# Compare Zoho Books vs Payoneer 2026 | Capterra > Unsure of what to choose? Check Capterra to compare Zoho Books and Payoneer based on pricing, features, product details, and verified reviews. Source: https://www.capterra.com/compare/163115-187086/Zoho-Books-vs-Payoneer --- # Zoho Books vs Payoneer Features and Cost Comparison Last updated March 13th, 2026 Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team.[Learn more](https://www.capterra.com/our-story/) Your comparison: Zoho BooksPayoneer2/4 selected [Zoho Books](https://www.capterra.com/p/163115/Zoho-Books/)[4.4 (672)](https://www.capterra.com/p/163115/Zoho-Books/reviews/) [Payoneer](https://www.capterra.com/p/187086/Payoneer/)[4.2 (762)](https://www.capterra.com/p/187086/Payoneer/reviews/) [## Zoho Books](https://www.capterra.com/p/163115/Zoho-Books/)[4.4 (672)](https://www.capterra.com/p/163115/Zoho-Books/reviews/) Starting Price $20.00/month Value-for-Money 4.4 Functionality 4.3 Ease of Use 4.4 Customer Service 4.2 Reviews Sentiment Based on [672 reviews](#user-reviews) Positive 600 Neutral 45 Negative 27 [## Payoneer](https://www.capterra.com/p/187086/Payoneer/)[4.2 (762)](https://www.capterra.com/p/187086/Payoneer/reviews/) Starting Price Contact vendor Value-for-Money 4 Functionality 4.2 Ease of Use 4.2 Customer Service 3.8 Reviews Sentiment Based on [762 reviews](#user-reviews) Positive 638 Neutral 35 Negative 89 ## Send this comparison chart to my inbox ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox. What’s your intended use case? ## Summary * * * Key features rated by users Features selected based on 23,179 reviews from payment processing software users. about the Fit Score methodology. Fit Score methodology Our Fit Score reflects how reviewers rate a product’s performance against a set of features reviewers rate as most important. A higher score indicates the product is rated better in delivering what reviewers most care about. If the Fit Score is not shown for a specific product, that only means there are currently not enough relevant data points to develop a meaningful score. It does not indicate that the product should be excluded from further evaluation. Best for Methodology 62%Fit Missing features Feature ratings Data Security 4.7 Online Payments 4.0 Payment Fraud Prevention NA Debit/Credit Card Processing NA Expense Tracking 4.4 \--%Fit Missing features Feature ratings Data Security 4.4 Online Payments 3.7 Payment Fraud Prevention NA Debit/Credit Card Processing NA Expense Tracking NA User satisfaction User satisfaction 4.4 User reviews[672](https://www.capterra.com/p/163115/Zoho-Books/reviews/) Ease of use 4.4 Functionality 4.3 Value for money 4.4 Customer support 4.2 User satisfaction 4.2 User reviews[762](https://www.capterra.com/p/187086/Payoneer/reviews/) Ease of use 4.2 Functionality 4.2 Value for money 4.0 Customer support 3.8 Price starts from Price starts from $20Other, Per Month - Free version - Free trial Price starts from \-- - Free version - Free trial Best for Best for Zoho Books caters to businesses of all sizes across multiple industries, such as legal, real estate, retail, wholesale, education, maritime, financial services, healthcare, manufacturing and more. Best for Not provided by vendor ## User reviews Pros & cons VR Verified Reviewer Growth Head - Sales > "It’s also one of the most widely used products out there and has really played a big role in transforming how businesses manage..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___7122967) LT Luke T. Director and Tutor > "Another small problem is that it doesn't import your bank transactions until the day after the transaction has taken place,..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6829781) VR Verified Reviewer Gen Secretary > "Havent experienced any bug, there was one concern which was fixed immediately. and i'd recommend it for both small business as..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___7058032) DS David S. Customer Service Representative > "The mobile app isn’t as functional as the desktop version, and while the reporting options are good, they could be better..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6692753) VR Verified Reviewer Gen Secretary > "Data management is so good, i am uploading all the invoices too in the application." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___7058032) GK Girish K. Owber > "No desire to even show how a feature works." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#SoftwareAdvice___7076078) Raj Shekhar S. Cofounder > "Their has been no product failures or issues, and new features are regularly rolled out too." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___7066801) GK Girish K. Owber > "Zoho support has no solution for this." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#SoftwareAdvice___7076078) BB Ben B. CEO > "Free plan for businesses under $50K in revenue is good and we use it with Zoho Expense and it works seamlessly." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6734256) SG Sally G. Customer Service Auditor > "Some features don't work if you are not in the US." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6861693) BB Ben B. CEO > "Favorite feature: automated invoicing and payment tracking." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6734256) DR Darren R. Director > "The only one annoyance is the search from some screens you need to know the exact customer name or item name to search. Where as..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___5072227) Alfredo J. Consultant > "I was able to easily migrate after a bad experience with quickbooks and from there been able to slightly customize it for my needs." