--- title: "Zoho Books Software Pricing, Alternatives & More 2026 | Capterra" description: "With the help of Capterra, learn about Zoho Books Software - reviews, pricing plans, popular comparisons to other Accounting products and more." source_url: "https://www.capterra.com/p/163115/Zoho-Books/" page_type: "product" language: "en" --- # Zoho Books Software Review 2026: Features, Integrations, Pros & Cons Last updated on August 3, 2026 Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Description](#description)[Use cases](#use-cases)[Alternatives](#alternatives)[FAQs](#faqs)[Users](#users)[Pros and Cons](#pros-cons)[Features](#features)[Pricing](#pricing)[Integrations](#integrations)[Support](#support)[Reviews](#reviews) Zoho Books ## What is Zoho Books? Zoho Books is an online accounting software that allows businesses to manage the money flowing in and out of businesses. Users can track payables and receivables, customize invoices and set up automated payment reminders for clients, connect and reconcile bank accounts by fetching and matching transactions, and more. With customer and vendor portals, Zoho Books helps customers and vendors to keep track of their transactions. Payment gateways enable customers to pay by providing multiple reliable payment methods. With various reports, users can access insights into financial health. Zoho Books assists businesses of all sizes with managing accounting tasks and organizing transactions. ## What is Zoho Books used for? [Accounting](https://www.capterra.com/accounting-software/)[Billing and Invoicing](https://www.capterra.com/billing-and-invoicing-software/)[Financial Reporting](https://www.capterra.com/financial-reporting-software/) Recognitions Shortlist Overall rating Based on 678 user reviews Reviews sentiment Positive 89% Neutral 7% Negative 4% Pros & cons Streamlined daily accounting tasks Quick and simple onboarding Slow and inconsistent assistance Unreliable bank syncing features Starting price $20 Other, Per Month Free trial available Capterra Shortlist charts the highest-rated and most popular products... - Accounting / 2026 - Accounts Payable / 2026 - Financial Reporting / 2026 - Accounts Receivable / 2025 - General Ledger / 2025 - Purchasing / 2025 Our "Best of" badge program showcases products with the highest ratings... Our "Best of" badge program showcases products with the highest ratings... ## Zoho Books alternatives Highest Rated [4.7 (823)](https://www.capterra.com/p/163114/Zoho-Invoice/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 96% of reviewers rated it above 4 stars [4.4 (3,316)](https://www.capterra.com/p/120109/Xero/reviews/) Starting price $25.00 Per User, Per Month Pricing Options Free Trial Free Version User Rating 88% of reviewers rated it above 4 stars [4.2 (2,058)](https://www.capterra.com/p/135757/NetSuite/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 85% of reviewers rated it above 4 stars [4.0 (623)](https://www.capterra.com/p/174753/Sage-50cloud/reviews/) Starting price $124.42 Per User, Per Month Pricing Options Free Trial Free Version User Rating 76% of reviewers rated it above 4 stars [View all alternatives](https://www.capterra.com/p/163115/Zoho-Books/alternatives/) ## FAQs about Zoho Books Overview ### What problems does Zoho Books solve? Zoho Books solves manual bookkeeping, slow invoicing, error-prone data entry, and weak cash-flow visibility by automating bank reconciliation, expense capture, recurring invoices, payment reminders, and financial reporting. Small businesses, startups, accountants, finance teams, and business owners benefit most when they need fast setup, clean records, and easier day-to-day financial control. Answer based on 285 reviews Overview ### Which roles and teams benefit most from Zoho Books? Zoho Books is most used by business owners, founders, and C-suite leaders who need visibility into cash flow, invoicing, and financial performance. Accountants, finance teams, and administrators rely on it for bookkeeping, billing, expense tracking, and reporting, while managers and consultants use it to streamline day-to-day operational finance workflows. Answer based on 597 reviews Overview ### What company size and industries is Zoho Books built for? Zoho Books is built mainly for small businesses, which make up 85% of reviewers, with Information Technology and Services leading at 13%. It serves businesses of all sizes across industries including legal, real estate, retail, wholesale, education, financial services, healthcare, manufacturing, accounting at 8%, and computer software at 7%. Answer based on 674 reviews Features and Usability ### What are the key features of Zoho Books? Zoho Books includes core accounting features like invoicing, billing, expense tracking, bank reconciliation, and financial reporting. Differentiators include online payments with payment gateway support, a client portal for invoices and statements, time tracking for billable hours, recurring invoices and reminders, plus integrations with Zoho apps and other tools. Answer based on 227 reviews Pricing ### How much does it cost and what fees or limitations are included? Zoho Books starts at $20/month for the