Zylo vs. Cledara: The "SaaS Scanner" vs. The "SaaS Operating System"

If your software costs are spiraling, you have likely narrowed your search for a solution down to two major players: Zylo and Cledara.

On the surface, they look similar. Both promise to tame "SaaS sprawl," reduce shadow IT, and save you money. But under the hood, they approach the problem from two completely different philosophies.

• Zylo is an IT Asset Management (ITAM) tool designed for the Enterprise. It excels at scanning your organization to find the mess that already exists.
• Cledara is a Financial Operations platform. It excels at structuring how software is bought and paid for, preventing the mess from happening in the first place.

This guide breaks down the critical differences to help you decide which operating model fits your company.

At a Glance: The Core Difference

1. Discovery vs. Control: The "Scanner" vs. The "Gatekeeper"

The fundamental difference lies in how each tool handles Shadow IT (software purchased without approval).

Zylo: The Scanner

Zylo acts as a powerful search engine for your company's past behavior. It connects to your expense systems (like Concur or Expensify) and your SSO (like Okta) to "scrape" data and tell you what your employees have already bought.

• Pros: Great for finding "skeletons in the closet" in massive organizations with thousands of employees.
• Cons: It is reactive. By the time Zylo sees the charge, the money has already left the building. You are constantly chasing employees to cancel tools they've already expensed.

Cledara: The Gatekeeper

Cledara sits in the flow of funds. Instead of letting employees put software on personal cards or a shared corporate Amex, you issue a unique virtual Cledara card for every subscription (e.g., one card for Zoom, one for Slack).

• Pros: You have total control. If a tool is unapproved, you can freeze the card instantly. Renewals don't happen by accident because the budget is capped at the card level.
• Cons: Requires a shift in process—you move software spend onto Cledara cards.

The Verdict: If you have 10,000 employees and just need a report on the chaos, choose Zylo. If you want to stop the bleeding and control the cash, choose Cledara.

2. The Payment Layer (Cledara’s "Killer Feature")

This is the starkest operational difference.

Zylo does not process payments. It is a dashboard. You still have to pay for your software using other bank accounts or corporate cards, then feed that data into Zylo. This means Zylo has a "read-only" relationship with your money.

Cledara is a payment platform. You pay for your software through Cledara. This unlocks capabilities Zylo cannot offer:

1. Instant Cancellation: Want to cancel a tool? Click a button in Cledara to kill the card. The vendor cannot charge you again. With Zylo, you have to email the vendor and hope they process it.
2. Budget Caps: You can set a card to only allow $500/month. If a vendor tries to charge $600 (a surprise price hike), the transaction fails. Zylo would only alert you after you paid the higher price.
3. Cashback: Cledara pays you 1% cashback on software spend (in the US, 1% for the first year in UK/EEA). Zylo costs you money; Cledara makes you money.

3. Pricing & ROI

Zylo follows the traditional Enterprise software sales model. Pricing is not public, requires a sales cycle, and typically involves a significant annual platform fee. The ROI comes from "found savings" (e.g., identifying duplicate tools), but it may take 6-12 months to realize these savings after a lengthy implementation.

Cledara offers transparent pricing and immediate ROI.

• Pricing: You can see plans on the website.
• ROI: The cashback model often covers the cost of the platform for the first year. If you spend $100k/year on software, you earn $1k back. Plus, the savings from blocking unwanted renewals are instantaneous.

Conclusion: Which is right for you?

Choose Zylo if:

• You are a large Enterprise (2,000+ employees).
• Your main problem is cleaning up a massive, existing mess of Shadow IT.
• You need deep, granular license harvesting for tools like Microsoft 365 or Salesforce.
• You are an IT leader looking for an Asset Management tool.

Choose Cledara if:

• You are a Startup, Scaleup, or Mid-Market company (50-1,000 employees).
• You want to control spending, not just report on it.
• You want the operational power to cancel subscriptions instantly and block overcharges.
• You want a tool that pays for itself via cashback.
• You are a Finance or Ops leader building a scalable "Finance Stack."

Stop chasing receipts and start controlling your spend.(https://www.cledara.com/book-a-demo) today.

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