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6501659) AV Alisodai V. Proprietor > "They were unable to give any solution for my problem even after 7 months time." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___7020672) ME Mohamed E. manager > "The best thing that has happened to me is the ease with which I can now complete all accounting activities with Zoho Books." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6423440) HD Haythum D. IT Engineer > "in Zoho Books can't customize more advanced financial reportsZoho Books is more costly compared to other accounting software..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4946352) VR Verified Reviewer COO > "I love the waste option of opportunities to adapt things like templates to automate as much as possible and safe time." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6648480) ME Mohamed E. manager > "Data migration is quite difficult for businesses with a lot of data." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6423440) ME Mohamed E. manager > "One of the easiest interfaces for creating estimates and invoices is Zoho Books." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6423440) MG Michael G. President > "does not integrate easily with Microsoft Office suite" [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6559335) Dedre M. Owner > "Due to the fact that you can manager all financially transactions within your dashboard, including invoicing and billing, makes..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4808090) DS DAMON S. Director > "Uncleared notifications on the app that I just can’t seem to clear" [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6466142) ME Mohamed E. manager > "The main benefit is that it offers a range of plans at reasonable prices to accommodate diverse business needs." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6423440) PB Phillip B. President > "For example, if you accidently add a wrong item you will have to cancel it out on the books with another entry." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6178338) NL Nzai L. project officer sanitation and hygiene > "i like the ability of the software to manage clients online through clients patrol and making recuring invoices payments , its..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4962668) MA Monica A. program manager > "the application is very hard to master mostly on how to handle recurring payments within your organization" [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4983997) DS David S. Customer Service Representative > "It also offers great GST compliance features which are a big advantage for my business." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6692753) AM Alicia M. Accountant > "For example, in the UK a sales balance of -£100 means that the customer owes £100 pounds and has to pay." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6028821) DR Darren R. Director > "We love Zoho ability to access from anywhere and allows a business owner to monitor things even when they are not on site." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___5072227) SK Stephen K. insurance manager > "it limits vendors list and once reached you have to pay additional amount first and its very difficult to learn basically how to..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4655805) Alfredo J. Consultant > "I enjoy how it integrates with their expense tracker and with PayPal." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6501659) SY Surjesh Y. Software Engineer > "Some users might discover that the software is not as customised as they would want. Although it has a variety of functions, there..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4628961) BB Ben B. CEO > "Mobile app is a plus, gives real-time access to financials." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6734256) RE Rajesh E. DIRECTOR > "expense print layout is against the income tax rules.. if any invoice is having more than 200 products the invoice will not..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#SoftwareAdvice___3567105) Juan B. CEO > "I am able to set up recurring billing for my clients, which has saved me a lot of time and helped me maintain a steady stream of..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4903814) SD Sharif D. Inventory analyst > "the software is expensive in case you are purchasing it once" [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4980610) VR Verified Reviewer COO > "Zoho Books combines quoting, invoicing in a very efficient way." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6648480) HN Hilda N. Youth research advisor > "The application is mostly very slow when updating it and in the process you may lose your data and in the due course costimg you a..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4707361) AT Amy T. CFO > "Customization for our specific business was a huge game changer, as we didn't need to get outside help involved to make simple..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4982810) IL Immaculate L. Finance Director > "The bank connection doesn't always work nicely, sometimes it delay to update and end up sending incorrect statements to customers." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4604401) JK Jeethendra K. Founder & CEO > "The ease of using the zoho books across all the device since the data is stored in server rather than tally in which the data is..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#GetApp___5019964) Jared L. Business Development > "No need to wait for another person to send an invoice and possibly lose the customer to dead time from 'Yes' to the ability to pay" [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___3859870) CS Connor S. Brokerage Operations Associate > "The invoices module in Zoho Books and very well laid out and easy to use for people who are new to these kinds of platforms." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6537888) WO William O. Manager > "So I am just going to find something else can consider all the work I have done in my account as a loss...." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#SoftwareAdvice___5078207) SG Sally G. Customer Service Auditor > "The interface is clean and clear." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6861693) MS Melissa S. CSR > "Gets very expensive to activate advanced features" [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6002964) LL Lydia L. Blow Mold Operator > "It uses automations which allows us to eliminate the manual entry work and reduce the dependency on the repetitive tasks." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6006953) Kirti V. developer > "However, some users have reported issues with customer support and limited customization options." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4631918) JW Joel W. Program Manager > "I like the way the software allows us to reconcile various transaction hence eliminating errors in reporting." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6167413) Shyamal P. Founder > "They forced us to buy 12 months subscription saying migration won't be done unless we pay2." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4611027) WT Winnie T. Manager > "I've been able to manage the accountabilities while at my home by using this software to manage the accountabilities and project..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___5012216) JV James V. Assistant Management Accountant > "Team collaboration related features of Zoho Books are not quite sufficient for our requirements." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4070417) VR Verified Reviewer Growth Head - Sales > "Customer service is also very prompt and helpful team." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___7122967) Becky F. Software Developer > "This is the trickiest part because I can't really think of anything I dislike; however, I do have some comment on the quality of..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4669391) Dedre M. Owner > "Zoho Books is helping our small business with financial reporting and keeping track of our income and expenses." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4808090) VR Verified Reviewer Software developer > "Limited customer support users can only access support via email or live chat,- limited user permissions" [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4640276) WT Winnie T. Manager > "I use it for project planning and accounting While sitting in my dining room therefore it eased work for me" [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___5012216) Kirti V. developer > "Zoho Books offers limited support options, which may be frustrating for users who require immediate assistance." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4631918) VV Vikas V. Software Consultant > "Reports are a great way to break things down for more clarifity." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6685125) VR Verified Reviewer Land Surveyor > "There are also expenses that I incur on my own as an employee of the company that need to be assigned to me alone still using my..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#GetApp___3433842) KI Kalume I. Senior IT technician > "The software integrates with Zoho invoice which makes work of creating invoice easy and massive. " [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___5003016) DP Darshan P. Administrator > "It has more user restrictions and payroll service is not available." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4775876) Juan B. CEO > "I was able to easily and quickly track my income and expenses and generate financial reports in seconds." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4903814) BH Ben H. Manager > "Very little hand holding or clues for the average business user that doesn't have an accounting degree." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4622616) AT Amy T. CFO > "It is great for companies with project management, from estimate to sales order to purchase orders and Invoicing." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4982810) SV Shanmugam V. Article Trainee > "The data migration from our old software to Zoho was a bit difficult." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4601740) BB Ben B. CEO > "Cloud-based with a solid mobile app so good for being on the go." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6734256) FF Frank F. President > "When there is an update with the a financial institution Zoho Books takes forever to make that update causing issues with keeping..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___3503773) VK Vinit K. Backend developer > "The ability of Zoho Books to handle accounting chores like billing, expenditure tracking, and bank reconciliations is one of its..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4623050) TM Theresa M. CEO > "They forgot to tell you to click on Settings first, and THEN select Preferences." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4793501) GK Gatuko K. Accounting Manager > "It handles accounts payable and comes with lots of data security features" [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6174493) BC Briana C. Accounts Payable Manager > "Now that things are web-based when the wi-fi goes out I can't use the software." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4344049) HN Hilda N. Youth research advisor > "With Zoho book I have been able to manage customers and suppliers interaction using client protal and by sitting up payments..