Standard plan for up to 3 users, with a free plan for 1 user and a free trial. Paid tiers rise to Professional, Premium, Elite, and Ultimate. Reviewers often call it affordable, but some say costs rise with more users or premium features. Answer based on 171 reviews Integrations ### Which third-party tools and platforms does Zoho Books integrate with? Zoho Books integrates with over 20 third-party tools, including payment platforms PayPal, Stripe, 2Checkout, and Square Point of Sale; Zoho apps such as Zoho CRM, Zoho Expense, and Zoho Inventory; plus automation and tax tools like Zapier and Avalara. It also connects with Google Drive, Dropbox, and Slack. Answer based on 134 reviews Getting Started and Support ### How easy is it to onboard and train a team on Zoho Books? Zoho Books is fairly easy to onboard for teams familiar with finance tools, and many nontechnical users learn basic tasks quickly through its intuitive layout. Training is available through in-person sessions, live online training, webinars, documentation, and videos. Admins and first-time accounting users usually need more time for setup, mapping, and customization. Answer based on 23 reviews Getting Started and Support ### What customer support options does Zoho Books offer, and how do users rate the experience? Zoho Books offers email/help desk, FAQ/forum, a knowledge base, phone support, and chat. Users often describe support as quick, clear, and helpful, with good guidance during setup and issue resolution. Others report inconsistent quality, slow callbacks, difficulty getting complex problems resolved, and occasionally generic or unclear answers. Answer based on 132 reviews Security ### How does Zoho Books handle data security and access control? Zoho Books uses cloud-based storage, regular backups, password protection, two-factor authentication, access controls, and audit trails to protect financial data and support recovery. Reviewers also describe client sharing and accounting records as secure. Some note that user permissions lack depth and more granular rights functionality would improve access control. Answer based on 25 reviews ## Who uses Zoho Books? Based on Capterra reviews from the past 3 years Talk to a software expert to get a free software list tailored to your business needs ## Pros and Cons Streamlined daily accounting tasks 93% positive reviews out of 73 Most users describe ease of use as enabling faster, simpler completion of everyday accounting responsibilities. Slow and inconsistent assistance 41% negative reviews out of 113 Some users say customer support is difficult to reach, slow to respond, and often provides unhelpful or unclear solutions. Quick and simple onboarding 92% positive reviews out of 38 Most reviewers indicate setup is straightforward, requiring minimal time or expertise to get started efficiently. Unreliable bank syncing features 45% negative reviews out of 60 Some users report bank reconciliation suffers from frequent sync issues, missing transactions, and limited account management options. Luke T. Director and Tutor, 1 employee. "Another small problem is that it doesn't import your bank transactions until the day after the transaction has taken place, despite refreshing the feed." Comprehensive financial oversight tools 92% positive reviews out of 37 Most reviewers find financial management features provide clear insights, useful reports, and simplified tracking of company finances. Miguel P. Financial Advisor, 51 - 200 employees. "Zoho Books is a reliable and comprehensive platform for enterprise financial management." Persistent software glitches 71% negative reviews out of 42 Most users comment bugs and issues cause ongoing disruptions, slow performance, and unresolved technical problems over time. ## Features AI summary Based on 11,280 Accounting reviews Capterra data shows that buyers of accounting software rank the following features as their top priorities: - **Income & Balance Sheet** (**57%** of reviewers rated this feature as critical) - **Financial Reporting** (**52%**) - **General Ledger** (**51%**) Zoho Books supports all three of the features reviewers rate highest: **Income & Balance Sheet**, **Financial Reporting**, and **General Ledger**. Together, these capabilities give businesses a clear view of financial performance, keep core accounting records accurate, and make it easier to track results over time, helping teams make informed decisions and manage day-to-day finances with confidence. Income & Balance Sheet 4.6 (65) 67.69% of 65 reviewers that rated this feature as important or highly important A statement detailing the financial position of a business including assets, liabilities, and equity at a certain point in time Financial Reporting 4.5 (52) 57.69% of 52 reviewers that rated this feature as important or highly important Generate reports to assess the financial performance of an organization Expense Tracking 4.4 (64) 56.25% of 64 reviewers that rated this feature as important or highly important Monitor and record expenses such as purchases or charges incurred Bank Reconciliation 4.2 (80) 60.00% of 80 reviewers that rated this feature as important or highly important