Does Zest AI or Vic.ai have a free plan?

Zest AI is a paid tool. Vic.ai is a paid tool. Always verify current pricing directly with the vendor.

Zest AI vs Vic.ai

Q: Which is better, Zest AI or Vic.ai?

Both are strong options. Zest AI has a rating of 0.0/5 (0 reviews), while Vic.ai has a rating of 0.0/5 (0 reviews). The best choice depends on your specific use case, budget, and workflow requirements.

Q: Is Zest AI cheaper than Vic.ai?

Zest AI starts at free (enterprise model). Vic.ai starts at free (enterprise model). Use the Cost Calculator above for a detailed estimate.

Q: What are the main differences between Zest AI and Vic.ai?

Zest AI — "Accurately assess, confidently decision, perpetually optimize lending with AI.". Vic.ai — "Achieve autonomous finance with AI-first AP automation and insights.". Key differences include their pricing models, platform support, integrations, and technical capabilities. See the Feature Comparison table above for a complete side-by-side breakdown.

Q: Can I use Zest AI and Vic.ai together?

Yes, many teams use both tools together for different purposes. Use the Stack Builder section above to combine Zest AI and Vic.ai with other tools and save your AI toolkit.

Comprehensive side-by-side comparison — features, pricing, performance, and more.

Updated May 2026

Zest AI

Accurately assess, confidently decision, perpetually optimize lending with AI.

0.0(0)

ENTERPRISE

89% data quality

Vic.ai

Achieve autonomous finance with AI-first AP automation and insights.

0.0(0)

ENTERPRISE

88% data quality

Trust & Reliability

Zest AI

Users:<1K

Customers (per vendor):CCCU

Vic.ai

Uptime:99.9%

Users:

Overall Winner: Vic.ai

7.0/10 vs Zest AI at 5.7/10

Leads in:

Output Quality

Value for Money

Integrations

AI Comparison Summary

Zest AI

5.7

avg score

Vic.ai

7.0

avg score

Vic.ai leads overall — particularly in Ease of Use and Integration Power.

Based on 6 dimensions

How scores are calculated

Overall Winner

Vic.ai

7.0 / 10

Zest AI

Best For

Automating credit underwriting for financial institutions

Detecting application fraud in lending portfolios

Optimizing lending strategies with data-driven insights

Ensuring fair and compliant lending practices

Not Ideal For

Individual consumers seeking personal loans or credit scores

Small businesses without complex lending operations

Non-financial institutions or businesses outside of lending

Vic.ai

Best For

Automating accounts payable for large enterprises

Streamlining financial operations for CFOs and Controllers

Improving invoice processing speed and accuracy for AP Managers

Gaining real-time financial insights for strategic decision-making

Not Ideal For

Small businesses or startups with limited AP volume

Individuals seeking a free or low-cost personal finance tool

Companies without an existing ERP system or complex accounting needs

* Verdict is based on our algorithmic scoring of publicly available data. Learn about our methodology

Zest AI is best for

🎧Customer Support8.0📊Data & Analytics7.0

Vic.ai is best for

🤖Automation & Agents10.0🎵Audio & Voice10.0📊Data & Analytics8.0

Filter by your use case:

Pros & Cons

Zest AI

Pros

Increases auto-decisioning rates significantly (70-83%)
Reduces risk while maintaining or increasing approval rates
Improves fairness and expands access to credit for protected classes
Provides in-depth model explainability for compliance
Seamlessly integrates with existing lending processes and LOS platforms
Offers proactive portfolio insights and strategy adjustments

Cons

Primarily targets large financial institutions, not suitable for individual users
Requires significant integration and implementation effort for enterprise clients
Pricing is enterprise-level, likely custom and not transparently listed
Relies on data science expertise for optimal model management and compliance
No public self-service demo available, requires scheduling a call

Vic.ai

Pros

Achieves 99% invoice accuracy without manual setup or coding
Reduces invoice processing time by up to 5x
Offers a high no-touch rate (85% by month 6) for AP workflows
Seamlessly integrates with all major ERP and accounting systems via open API
Provides agentic AI partners (VicAgents™) for specialized finance workflows
Delivers real-time financial insights and fraud prevention

Cons

Pricing model is enterprise-focused, potentially less accessible for smaller businesses
Requires integration with existing ERP systems, which may involve initial setup effort
Specific details on data export formats beyond API are not explicitly listed
No explicit mention of a free trial for direct user testing

Weighted Score — Adjust What Matters to You

Pick a profile or drag sliders — scores and radar update instantly on the right.

Quick profiles:

Ease of Use5

Output Quality5

Value for Money5

Customizability5

Support & Ecosystem5

Integration Power5

Dimension Comparison

Zest AI

5.7

/ 10

Vic.ai

7.0

/ 10

Clear winner

Dimension Breakdown

Ease of Use

How easy it is to get started and use daily

Zest AI

4.0

Vic.ai

6.0▲ +2.0

Output Quality

Quality and accuracy of generated results

Zest AI

8.0

Vic.ai

9.0▲ +1.0

Value for Money

Cost vs. features and output quality

Zest AI

6.0

Vic.ai

7.0▲ +1.0

Customizability

Calculated

Ability to tailor to specific needs

Zest AI

5.0

Vic.ai

6.0▲ +1.0

Support & Ecosystem

Documentation, community, and support quality

Zest AI

7.0

Vic.ai

7.0

Integration Power

Calculated

Ability to connect with other tools and workflows

Zest AI

4.0

Vic.ai

7.0▲ +3.0

Calculated = derived from verified integration count and API/open-source signals. AI = LLM-assessed from public website content. Methodology

Task Performance

Zest AI

Task

Vic.ai

2.0

Transaction Processing

9.0

7.0

Financial Reporting

8.0

2.0

Expense Management

9.0

3.0

Tax Compliance

6.0

Budget Forecasting

7.0

2.0

Invoice Automation

10.0

3.0

Reconciliation

8.0

Audit Support

7.0

Cash Flow Analysis

8.0

9.0

Regulatory Compliance

7.0

* Task scores (1–10) are algorithmically generated from publicly available data.

Data is sourced from public information and vendor websites. It may not always be up-to-date — verify pricing and features directly with the vendor before purchasing.Report inaccuracy

Frequently Asked Questions

Which is better, Zest AI or Vic.ai?

Both are strong options. Zest AI has a rating of 0.0/5 (0 reviews), while Vic.ai has a rating of 0.0/5 (0 reviews). The best choice depends on your specific use case, budget, and workflow requirements.

Is Zest AI cheaper than Vic.ai?

Zest AI starts at free (enterprise model). Vic.ai starts at free (enterprise model). Use the Cost Calculator above for a detailed estimate.

What are the main differences between Zest AI and Vic.ai?

Zest AI — "Accurately assess, confidently decision, perpetually optimize lending with AI.". Vic.ai — "Achieve autonomous finance with AI-first AP automation and insights.". Key differences include their pricing models, platform support, integrations, and technical capabilities. See the Feature Comparison table above for a complete side-by-side breakdown.

Can I use Zest AI and Vic.ai together?

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