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4707361) Shyamal P. Founder > "This migration tool fails for unknown reasosns." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4611027) JU Judith U. Procurement officer > "It is great for small businesses and easy to use." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6824666) MK Milena K. Bookkeeper > "Limitation of the functions and the customer service wasn't as expected." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4789839) SA Sayed A. Project Engineer > "It has automation capabilities, such as automatic bank feeds and recurring invoices, have been praised for saving time and..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4741271) Andre V. Director > "They do not fix old issues unless they are critical to the functioning of the software." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___3718664) TA Tarek A. Customer Service Specialist > "I get tasks related to real-time management, such as interval billing and invoicing, so ZohoBooks' features are practical for this..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4602422) KF Kadeem F. IT Consultant > "Invoice customisation is really lacking." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4780181) [View Reviews](https://www.capterra.com/p/163115/Zoho-Books/reviews/) Vivek K. Founder > "Users can transfer funds between Payoneer accounts quickly and securely, enabling efficient financial management across different currencies and..." [See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6319766) AS Anabelle S. Owner > "This has occurred more than 10 times. Because of these repeated delays and lack of follow-through, I have been unable to access my own funds,..." [See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___7058395) Vivek K. Founder > "Payoneer allows users to withdraw funds to their local bank accounts or prepaid Mastercard, providing flexibility and convenience." [See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6319766) JS Jocelyn S. Veterinary Nurse and Client Care Representative > "I did end up cancelling my account afterwards as I didn't feel it offered me anything different to what PayPal might offer; however this thought..." [See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___7085044) Portia A. Nurse > "I like how easy it is to receive payments from different platforms and in different currencies." [See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___7141363) Dwight M. Cloud Solution Architect Manager > "What I don't like about payoneer is that you can only accept payments from Payoneer partner companies and other user accounts that already have..." [See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6485272) Armando R. Project Manager > "This has been a very reliant software that has provided me a safe and easy way to withdraw money as a freelance contractor." [See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6866560) Portia A. Nurse > "The fees can sometimes feel a bit high, especially when converting currencies or withdrawing to a local bank account." [See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___7141363) Elena D. Global Marketing Manager > "Payoneer is a virtual online platform that allows quick transactions between different units." [See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6761588) Dwight M. Cloud Solution Architect Manager > "I have used Payoneer for over 10 years and they have features that other payment processors don't have but I feel they have missed the opportunity..." [See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6485272) Armando R. Project Manager > "Their customer support could benefit from spanish speaking providers since i live in LatAm." [See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6866560) DR David R. Dive Operation Manager > "Seasonal workers are impacted by verification processes, and ticket resolution is delayed as bugs intervene in transaction status." [See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6881504) JE Jackie E. Director of Risk Management > "Payoneer offers almost all the features available in PayPal." [See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6870050) Григорий Р. chief > "thats a very rigid illogical system that judges and blocks indefinetely without any real discretion whatsoever, i find it mean and incompetent" [See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___7053238) MQ Michelle Q. Medical Records Analyst > "With the hardwork you have put on everyday, payoneer makes it so much easier for you to get the money you worked hard for." [See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6323214) Antonino P. Freelance translator > "What should be a straightforward technical fix has turned into months of frustration, endless back-and-forth emails, and absolutely no resolution." [See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___7053944) Dionne Joy M. CEO > "Payoneer is excellent and trusted global payment platform." [See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___7068631) JC Jacqueline C. Brand Designer > "The fees are quite high, eating into your profits bottom line once you get into anything over $100, which is all our transactions. When we had an..." [See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6649688) JT Jessica T. MD > "It appears easy to use. If working with a reputable party it’s as easy to use as WISE." [See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___7050882) VR Verified Reviewer It manager > "The fees can be a bit high sometimes, especially for currency conversion." [See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___7127445) Phyllis Wanjiku G. Data Scientist > "It is also easy to create an account and