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Payroll · head to head

Volopay vs Zip

Volopay logo

Volopay

Payroll

Corporate cards, multi-currency accounts and accounts payable automation for Asia-Pacific businesses

From
On request
Rated
-
Full reviewWebsite
Zip logo

Zip

ERP

Procurement intake and orchestration that sits on top of the systems you already run

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Volopay cross-currency spend within Singapore carries a fee around 3.1%, which is easy to overlook against the advertised free domestic transfers and can dominate total cost for internationally mobile teams.; Zip it is a layer on top of systems you already pay for, so the business case rests on adoption and cycle time rather than replacing a licence, and that is harder to defend to a finance director cutting software spend.
  • They diverge on capability: Volopay covers Multi-currency business accounts, Zip covers Unified intake.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Volopay and Zip actually diverge.

Attributes where Volopay and Zip differ
AttributeVolopayZip
PlatformsWeb, iOS, AndroidWeb, iOS
CategoryPayrollERP

Identical on both: starting price (On request), pricing model (quote), free tier (No), user rating (Not yet rated).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Volopay

  • Multi-currency business accounts
  • Virtual and physical corporate cards
  • Accounts payable automation
  • Expense management
  • Accounting integrations
  • Approval workflows

Only in Zip

  • Unified intake
  • Approval orchestration
  • Vendor onboarding
  • Contract repository
  • ERP write-back
  • Renewal management
  • Spend visibility
  • AI request handling

What people use each for

The jobs each tool is most often brought in to do.

Volopay

  • A Singapore-headquartered company paying vendors and staff across several APAC currencies from one accountnot Zip
  • A finance team wanting free domestic transfers with accounts payable automation includednot Zip
  • A regional business consolidating separate local business bank accounts into one multi-currency platformnot Zip
  • A company whose card spend is concentrated in SGD and wants to minimise cross-currency fee exposurenot Zip

Zip

  • A company that owns a source-to-pay suite nobody uses because employees cannot navigate itnot Volopay
  • An organisation where every software purchase needs security, legal, privacy and finance sign-off and currently does it in email threadsnot Volopay
  • A finance team that keeps discovering contracts that auto-renewed because nobody owned the renewal datenot Volopay
  • A business needing an auditable record of who approved a third-party engagement and on what evidencenot Volopay

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Volopay

  • Cross-currency spend within Singapore carries a fee around 3.1%, which is easy to overlook against the advertised free domestic transfers and can dominate total cost for internationally mobile teams.
  • Cross-border payments in non-SGD currencies add roughly 1.6%, so a company paying many overseas vendors accumulates a real cost that is not visible on the headline pricing.
  • Regional focus on Asia-Pacific means weaker fit for companies whose spend is mainly in Europe or North America, where Payhawk or Extend cover the ground better.
  • Pricing is not published, so despite the specific fee percentages that are publicly known, the underlying subscription or platform fee must be obtained by quote.
  • As a comparatively young fintech, its card issuing depends on banking partners whose regulatory standing in each APAC market can change, and companies should confirm current licensing in their specific country before committing.

Zip

  • It is a layer on top of systems you already pay for, so the business case rests on adoption and cycle time rather than replacing a licence, and that is harder to defend to a finance director cutting software spend.
  • Value depends entirely on integration depth into your specific ERP and ticketing tools, and a shallow connector reduces it to a workflow tool that someone rekeys out of.
  • Pricing is not published and is structured around company size and integration scope, so buyers cannot benchmark without peer references.
  • If procurement policy itself is unclear, Zip encodes the confusion: the tool routes requests according to rules someone must first write, and organisations without that clarity see slow implementations.
  • It does not do sourcing, auctions or spend analysis, so organisations expecting a full procurement capability will still need a suite or specialist tools alongside it.

Pricing, plan by plan

Volopay

On request
  • Volopay$undefined/month
    • Free domestic SGD transfers and Accounts Payable Automation
    • Approximately 1.6% fee on cross-border non-SGD payments
    • Approximately 3.1% fee on cross-currency spend within Singapore

Zip

On request
  • Zip$undefined/year
    • Intake and approval orchestration
    • Vendor onboarding and diligence workflows
    • Integrations with ERP, contract and ticketing systems

Which should you pick?

Choose Volopay if

  • You need multi-currency business accounts.
  • You work on Web, iOS, Android.
  • You also want virtual and physical corporate cards.
Volopay review

Choose Zip if

  • You need unified intake.
  • You work on Web, iOS.
  • You also want approval orchestration.
Zip review

Questions people ask

Is Volopay or Zip better?
Neither clearly leads. Volopay starts at On request and Zip at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Volopay or Zip?
Volopay starts at On request and Zip at On request.
Does Volopay or Zip run on more platforms?
Volopay runs on Web, iOS, Android. Zip runs on Web, iOS.
What is Volopay best used for?
Volopay is most often used for a singapore-headquartered company paying vendors and staff across several apac currencies from one account, a finance team wanting free domestic transfers with accounts payable automation included, a regional business consolidating separate local business bank accounts into one multi-currency platform, a company whose card spend is concentrated in sgd and wants to minimise cross-currency fee exposure. Of those, a singapore-headquartered company paying vendors and staff across several apac currencies from one account and a finance team wanting free domestic transfers with accounts payable automation included are not what Zip is typically brought in for.
What can Volopay do that Zip cannot?
Volopay covers Multi-currency business accounts, Virtual and physical corporate cards, Accounts payable automation, Expense management. Zip covers Unified intake, Approval orchestration, Vendor onboarding, Contract repository.

Answered from the vendors’ own pages

Volopay: What currency is Volopay built around?

Singapore dollar as the base account currency, with support for spend and transfers across several other Asia-Pacific currencies.

Zip: Is this the buy now pay later company?

No. This is Zip at ziphq.com, a procurement orchestration platform, unrelated to the payments company of the same name.

Volopay: Are transfers free?

Domestic SGD transfers and the Accounts Payable Automation product are advertised as free; cross-border and cross-currency transactions carry separate fees.

Zip: Does it replace Coupa or Ariba?

No, and that is the point. It sits in front of them, providing the intake and approval experience employees actually use, and writes back into the suite.

Volopay: Is pricing published?

No, subscription pricing requires a quote, though the specific cross-currency fee percentages are disclosed publicly.

Zip: What does it cost?

Not published. Quoted by company size, modules and the integrations you need. Get peer benchmarks before negotiating.

Zip: What is the prerequisite for success?

A written procurement policy. Zip automates the routing rules you give it; if nobody can say who approves what, implementation stalls.

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