ZipBooks vs Zoho Books

ZipBooks is accounting software for small businesses, combining invoicing, bookkeeping, reporting and business intelligence. Users can send invoices and estimates, take card payments, set recurring auto-billing and automate payment reminders. Accounting tools include bank connections, reconciliation, transaction categorization and financial reports; ZipBooks says it can import transactions automatically from thousands of financial institutions, including many banks in the U.S. and Canada. Users can track project and task time in a browser or iOS app and add time entries to invoices. The product lists Gusto integration, and supports digital payments through Square or PayPal. Time entries can sync with Gusto for payroll, with payroll transaction details recorded in ZipBooks. It is available on web, Android and iOS, and the maker is headquartered in Utah, USA. ZipBooks offers a free plan and a free trial. Their described features range from invoices, bank connections and reports to reconciliation, time tracking, team access, client account management and data migration.

Zoho Books is an accounting service for invoices, bills, banking, inventory, expenses, projects, reporting, and online payments. It includes bank feeds, automated reconciliation, receipt capture, and accountant access, with dedicated iOS and Android apps. Inventory tools cover stock tracking, reorder alerts, warehouses, serial numbers, batch tracking, and bin locations. It supports foreign transactions with exchange rates applied in real time, and changes sync across devices with automatic cloud backup. Transactions use two-factor authentication and SSL encryption; Zoho Books does not store credit card information. The free plan includes one user and one accountant, allows five scheduled reports, and remains available indefinitely while annual revenue is at or below $50K. Standard costs $15 a month with annual billing. A 14-day free trial is available. Subscriptions are pay-as-you-go without a contract commitment and can be cancelled. Support hours are Monday to Friday, 9 am to 9 pm ET, with channels varying by plan.