You can link bank accounts, import statements, and match transactions easily. Reviewers indicate it saves time and is user-friendly, though some mention occasional confusion or bugs, and note that splitting payments between customers can be challenging. Billing & Invoicing 4.4 (112) 58.93% of 112 reviewers that rated this feature as important or highly important This aspect helps you automate recurring invoices, manage billing, and send reminders. Some reviewers find it simple and effective, highlighting easy invoice management and integration, though a few mention issues with volume entries and recurring invoice updates. Online Invoicing 4.5 (72) 62.50% of 72 reviewers that rated this feature as important or highly important With this capability, you can quickly create and send invoices online, customize templates, and accept multiple payment methods. Reviewers appreciate the efficiency, ease of use, and ability to track payments, noting it speeds up closing sales and reduces paperwork. Zoho Books 100 features Built-in accounting to manage ledger, accounts payable/receivable, financial reports, etc. Track money owed to a company's creditors/suppliers Track outstanding invoices and the money owed from clients Recognizing income when earned and expenses when incurred regardless of when cash is received or disbursed. Accept electronic bank-to-bank transfers using a network called the Automated Clearing House (ACH) Application programming interface that allows for integration with other systems/databases Manage the process of evaluating documents or requests submitted for approval A record of all activities within the system, including user access, changes made, etc. You can link bank accounts, import statements, and match transactions easily. Reviewers indicate it saves time and is user-friendly, though some mention occasional confusion or bugs, and note that splitting payments between customers can be challenging. Track billable hours and/or non-billable expenses for work performed This aspect helps you automate recurring invoices, manage billing, and send reminders. Some reviewers find it simple and effective, highlighting easy invoice management and integration, though a few mention issues with volume entries and recurring invoice updates. Gateway through which end users can view past bills and pay current invoices Create budgets based on historical data and future projections Monitoring, analysis, and projection of the movement of cash into and out of a business over a specific period Process of managing an organization's cash resources, including cash on hand, investments, and bank account balances Create and manage digital catalog of products/services with their details, specifications, and price Private online space that lets businesses securely share documents and provide information access to clients Tracking, calculating, and paying commissions and earnings to employees Track and manage adherence to policies for any service, product, process, or supplier Combining loans, assets, liabilities, and other financial data from multiple subsidiary companies into one entity for reporting Centralized database of stakeholders and their contact information such as names, address, phone number etc. Manage, organize, and store contact information Track, store, and access client contracts or licenses Streamlines the entire accounting process, from ledger entries and expense tracking to accounts payable, financial reporting and more. Manage budgets, track and optimize spending and align capacity to workload demand Reports that show customers their invoices, payments, and balance on the account Customize data fields to support various needs and use cases Invoices that can be tailored according to company's branding, payment terms and personalized information Pre-designed layouts that can be customized to match preferences and requirements Assembly of graphs and charts for visualizing and tracking statistics/metrics Import and export data to and from software applications Protect sensitive data for digital privacy Graphical representation of data Electronically collect payments for goods or services Attaching relevant receipts or supporting documents to submit expenses for reimbursement Monitor and record expenses such as purchases or charges incurred Evaluate units, projects, budgets, and other finance-related data to gauge their performance and potential risk Plan, manage, and track the financial activities of an individual or organization Generate reports to assess the financial performance of an organization Primarily serving architecture, engineering, and construction industry professionals Specifically designed to address the needs of law firms and legal departments Intended for medical use such as diagnosis, treatment, and consultation For realtors, real estate investors, property managers, and other real estate professionals. Designed for small businesses Designed to be used by trucking businesses Centralized accounting record which tracks all financial transactions A statement detailing the financial position of a business including assets, liabilities, and equity at a certain point in time Monitor