link to my local bank account if you live in countries other than the US." [See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6329913) VR Verified Reviewer It manager > "Also, customer support can be slow to respond when there’s an issue." [See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___7127445) Niel Winston T. Scale AI annotators > "I like transfering payoneer to another account it has no charges im very very very satisfied and happy using payoneer" [See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6334355) JK Jeff K. Controller > "They lock up your money for weeks at a time with no real explanation." [See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___7117100) Dionne Joy M. CEO > "Payment was received quickly." [See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___7068631) Vadim D. Assistant > "Payoneer provides inaccurate information on its website, misleading users and it is the user who pays for these mistakes." [See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6635140) JK Jeff K. Controller > "The only positive about them is they have a decent Website." [See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___7117100) VR Verified Reviewer CTO > "Also, you are often forced to change your password, but since your account is blocked while changing the password, you have to solve this through..." [See full review](https://www.capterra.com/p/187086/Payoneer/#GetApp___6361372) VR Verified Reviewer It manager > "My overall experience with Payoneer has been mostly smooth and reliable." [See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___7127445) YM Yana M. CG Artist > "They blocked my account and funds under the guise of an “internal check”." [See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6833445) AZ Ahmed Z. Online Gaming Account Merchant > "Customer service for Payoneer is excellent, every customer service agent will offer his best to try and help you out." [See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6720056) JT Jessica T. MD > "They will not offer assistance with claim backs." [See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___7050882) DA David A. Supervisor > "What I like must service and the security, Payoneer is so secure and the service is good and amazing" [See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6318297) VR Verified Reviewer CTO > "The security system is paranoid, they force you to provide a bunch of documents (more than in a regular bank)." [See full review](https://www.capterra.com/p/187086/Payoneer/#GetApp___6361372) GCS Gil C S. President > "The fees were an issue, but for international payments it worked very well" [See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6691532) JM Jerry M. Sales Representative > "Very Very Bad; have a lot of regrets of Payonner taking over Paypal. If only i had know about their exorbitant fees, I would not have set up an..." [See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6885653) Souleymane D. Training assistant > "Payoneer also integrates with third-party platforms such as Upwork, Airbnb, Amazon, and more." [See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___4980383) MJ Milomir J. Customer Support Representative > "Creating an account was easy but getting a card was very complicated, especially since they asked me to receive my first payment before I could..." [See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6608357) TA Tamer A. Art director > "What I like is that it is free, easy to open an account, and also has multiple currencies." [See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6513830) Antonino P. Freelance translator > "Payoneer's customer support is absolutely incompetent." [See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___7053944) EO Elvis O. Audit Associate > "The platform is easy to use, the transfers are reliable, and the customer support is helpful" [See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6644260) LA Lukman A. Manager > "They also have some weird policies which makes the customer support clueless on the cause of a problem and possible solutions." [See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6810348) ACF Ana Clara F. Administrative director > "The website/app interface is uncomplicated and intuitive, making it easy for a layman like me to use. And payments have a small fee, which makes..." [See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6225183) LB Linda B. Contractor > "They steal your money and then subject you to AI genersted processes & conversations thst just keep looping around & around" [See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6676562) Souleymane D. Training assistant > "Payoneer is at your disposal for your international online payments, secure transactions, and more." [See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___4980383) Elena D. Global Marketing Manager > "the verification process for setting up a Payoneer account is cumbersome or time-consuming." [See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6761588) SB Sujata B. Influencer > "I also like the fact that we can see how much will our money amount to in our own local currency and from there we can plan further." [See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___4916914) YM Yana M. CG Artist > "So, under the guise of an “internal review” that will last forever, they will simply steal your money, as it happened to me" [See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6833445) Vivek K. Founder > "Responsive customer support and extensive knowledge base" [See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6319766) VR Verified Reviewer Web Developer > "Concerned about the safety of my funds, I reached out to Payoneer's client support