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Zoho Expense vs B4B Payments: Which Is The Better Company Expense Card?


Last Updated: 20 May 2025
Reviewed By: Ian Wright (Managing Director)

Zoho Expense and B4B Payments are two of the leading companies when it comes to expense cards for your UK business. But which one is better?

Below we look at how they compare. From reviews to costs to features we look at all the key things you want to know before making your decision.

Zoho Expense HomepageB4B Payments Homepage
 

Zoho Expense vs B4B Payments Reviews

Zoho ExpenseB4B Payments
Trustpilot Review Rating 4.41.7
Number of Trustpilot Reviews4462248
iPhone App Rating4.72.5
Number of iPhone App Reviews44322
Android App Rating4.62.3
Number of Android App Reviews12600117
Note these figures we’re taken from each company’s website and may have changed since publication

Zoho Expense vs B4B Payments Key Details

Zoho ExpenseB4B Payments
WebsiteClick Here to Visit Zoho Expense WebsiteClick Here to Visit B4B Payments Website
Card TypeNo Card ProvidedVISA/Mastercard
Offers Physical Cards?NoYes
Offers Virtual Cards?NoYes
Offers Prepaid Cards?NoYes
Cashback Plans?YesYes
Plans for Freelancers?YesYes
Plans for Small Business?YesYes
Plans For Medium Business?YesYes
Enterprise Plans?YesYes

Zoho Expense vs B4B Payments Cost

Zoho Expense PricingB4B Payments Pricing
Zoho ExpenseB4B Payments
Free Plan?YesNo
Free Trial?YesNo
Cheapest Plan Price Per Month£4.00Pricing Not On Website
Mid Plan Price Per Month£6.00Not Applicable
Top Plan Price Per Month£10.00Not Applicable
Prices were accurate at the time of publication but may have since changed. Please visit both websites to confirm pricing.

Zoho Expense vs B4B Payments Features

Zoho Expense FeaturesB4B Payments Features

Zoho Expense Features

STANDARD

  • Unlimited Users
  • 20 Receipt Autoscans per user
  • Corporate Card Reconcillation
  • Cash Advances
  • Multilevel Approval
  • Access Delegation
  • Basic Audit Trail Report
  • Email, call, and remote assistance

PREMIUM

  • Unlimited Users
  • 20 Receipt Autoscans per user
  • Corporate Card Reconcillation
  • Cash Advances
  • Multilevel Approval
  • Access Delegation
  • Basic Audit Trail Report
  • Email, call, and remote assistance
  • Receipt Autoscan
  • Travel Requests
  • Purchase Request
  • Advanced Approval
  • Per Diem Automation
  • Advanced Customization

ENTERPRISE

  • Unlimited Users
  • 20 Receipt Autoscans per user
  • Corporate Card Reconcillation
  • Cash Advances
  • Multilevel Approval
  • Access Delegation
  • Basic Audit Trail Report
  • Email, call, and remote assistance
  • Receipt Autoscan
  • Travel Requests
  • Purchase Request
  • Advanced Approval
  • Per Diem Automation
  • Advanced Customization
  • TMC/OTA Integration
  • ERP Integration
  • Single Sign On (SAML)
  • Dedicated Account Manager
  • Advanced Audit Trail Report

Zoho Expense Accounting Software Integrations

  • Quickbooks
  • Xero
  • Sage

B4B Payments Features

Standard

No Features Listed On Website

No Mid-Tier Plan

Not Applicable

Not Top Plan

Not Applicable

B4B Payments Accounting Software Integrations

  • Xero
  • Quickbooks
  • Sage

Zoho Expense vs B4B Payments Features Comparison

Zoho ExpenseB4B Payments
Apple Pay CompatibleNoYes
Google Pay CompatibleNoYes
Expense ClaimsYesYes
Expense ReimbursementsYesYes
APIYesYes
Access Controls/PermissionsYesYes
ReconciliationsYesYes
Approval Process ControlYesNo
Budget ControlYesYes
Expense CategorisationYesYes
Compliance ManagementYesYes
Customizable Fields YesNo
Fraud DetectionYesYes
Multi-Currency CardsYesYes
Mileage TrackingYesNo
Mobile Receipt UploadYesNo
Real Time Notifications & ReportingYesYes
Receipt ManagementYesYes
Spend ControlYesYes
Travel Management YesYes

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