product stock levels Track and manage inventory levels to maintain proper supply Zoho Books offers straightforward invoice creation with customization, product/service addition, and payment integration. Users think it’s easy to generate professional invoices, automate data flow from estimates, and customize templates, making daily billing tasks faster and more manageable. It gives you instant access to all past invoices, making it easy to track payments, generate reports, and retrieve records for accounting or client requests. Reviewers appreciate the convenience, real-time access, and usefulness for payment tracking and historical queries. Captures invoice data and maintains comprehensive records for auditing and reporting purposes Creation, processing, verification, and execution of invoices till the payment is made Software designed for kindergarten through 12th grade schools Access the system via a mobile application Clients can submit payments via mobile devices Manage the accounting and financial aspects of multiple locations or companies in a single location Manage and handle various international currencies With this capability, you can quickly create and send invoices online, customize templates, and accept multiple payment methods. Reviewers appreciate the efficiency, ease of use, and ability to track payments, noting it speeds up closing sales and reduces paperwork. Accept and process online payment transactions Track employee and task times using internet connection Manage and track customer orders for goods, investments, or any other purchases Allow customers to make a partial payment on an invoice and track remaining debt Accept, record, and reconcile financial transactions Reconcile payments with corresponding invoices or orders for accounting purposes A type of financial statement used to record and report an organization's revenues, costs, and expenses over a specific amount of time Manage and track financials on a project-to-project basis Business model that bills clients an amount based on the project/task/job performed Plan and coordinate all the resources, costs and time needed to execute assignments Estimate or forecast of a future scenario based on the study of present trends Create, send, and track purchase orders and their statuses Aligns purchase orders with incoming invoices and receiving reports Workflows that help acquire inventory, issue purchase orders and receive and store items in required quantity Generate quotes or estimates for customers Receive data and information in real time Active reporting of data and metrics Upload, track, and submit receipts in a central database A list of customers and their payments due updated on a monthly basis Automated process of charging customers at regular intervals for repeated access or use of a product or service Timed notification for any upcoming task, deadline, appointment, or activity Access work applications remotely, for when working away from the office and/or traveling Collection, analysis, and representation of numerical data and generation of reports to understand various patterns View and track pertinent metrics to find patterns and gain insights from data Review, approve and cancel requests for goods/services to be purchased Calculation of consumption tax imposed on the sale of goods/services Track the amount of money spent on a certain product or with a certain supplier Manage all supplier data and operations Create, manage and track all task activities and progression Calculate tax and make deductions on gross income from sources like wages, investments or self-employment Track tax-related transactions, tax remittance and tax reporting for various groups of employees and contractors The completion of documentation that calculates earned income and the taxes to be paid, also called a tax return Implementation of various strategies to manage tax obligations via planning and maintaining compliance Set up connections to third-party platforms to improve business processes Log and record hours worked and costs spent to assist in billing and invoicing Measure and track time including hours worked and paid time off (PTO) Track the amount of time spent on a job or task Manage, record and track all business exchanges in form of money and its related interactions in the system Manage bookkeeping for client trust accounts Ability to track and store all vendor-related information, such as contacts, services offered, terms, etc. Create, design and manage workflows for repetitive tasks Get Advice We can help you find the software with the features you need. Features 4.3 (629) 4.3 Based on 629 reviews ## Pricing Value for money 4.4 (570) Free Trial Free Version [View pricing plan details](https://www.capterra.com/p/163115/Zoho-Books/pricing/) Free $0.00 It includes: - 1 User + 1 Accountant - Add Multiple Bank and Credit Card Accounts - Automate Payment Reminders - Bank Rules & Reconciliation - Chart of Accounts & Sub-Accounts - Client Portal - Credit Notes - Expenses & Mileage Tracking - Import Bank and Credit Card Statements - Integrations (Zoho Apps - Invoice Customization - Manage 1099 Contractors - Manage Clients - Manage Invoices (up to 1000/Year) - Manual Journals - Multi-Lingual Invoicing - Online/Offline Payments - Other Apps) - Payment Gateways - Recurring Invoices - Reports - Support- Email Standard $20.00 Other,Per Month It includes: - Add Multiple Bank and Credit Card Accounts - Automate Payment Reminders - Bank Rules & Reconciliation - Bulk Updates - Chart of Accounts & Sub-Accounts - Chat - Client Portal - Connect and Fetch Bank & Credit Card Feeds via Bank Feeds Provider - Credit Notes - Custom Fields - Custom Views - Expenses & Mileage Tracking - Import Bank and Credit Card Statements - Integrations (Avalara - Invite 3 Users - Invoice Customization - Manage 1099 Contractors - Manage Clients - Manage Invoices (Up to 5000) - Manual Journals - Multi-Lingual Invoicing - Online/Offline Payments - Payment Gateways - Predefined User Roles - Recurring Expenses - Recurring Invoices - Reporting Tags - Reports - Support - Email - Timesheet and Billing - Track Project Expenses and Invoice - Track Sales Tax - Transaction Locking - Voice - Zendesk) Professional $50.00 Other,Per Month It includes: - Add Multiple Bank and Credit Card Accounts - Automate Payment Reminders - Automatic Exchange Rates - Bank Rules & Reconciliation - Bills - Bulk Updates - Chart of Accounts & Sub-Accounts - Chat - Client Portal - Connect and Fh Bank & Credit Card Feeds via Bank Feeds Provider - Contextual Chat - Credit Notes - Currency Adjustments - Custom Fields - Custom Roles - Custom Views - Expenses & Mileage Tracking - Import Bank and Credit Card Statements - Integrations (Avalara - Invite 5 Users - Invoice Customization - Journal Templates - Landed Costs - Manage 1099 Contractors - Manage Clients - Manage Invoices (Up to 5000) - Manual Journals - Multi-Currency Handling - Multi-Lingual Invoicing - Online/Offline Payments - Payment Gateways - Payments Made - Predefined User Roles - Price Lists - Project Profitability - Purchase Approval - Purchase Orders - Recurring Bills - Recurring Expenses - Recurring Invoices - Recurring Journals - Reporting Tags - Reports - Retainer Invoices for Projects - Sales Approval - Sales Orders - Stock Tracking - Support - Email - Timesheet and Billing - Timesheet Approval - Timesheet - Client Approval - Track Project Expenses and Invoice - Track Sales Tax - Transaction Locking - Vendor Credits - Voice - Workflow Rules (Up to 10) - Zendesk) Premium $70.00 Other,Per Month It includes: - 10 Custom Modules - Add Multiple Bank and Credit Card Accounts - Automate Payment Reminders - Automatic Exchange Rates - Bank Rules & Reconciliation - Bills - Budgeting - Bulk Updates - Chart of Accounts & Sub-Accounts - Chat - Client Portal - Connect and Fh Bank & Credit Card Feeds via Bank Feeds Provider - Contextual Chat - Credit Notes - Currency Adjustments - Custom Buttons - Custom Domain - Custom Fields - Custom Reports - Custom Roles - Custom Views - Expenses & Mileage Tracking - Import Bank and Credit Card Statements - Integrations (Avalara - Invite 10 Users - Invoice Customization - Journal Templates - Landed Costs - Manage 1099 Contractors - Manage Clients - Manage Invoices (Up to 5000) - Manual Journals - Multi-Currency Handling - Multi-Lingual Invoicing - Multi-Transaction Number Series - Online/Offline Payments - Payment Gateways - Payments Made - Predefined User Roles - Price Lists - Project Profitability - Purchase Approval - Purchase Orders - Recurring Bills - Recurring Expenses - Recurring Invoices - Recurring Journals - Related Lists - Reporting Tags - Reports - Retainer Invoices for Projects - Sales Approval - Sales Orders - Stock Tracking - Support - Email - Timesheet and Billing - Timesheet Approval - Timesheet - Client Approval - Track Project Expenses and Invoice - Track Sales Tax - Transaction Locking - Twilio) - Validation Rules - Vendor Credits - Vendor Portal - Voice - Webtabs - Workflow Rules (Up to 200) - Zendesk - Zoho Sign Elite $150.00 Other,Per Month It includes: - Dashboard customization - Manage warehouses - Composite items - Track serial numbers - Batch tracking - Print shipping label - Track shipments - Connect online sales channels (Etsy, eBay, Amazon) Ultimate $275.00 Other,Per Month It includes: - Revenue recognition - Add and track KPIs for your business - Analyze Zoho Books data along with other data sources - Collaboratively create reports with colleagues - Embed reports in web sites/applications Value for money 4.4 (570) 4.4 Based on 570 reviews ## Integrations [ Google Drive](https://www.capterra.com/p/161425/Drive/)[ PayPal](https://www.capterra.com/p/207944/PayPal/)[ Slack](https://www.capterra.com/p/135003/Slack/)[ Dropbox](https://www.capterra.com/p/143068/Dropbox-Business/)[ Google Workspace](https://www.capterra.com/p/247901/Google-Workspace/)[ Microsoft 365](https://www.capterra.com/p/227157/Microsoft-365/)[ OneDrive](https://www.capterra.com/p/161304/OneDrive/)[ Evernote Teams](https://www.capterra.com/p/154969/Evernote-Business/) 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. ## Support, customer service and training options Customer Service 4.2 (549) Support - Email/Help Desk - FAQs/Forum - Knowledge Base - Phone Support - 24/7 (Live rep) - Chat Training - In Person - Live