for information on the return process. Despite my expectations..." [See full review](https://www.capterra.com/p/187086/Payoneer/#GetApp___6094683) Md R. Graphics Designe > "I'm working on Fiverr and Upwork as a freelancer and I use Payoneer for withdraw money. And I'm happy for Payoneer service." [See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___4835888) AD Aamir D. CEO > "My payments are on hold and account is appearing as inactive in Walmart Canada." [See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6754409) GCS Gil C S. President > "Simple to use and with international reach that makes working with non-U.S. companies quite easy" [See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6691532) JK Jeff K. Controller > "They do not care about their customers. " [See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___7117100) AJ Alan J. Analista de Sistemas > "I have little to complain about this amazing international transaction app." [See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6763718) Rajna S. Architect > "They practically force people and expose them to more stress by not doing anything to resolve money theft, the process of reversing unauthorized..." [See full review](https://www.capterra.com/p/187086/Payoneer/#GetApp___6129035) JT Jamuna T. CMO > "Payoneer is a payment processor that will allow us to receive, hold and send money globally. And best of all, they offer local bank deposits..." [See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___3615945) New melchizedec S. Director > "Also they wanted the customers to create a payoneer account to pay, instead of just a credit card to pay. And make it really difficult to cancel..." [See full review](https://www.capterra.com/p/187086/Payoneer/#GetApp___6190928) GT Ganga T. Owner > "With Payoneer, we can access our money directly in local currency, make payments, and get paid in more than 200 countries and territories." [See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___3644143) LA Lukman A. Manager > "They have some weird policies and the customer service seems unprofessional and ineffective." [See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6810348) Rodrigue N. Project Manager > "Payoneer allows its users to obtain accounts in foreign banks with a reliable and secure address. Besides being able to make international..." [See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___4469552) LB Lindsay B. Social Media Manager > "The support is absent." [See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___7082870) AS Adeel S. Software Developer > "The biggest plus being their global reach." [See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6599651) Suzette V. Educator > "The payment withdrawal limit has a negative impact on staff as they can only access their money once they have made enough to reach the payoneer..." [See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6036981) TP Teju P. Chief Marketing Officer > "Payoneer allows us to receive funds from all over the world and also allows us to easily withdraw to our local bank account in nepal." [See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___3569982) JM Jerry M. Sales Representative > "I would like to warn others of this super high charge by this company." [See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6885653) FG Fikru G. Project Manager > "It is perhaps the best payment platform I have utilized as it permits a simple account opening, enables linking different bank accounts to it,..." [See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___4699213) Patricia M. Content Creator > "Not very flexible" [See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___7069326) SK Sagar K. CMO > "It helps us to accept payment from different freelance platforms and allows us to transfer to our local bank account with a very low transaction..." [See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___3945125) Vadim D. Assistant > "Contacted Payoneer support to ask why the company's policy on the website misleads users." [See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6635140) GF Guadalupe F. Legal Assistant > "It has different currencies to use and is easy to understand." [See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6560955) SG Stav G. Owner > "They will not issue a refund or guarantee that these transactions will not recur." [See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6660559) JS JOCILENE S. Administrador > "Great rates, fast transfers and conversions, payment enters the account well before the deadline." [See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6147967) Ben L. . > "I only got to experience their customer support and that is terrible." [See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6866297) YD Youcef D. Marketer > "I like it's ease to use and it's importance for marketers like me who work with people from all regions in the world as it removes the payment..." [See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6036483) JH Julian H. Website Design Freelancer > "Don't pay the registration fee!I opened an account to be able to get funds from Europe. But when trying to add a payer, the system would not allow..." [See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___5096267) TP Teju P. Chief Marketing Officer > "In that situation, Payoneer gives us the solution to accept payment from our clients and helps us to globalize our eCommerce business." [See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___3569982) JH Julian H. Website Design Freelancer > "I opened an account to be able to get funds from Europe. But when trying to add a payer, the system would not allow me stating that it did not..." [See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___5096267) LG