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RatiVault vs Zoho Sign

Zoho Sign is built for budgets. RatiVault is built for banking.

Zoho Sign offers some of the lowest prices in e-signatures. For standard business documents, it's a sensible choice. But financial services demand vault-grade storage, forensic audit trails, and compliance frameworks that no budget tool — however well-priced — is designed to provide.

Two different approaches

RatiVault

Financial-grade signing with vaulted storage built for regulated institutions

Zoho Sign

The most affordable e-signature solution in the market

Feature-by-feature comparison

Feature
RatiVault
Zoho Sign
Vaulted storage
Immutable vault with retention policies
Standard cloud storage
Financial compliance
Built for FCA, PRA, MiFID II
Basic compliance features
Audit trail
Forensic-grade, full chain of custody
Basic activity log
Document integrity
SHA-256 hash verification
Standard sealing
White-labelling
Full white-label
Zoho branding present
Ecosystem dependency
None — standalone
Best within Zoho
Data residency
UK/EU data centres
Multiple regions

Pricing: RatiVault vs Zoho Sign

Zoho Sign pricing typically requires annual commitments and per-user fees. Here's what RatiVault offers instead.

Secure

£129 /per month

For advisory firms and small financial practices

  • 300 documents per month
  • Unlimited signers
  • Full audit trail with certificates
  • 7-year vaulted document storage

Enterprise

£349 /per month

For regulated firms with compliance obligations

  • Unlimited documents
  • Unlimited signers
  • Full audit trail with signed certificates
  • Configurable retention (1-10+ years)

Institutional

Custom

For banks, insurers, and large financial institutions

  • Everything in Enterprise
  • Dedicated tenancy
  • Custom data residency (UK, EU, multi-region)
  • Extended retention (10+ years)

See full pricing →

Why teams switch from Zoho Sign

Tamper-proof from upload to archive

SHA-256 hash at upload, before any signer touches the document. Immutable audit trail throughout. Any modification is cryptographically detectable. Not a feature flag — the architecture itself.

7-year vaulted storage, standard

Financial regulators expect years of retention. RatiVault stores documents and complete audit trails for 7 years by default, with immutable storage that prevents deletion or tampering during the retention period.

FCA-ready audit trail

Per-event logging: IP address, user agent, ISO 8601 timestamp, verbatim consent text, document hash. Exportable as signed audit certificates. Designed for the questions your FCA supervisor will ask.

Zero third-party exposure

The signing experience runs zero analytics, zero tracking pixels, zero third-party scripts. Your clients' financial data and signing behaviour is never shared with anyone. Full stop.

The bottom line

Zoho Sign wins on price. But when your regulator asks how you ensure document integrity, where signed documents are stored, and whether your audit trail is tamper-proof, price isn't the answer they're looking for. RatiVault is.

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