Online - Webinars - Documentation - Videos Deployment - Web - Android - iPhone/iPad Typical users - Freelancers - Small businesses - Mid size businesses - Enterprises Customer Service 4.2 (549) 4.2 Based on 549 reviews ## User reviews Overall rating 4.4 Based on 678 reviews Filter by rating 5(377) 4(228) 3(45) 2(14) 1(14) Mentioned topic Sorted by most recent MA Md A. Research Assistant Higher Education ### "Zoho for keeping personal tracks" 4.0 Overall Rating 4.0 4.0 Ease of Use 4.0 4.0 Features 4.0 4.0 Customer Service 3.0 3.0 Likelihood to Recommend 7/10 August 3, 2026 Overall it helps me manage my finances and keep the track of my costs. Also, UI needs to be updated a bit including the dashboard. Pros Zoho Books is honestly a fantastic tool if you’re running a small business or want to keep it for tracking personal expenses and want to put your accounting on autopilot without spending a fortune. It handles the daily grind like sending out invoices and matching up bank statements incredibly well. Plus, if you already use other Zoho apps like their CRM, everything connects perfectly right out of the box. They even have a free plan. I use it for making sure I am paying bills, getting the money I gave people. Cons Zoho puts strict caps on how many invoices and bills you can log each year, meaning you might be forced to upgrade to a pricier plan even if you don't need the extra features. It also doesn't play as nicely with outside apps compared to giants like QuickBooks. Switched from [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/) For getting a free version of keeping my expenses under control. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. KT Karen T. Office Manager Construction ### "Zoho is Awesome!" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 August 1, 2026 I have been using Zoho for quite a bit of time now and I like their Free version, if you choose to upgrade it still doesn't break the bank. Zoho is a great tool for all Pros Zoho is a great app for small businesses and it can grow with you. I use it most to track expenses and to create costumer quotes. Cons At the moment there isn't something I dislike. One function I wish it had would be to tailor it to all kinds of businesses, like construction. Switched from [AccuLynx](https://www.capterra.com/p/116187/Acculynx/) We switched due to Zoho being very affordable. We stayed for it's functionality and invoice management capacity. Alternatives considered [AccuLynx](https://www.capterra.com/p/116187/Acculynx/) Reasons for choosing Zoho Books I decided to go with Zoho instead of Acculynx due to price. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. JD John D. Financial Controller Public Relations and Communications ### "Has potential but severely lacks compared to competitors." 2.0 Overall Rating 2.0 2.0 Ease of Use 3.0 3.0 Features 2.0 2.0 Customer Service 1.0 1.0 Likelihood to Recommend 0/10 July 30, 2026 We tried it out for this year, as we were already paying for Zoho One but already 6 months in I can't wait to move sideways to a different system within the same cost bracket. Its made by people that have not had to use it as an accounts manager/financial controller, or worked in accounts practice. If the developers just tried out Xero and Quickbooks for a bit they would instantly see where theirs lack, but seeing comments in the forum some improvements just get ignored or shut down. Pros It links to Dext so it can auto import invoices and there is possibility to import and export most information in bulk (works well for chart of accounts, and stock items, invoices you can't bulk overwrite but can only import). Using a separate AI, you can write scripts to bulk update invoices (which wouldn't be a problem if you could bulk update every line). Cons Honestly there's a lot (39 reason to be exact, but I can't list them all). The bulk update tool is really frustrating - you can only do 25 items at a time, and it doesn't even show you the transaction details, just the gross value so you end up having a separate spreadsheet open just to check what you're moving which is difficult. Not only that but some things can't be bulk updated, some you have to do manually (like project!) Invoice numbers sort as text not numbers too, so your list goes 1, 10, 2, 21, 3 instead of actual order, which sounds minor but is so annoying when you're trying to find something. Reporting is another headache. I have already set up a power query excel sheet that reformats the detailed general ledger they give you, because numbers come out as text. VAT amounts and codes don't show up on transaction reports, and there's no report that just shows sales line items with the nominal, VAT, project and description all together - feels like such a basic thing to be missing. There is Zoho Analytics that might be able to combine all our company's general ledgers but it's not user friendly at all, still not managed to work it out 7 months in. If you want a project cost breakdown for all projects, it isn't possible, you have to run the cost summary and then click into each project separately (as we want to see materials and installs split out) - check out what Xero's