Pluto Card vs Zoho Expense
Pluto Card
getpluto.com
Zoho Expense
zoho.comSide by side
| Figure | Pluto Card | Zoho Expense |
|---|---|---|
| Price from | Free | $4/mo |
| Free plan | Yes | Yes |
| Free trial | — | Yes |
| Open source | — | — |
| Web | Yes | Yes |
| macOS | — | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | — | Yes |
| Plans published | 1 | 4 |
| Spec score · Expense Management | 7.4 (#16) | 8.6 (#7) |
| Accounting integrations | The integrations page lists NetSuite, Wafeq, Xero, Tally, Zoho, Microsoft Dynamics, QuickBooks, Oracle Fusion, Oracle JD Edwards, Epicor, SAP, Odoo and Infor. | Official integrations include Zoho Books, QuickBooks Online and Desktop, Xero, Sage Accounting, SAP, Oracle, Microsoft Dynamics and NetSuite. |
| Headquarters | Dubai, United Arab Emirates; also listed with headquarters in Canada and the United States | Chennai, India |
| Intended users | Pluto says it serves businesses from small businesses to large groups and describes use cases for retail, food and beverage, professional services, and startups and technology companies. | The pricing page describes Free as for small businesses, Standard for growing businesses, Premium for enterprises, and Custom for large-scale enterprises operating worldwide. |
| Support | Pluto’s About page states that its team resolves most support requests in an average of 15 minutes. | The pricing page lists email support for Free, email and call support for Standard, and around-the-clock priority global support for Custom. |
Plans
Zoho Expense
- FreeFree
- Standard$4 a month
- Premium$6 a month
- CustomPriced on request
In their own words
Pluto Card
Pluto Card combines corporate cards, expense management, petty cash, procurement, invoice management, and accounting automation in one platform. Employees can submit receipts through WhatsApp, SMS, or email for AI processing, while the platform monitors spending against policies and budgets. Its prepaid Mastercard corporate cards offer real-time spending limits and budgets, with up to 2% cashback on business expenses. Procurement tools include configurable approval routing, vendor contract tracking, and two-way and three-way GRN matching. Pluto says its AI OCR can process hundreds of invoices within minutes and flag duplicates. Listed accounting integrations include NetSuite, Wafeq, Xero, Tally, Zoho, Microsoft Dynamics, QuickBooks, Oracle Fusion, Oracle JD Edwards, Epicor, SAP, Odoo, and Infor. HR and sign-in options include Workday, Deel, BambooHR, Okta, Microsoft Entra ID, Google SSO, and Ping Identity. Pluto lists Android, iOS, and web platforms. Its free plan has no monthly subscription and covers up to 10 users. The product is presented for businesses from small companies to large groups, including retail, food and beverage, professional services, and technology startups.
Zoho Expense
Zoho Expense is travel and expense management software for capturing expenses, organizing reports, routing approvals, and managing spend. It is available on Android, iOS, and the web, with an API also listed. Receipt capture uses AI-powered OCR, and Standard supports itemized receipt capture in 38+ languages. That plan also includes corporate card management and real-time Visa and Mastercard feeds. Premium adds employee self-booking, global hotel and flight inventory, guest booking, and a built-in travel desk tool.
Listed integrations include QuickBooks, Sage, Xero, Oracle, SAP, Zoho Books, Zoho CRM, Slack, and Microsoft Teams. Zoho says customer data is encrypted at rest and in transit and logically separated; its listed compliance standards include ISO 27001, ISO 27017, ISO 27018, SOC 2 Type II, and GDPR. The Free plan is free for up to three users, with 20 receipt scans per user each month. Standard starts at $3 per user/month billed annually and has a 200-scan monthly limit per user; Premium starts at $5 per user/month billed annually and has a 1,000-scan limit. A 14-day free trial does not require credit card information.