams it fits, and what causes buyers to keep looking — before you commit.
Based on buyer reviews and verified product data collected by Spotsaas.
Key strengths
No key benefits available yet.
No key benefits available yet.
No key benefits available yet.
- Seamless Receipt Capture and Expense Reporting: Zoho Expense allows users to capture receipts on the go via mobile apps, automatically extracting data to simplify expense report generation.
- Integrated with Zoho Suite and Popular Accounting Tools: It integrates smoothly within the Zoho ecosystem and with major accounting software, helping streamline financial workflows.
- Automated Workflows and Policy Enforcement: The platform supports automated approval processes and configurable spending policies, enabling better control over company expenses.
Best fit
No best-fit guidance available yet.
No best-fit guidance available yet.
No best-fit guidance available yet.
- 10–1,000 employees
- IT Services, Consulting, Finance, Marketing Agencies, Healthcare, Education
- Finance Manager, Accountant, Expense Analyst, HR Manager, Operations Manager, Small Business Owner
Reasons buyers look elsewhere
No alternatives guidance available yet.
No alternatives guidance available yet.
No alternatives guidance available yet.
- Zoho Expense integrates well within the Zoho ecosystem and popular platforms, but businesses using specialized or legacy accounting software may prefer solutions with tailored integrations.
- While Zoho Expense offers automated receipt scanning and expense approval workflows, organizations seeking sophisticated fraud prevention may explore products with enhanced AI auditing capabilities.
- Companies with complex approval hierarchies or strict compliance standards may consider tools with more granular permission settings and advanced audit trails.
Software Demo
Demo |  Concur Expense has not given any software demo yet If you're the owner of this profile, add your demo.Contact us |
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How do Divvy, Concur Expense, RAMP Finance and Zoho Expense Compare on Features?
Total Features | 11 Features | 14 Features | 18 Features | 20 Features |
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Unique Features | No unique features | No unique features | No unique features | No unique features |
Get Quote | Get Quote |
Compare Divvy, Concur Expense, RAMP Finance and Zoho Expense on pricing
Review starting price, plan structure, and free-trial access side by side so you can see which option fits your budget and buying process.
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Other Details
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Get help choosing | Get help choosing |
Security & Compliance
Certifications, data handling, and security controls for IT and compliance evaluators.
SOC 2 | ✓ Yes | ✓ Yes |
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HIPAA | ✗ No | ✗ No |
GDPR | — | — |
Single Sign-On (SSO) | — | — |
Multi-Factor Auth (MFA) | — | — |
Data Encryption | ✓ Yes | ✓ Yes |
Audit Logs | — | — |
Data Residency | 🇺🇸 US | 🌐 Global |
Divvy vs Concur Expense vs RAMP Finance User Reviews & Rating Comparison
User Ratings | No reviews available for the product | |||
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Rating Distribution | No reviews available for this product | |||
Spotsaas Editor’s POV generated by AI | Buyer sentiment Buyer sentiment is positive across 621 reviews, with strong overall satisfaction. What buyers like
Common complaints
| Buyer sentiment Buyer sentiment is positive across 264 reviews, with strong overall satisfaction. What buyers like
Common complaints
| No expert review available for this product | Buyer sentiment Overall positive sentiment highlights ease of use, efficient receipt capture, and strong integration with Zoho Books, though some users desire more advanced features and integrations. What buyers like
Common complaints
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Pros and Cons |
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Positive Reviews | No reviews available for the product | No reviews available for the product | No reviews available for the product | No reviews available for the product |
| Negative Reviews | No reviews available for the product | No reviews available for the product | No reviews available for the product | No reviews available for the product |
List of Customers
Customers | No Customers information available. | No Customers information available. |  Shopify  EventBrite  Glossier |  Scouts  Zomato  Samsonite |
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Media and Screenshots
Screenshots |  2 Screenshots |  5 Screenshots |
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Videos |  3 Videos | No videos available. |
Alternatives
Alternatives |
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Related Blogs and Articles for Expense Management Software
Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].
Frequently asked questions
- Which is better, Divvy or Concur Expense?
- Divvy and Concur Expense are closely matched with equal user ratings of 4.1. The right choice depends on your team size, budget, and specific Expense Management Software needs.
- Do Divvy and Concur Expense offer a free trial?
- Concur Expense offers a free trial. Divvy does not.
- What is the starting price of Divvy vs Concur Expense?
- Divvy starts at Contact for pricing. Concur Expense starts at Contact for pricing.
- What are the top alternatives to Divvy?
- Top alternatives to Divvy include Xero, Zoho Books, Quickbooks, Freshbooks, ActivityHD.
- What are the top alternatives to Concur Expense?
- Top alternatives to Concur Expense include RAMP Finance, Zoho Expense, Brex, Spendesk, MobileXpense.