does as an example. I don't know why it can't just run a general ledger for all unique lines with all possible fields. You will find on invoice, bills etc lists some fields you can't have shown on the main page, and some fields can't be shown on reports when theres absolutely no reason why it can't, so you end up creating custom fields just to be able to show the field. It also doesn't handle some UK accounting stuff the way it should. Vendor (aka Supplier - another point is everything is American!) payments sometimes post to prepaid expenses instead of trade creditors, and if you post multiple lines to the same nominal in a journal it groups them into one line on reports instead of keeping them separate, so you lose visibility of what's actually happened. Then there's just loads of small annoying things - you can't apply a credit to an invoice in a locked period even though it doesn't touch any actual transactions, you can't relink a bank payment to a different invoice once it's reconciled, and project search only works if you type the name exactly right in the right order. There's no ability to bypass lock period say if you are in a reviewer position so have to unlock it for everything! Oh and smart matching of bank items, is non existent except maybe where a payment matches an invoice exactly - you can't tick multiple at once and it doesn't learn from you put things or take an educated guess. Switched from [Sage 50 Accounting](https://www.capterra.com/p/174753/Sage-50cloud/) Sage hasn't changed much in 15 years (banking automation hadn't kept up), and I knew the capability of Quickbooks & Xero. Alternatives considered [AccountsIQ](https://www.capterra.com/p/126903/accountsIQ/) [iplicit](https://www.capterra.com/p/233828/iplicit/) [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/) [Xero](https://www.capterra.com/p/120109/Xero/) Reasons for choosing Zoho Books The other two were far more expensive and we couldn't warrant those yet. Quickbooks I knew had a few flaws, but as we already had Zoho Books for free I thought I'd try it Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. PR Pupp R. Owner Events Services ### "Zoho Books is a great all-round accounting solution " 4.0 Overall Rating 4.0 4.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 4.0 4.0 Likelihood to Recommend 7/10 July 29, 2026 Overall I found Zoho Books to be a good option, it’s good value for all of the capabilities it has. I am a UK based business owner and I eventually opted to switch for something which had smoother integrations with some of the other services and softwares that my business uses. Pros As with all Zoho products, the user interface is straightforward enough to do basic accounting and tracking without needing any specialised knowledge. Cons Took a little while to understand the various capabilities of Zoho Books but after a little bit of time exploring it was clear enough. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. AN Anonymous User IT Engineer Information Technology and Services ### "Reliable and User-Friendly Accounting Software" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 4.0 4.0 Likelihood to Recommend 8/10 July 28, 2026 My overall experience with Zoho Books has been very positive. It has helped simplify day-to-day accounting tasks while improving financial organization and accuracy. The software is reliable, user-friendly, and suitable for businesses looking for an affordable cloud-based accounting solution. The regular updates and automation features make managing finances much more efficient, and I would recommend it to other small and medium-sized businesses. Pros Zoho Books is easy to use and offers a clean, intuitive interface that makes accounting tasks straightforward. It simplifies invoicing, expense tracking, bank reconciliation, and financial reporting in one place. The automation features save time, and the integration with other Zoho applications makes it an excellent choice for small and growing businesses. Cons Some advanced accounting and customization features require time to learn, especially for new users. Certain reports and integrations could offer more flexibility, and customer support response times may occasionally be slower during busy periods. However, these issues do not significantly affect the overall experience. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. Innocent P. Borehole Drilling Civil Engineering ### "The software you need for your growth" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 July 8, 2026 Quick to use ,accessible and most organised software that any business can need.The go to software you need Pros Its most effectiveness when it comes to bookkeeping, and very much ease of use,also customer data base is kept and reports. Cons Its an excellent software to use ,nothing to dislike,business should be using this software if they are not already Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. NH Nguyen H. H. Deputy Service Manager Facilities Services ### "Steady in keeping track and managing the money." 