Luicianna G. assistant > "Very intuitive and with good fees" [See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___6813797) VR Verified Reviewer Graphic designer > "I had to go to the website (initially I was using the app) to lay complaints and that was when I found out I couldn't get access to my bank..." [See full review](https://www.capterra.com/p/187086/Payoneer/#Capterra___5028313) [View Reviews](https://www.capterra.com/p/187086/Payoneer/reviews/) ## User interface 4.39 (672) [Payoneer](https://www.capterra.com/p/187086/Payoneer/) 4.21 (762) ## Connect with a Capterra advisor for a free 15-minute consultation Get a personalized software list aligned to your business needs with guidance from our expert advisors. Our team has helped 1 million+ businesses like yours find options that fit their needs. ### Features Do these products fit your needs? Prioritize real-user-identified key features according to your needs to find your best fit. \--% Fit vs \--% Fit ACH Payment Processing 207 Important Activity Dashboard 150 Important AI Copilot 120 Important Zoho Books Top features 15/37 - ACH Payment Processing - Activity Dashboard - AI Copilot - Alerts/Notifications - API - Billing & Invoicing - Cryptocurrency Processing - Customizable Branding - Data Import/Export - Data Security - Debit/Credit Card Processing - Digital Wallet Payments - eCommerce Integration - Electronic Signature - Expense Tracking - Generative AI - In-Person Payments - Loyalty Program - Mobile Payments - Multi-Currency - Multiple Payment Options - Online Payments - Partial Payments - Payment Fraud Prevention - Payment Gateway Integration - Payment Links - Payment Reconciliation - PCI Compliance - Point of Sale (POS) Integration - Real-Time Data - Receipt Management - Recurring/Subscription Billing - Reporting/Analytics - Search/Filter - Self Service Portal - Status Tracking - Transaction Monitoring [See all features](https://www.capterra.com/p/163115/Zoho-Books/#features) Payoneer 9/37 - ACH Payment Processing - Activity Dashboard - AI Copilot - Alerts/Notifications - API - Billing & Invoicing - Cryptocurrency Processing - Customizable Branding - Data Import/Export - Data Security - Debit/Credit Card Processing - Digital Wallet Payments - eCommerce Integration - Electronic Signature - Expense Tracking - Generative AI - In-Person Payments - Loyalty Program - Mobile Payments - Multi-Currency - Multiple Payment Options - Online Payments - Partial Payments - Payment Fraud Prevention - Payment Gateway Integration - Payment Links - Payment Reconciliation - PCI Compliance - Point of Sale (POS) Integration - Real-Time Data - Receipt Management - Recurring/Subscription Billing - Reporting/Analytics - Search/Filter - Self Service Portal - Status Tracking - Transaction Monitoring [See all features](https://www.capterra.com/p/187086/Payoneer/#features) ### Recognition Zoho Books is recognized as a top-rated tool in 3 Capterra Shortlist reports Payoneer is recognized as a top-rated tool in 3 Capterra Shortlist reports ### Deployment & support Zoho Books Deployment - Cloud, SaaS, Web-Based - Desktop Mac - Desktop Windows - Desktop Linux - On-Premise Windows - On-Premise Linux - Desktop Chromebook - Mobile Android - Mobile iPhone - Mobile iPad Support - Email/Help Desk - FAQs/Forum - Knowledge Base - Phone Support - 24/7 (Live rep) - Chat Training - In Person - Live Online - Webinars - Documentation - Videos Payoneer Deployment - Cloud, SaaS, Web-Based - Desktop Mac - Desktop Windows - Desktop Linux - On-Premise Windows - On-Premise Linux - Desktop Chromebook - Mobile Android - Mobile iPhone - Mobile iPad Support - Email/Help Desk - FAQs/Forum - Knowledge Base - Phone Support - 24/7 (Live rep) - Chat Training - In Person - Live Online - Webinars - Documentation - Videos ### Company Details Zoho Books - By Zoho - Located in United States - Founded in 1996 Payoneer - By Payoneer - Located in United States - Founded in ## Popular Comparisons [Zoho Books](https://www.capterra.com/p/163115/Zoho-Books/)[4.39 (672)](https://www.capterra.com/p/163115/Zoho-Books/reviews/) vs [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)[4.34 (8,447)](https://www.capterra.com/p/190778/QuickBooks-Online/reviews/) $20/month Price $38/month 4.3 Features 4.3 4.4 Ease of Use 4.2 [View full comparison](https://www.capterra.com/compare/163115-190778/Zoho-Books-vs-QuickBooks-Online) [Payoneer](https://www.capterra.com/p/187086/Payoneer/)[4.21 (762)](https://www.capterra.com/p/187086/Payoneer/reviews/) vs [PayPal](https://www.capterra.com/p/207944/PayPal/)[4.65 (26,408)](https://www.capterra.com/p/207944/PayPal/reviews/) Contact vendor for pricing Price $0.29 4.2 Features 4.6 4.2 Ease of Use 4.6 [View full comparison](https://www.capterra.com/compare/187086-207944/Payoneer-vs-PayPal) [Zoho Books](https://www.capterra.com/p/163115/Zoho-Books/)[4.39 (672)](https://www.capterra.com/p/163115/Zoho-Books/reviews/) vs [QuickBooks Enterprise](https://www.capterra.com/p/174984/QuickBooks-Enterprise/)[4.51 (20,639)](https://www.capterra.com/p/174984/QuickBooks-Enterprise/reviews/) $20/month Price $2210/year 4.3 Features 4.4 4.4 Ease of Use 4.3 [View full comparison](https://www.capterra.com/compare/163115-174984/Zoho-Books-vs-QuickBooks-Enterprise) [Payoneer](https://www.capterra.com/p/187086/Payoneer/)[4.21 (762)](https://www.capterra.com/p/187086/Payoneer/reviews/) vs [Venmo](https://www.capterra.com/p/222572/Venmo-/)[4.73 (9,281)](https://www.capterra.com/p/222572/Venmo-/reviews/) Contact vendor for pricing Price Contact vendor for pricing 4.2 Features 4.6 4.2 Ease of Use 4.7 [View full comparison](https://www.capterra.com/compare/187086-222572/Payoneer-vs-Venmo-) [Zoho 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