Which expense management app should a small business use?

Expense reports, receipt scanning and approvals from Zoho, priced in rupees. The page lists a Free plan for up to 3 users with 20 receipt scans a user a month, Standard at ₹79 a user a month billed annually (₹99 monthly, minimum 5 users) with 200 scans, and Premium at ₹149 (₹199 monthly).

Zoho Expense pricing (India)

From zoho.com by Zoho Pricing page

Zoho Expense on eChai Explore

• Free covers 3 users and 20 AI receipt scans each a month.
• Standard has a 5-user minimum, so it starts at about ₹395 a month on annual billing.
• Premium raises the AI scan limit to 1,000 receipts a user a month.

India-built HR and payroll used by small and mid-sized firms. The page lists Essential at ₹2,495 a month including 50 employees (₹45 per employee above that) and Growth at ₹4,495 a month (₹85 above 50), which adds attendance, shifts, overtime and geo-fencing, plus add-ons such as expenses at ₹35 a user a month and Recruit at ₹2,500 a recruiter a month.

greytHR pricing

From greythr.com by greytHR Pricing page

greytHR on eChai Explore

• Every plan includes complete payroll, leave management and employee self-service.
• Growth is the plan to pick if attendance and shifts should feed payroll directly.
• There is a 7-day free trial with no upfront cost.

An Indian travel and expense platform with prepaid corporate cards, built for enterprises with many employees spending on the road. Pricing is by demo, so it fits a company past the small-team stage.

Happay travel and expense management

From happay.com by Happay Product page

Happay on eChai Explore

• Combines expense reports, travel booking and prepaid cards.
• Priced through a demo rather than a public list.
• Overkill for a team of ten; look at it when field spend runs into many cards.

This explains the single biggest reason to register on day one: input tax credit lets you reclaim the GST you pay on your own spends (software, rent, contractors, cloud bills), so registration turns a cost into a recoverable one. It spells out the exact conditions to claim (valid invoice, goods/services received, invoice showing in your GSTR-2B, the 30 November deadline) so you set up clean billing from the start instead of losing credit to sloppy paperwork.

Input Tax Credit (ITC) under GST: Meaning, Conditions and How to Claim

From ClearTax by ClearTax Editorial Team 15 min read

• ITC offsets the GST you paid on business purchases against the GST you collect, directly lowering your tax outgo and improving cash flow.
• To claim, you need a valid tax invoice from a registered supplier and the invoice must appear in your auto-populated GSTR-2B, so vendor discipline matters.
• Miss the claim window (earlier of 30 November of the next financial year or your annual return) and the credit is gone, so track it monthly.

A US corporate card with expense management built in. The page lists a Free plan at $0 a user a month with the card, receipt capture and accounting sync, and Plus at $15 a user a month. Available to US businesses only.

Ramp pricing

From ramp.com by Ramp Pricing page

Ramp on eChai Explore

• The Free plan includes the corporate card and expense tracking.
• Plus adds AI expense reviews and travel at $15 a user a month.
• Requires a US business; Indian companies cannot sign up.

The receipt-scanning expense app many US businesses use. The page lists the Collect plan at $5 a member a month and says individuals can use New Expensify free with unlimited SmartScans.

Expensify pricing

From expensify.com by Expensify Pricing page

Expensify on eChai Explore

• Individuals scan unlimited receipts free.
• Teams start on Collect at $5 a member a month.
• Its card cashback applies to US purchases only.

Expense software that reads card feeds and receipts from the cards a business already has. The page lists Growth at $11.99 an active user a month billed annually with a 5-user minimum, and Business at $14.99 with a 10-user minimum.

Fyle pricing

From fylehq.com by Fyle Pricing page

Sage Expense Management on eChai Explore

• Works with your existing credit cards rather than issuing new ones.
• You pay only for active users who file an expense.
• The minimums mean at least 5 or 10 seats are billed.

An independent walkthrough of setting up Zoho Expense: policies, categories, scanning a receipt and approving a report, so a founder can see the whole loop before inviting the team.

Zoho Expense demo and getting started

On youtube.com by Business Solution 15 min

• Set expense categories and limits before anyone submits.
• Scan a receipt from the phone and it fills the amount and merchant.
• Route reports through an approver before reimbursement.