4.0 Overall Rating 4.0 4.0 Ease of Use 5.0 5.0 Features 4.0 4.0 Customer Service 0.0 0.0 Likelihood to Recommend 8/10 June 7, 2026 It is a hands-on application for managing the finances in a medium-sized team. It's helped us to be able to organize payments, contracts, invoices without paperwork amassing. On a few occasions when we have had issues, customer support have been quick to assist. It is a good choice for a few things but there are a few things that needs improvement, and it is excellent especially for companies that desire the best value for their money without unnecessary hassles. Pros With Zoho Books, we've streamlined our service contract management and client billing process. I really enjoy the fact that it is possible to customize invoices according to distinct customer contracts, with both recurring and one payment. The bank feed connection has saved us hours a month working on reconciling transactions. It's got everything that we need for a small team like ours for the price. Cons Sometimes there are little glitches when switching between reports/exporting. We would also like to see the mobile application have more editing functionality, so you can edit an invoice on-site when working remotely. Customizing reports could be more flexible at times, but it's not a dealbreaker. Certain operations such as importing bulk data are a bit cumbersome. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. AN Anonymous User Growth Head - Sales Information Technology and Services ### "Excelled Software - Zoho Books" 5.0 Overall Rating 5.0 5.0 Ease of Use 4.0 4.0 Features 5.0 5.0 Customer Service 4.0 4.0 Likelihood to Recommend 9/10 April 1, 2026 Very friendly software, great UI and easy to use. Customer service is also very prompt and helpful team. Pros It’s genuinely one of the easiest tools to get started with — very intuitive, even for someone who isn’t from a finance background. What stands out is the value for money; you get a lot of functionality without it feeling overly complex or expensive. It’s also one of the most widely used products out there and has really played a big role in transforming how businesses manage accounting today. The flexibility to customize based on business needs is a big plus, and most clients already trust and relate to the brand, which makes adoption much smoother. Cons Customization cost can go up at times. There has to be different plans that has to be subscribed to for the customisation to work Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. DH Dylan H. Founder Online Media ### "Solid for non-bookkeepers" 4.0 Overall Rating 4.0 4.0 Ease of Use 4.0 4.0 Features 4.0 4.0 Customer Service 5.0 5.0 Likelihood to Recommend 9/10 March 23, 2026 Pros Easy to use, multi-currency support, good customer service (although I haven't had to contact anyone in quite some time), easy customizable invoices, nice interface. As someone doing my own books who's not a trained bookkeeper, this software gets the job done. Cons With having to add more customers/vendors to my account over time, the bill has risen quite a bit (CAD$120 back in 2020 to CAD$309 annual today) for essentially the same features. Reporting features can be confusing at times. Searching for transactions can be difficult as you can only seem to search for certain fields that you applied to the transaction. There's no way to search attached invoices or transaction notes for example. Switched from [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/) Didn't support multi-currency unless you paid more. Alternatives considered [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/) Reasons for choosing Zoho Books Better multi currency support for a cheaper entry point. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. GK Girish K. Owber Food & Beverages ### "Extremely poor flexibility or help for Small businesses. Need manual accountant" 2.0 Overall Rating 2.0 2.0 Ease of Use 2.0 2.0 Features 2.0 2.0 Customer Service 1.0 1.0 Likelihood to Recommend 2/10 January 9, 2026 very poor support. No desire to even show how a feature works. Just point to documentation and leave you high and dry No customization capability No automation tools Everything is manual Pros The tagging of transactions to different projects Meant mainly for medium and large companies with separate accounts dept Cons Not able to handle credit card merchant statements, with the government rules. for e.g. for transactions less than 2000 the MDR is not charged GST. There is no way to handle that other than doing manual entry for each transaction. For a retail business with 1000 transactions a day, doing this is really bad. Zoho support has no solution for this. Switched from [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/) They went out of business in India. They left no choice. Alternatives considered [Tally-I/O](https://www.capterra.com/p/188488/Tally-I-O/) Reasons for choosing Zoho Books I thought Zoho would be flexible and efficient. It is did not turn out that way. Wish I had taken Tally Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. [View all Reviews](https://www.capterra.com/p/163115/Zoho-Books/reviews/) ## Top-rated software of 2026 ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox. 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