App comparison
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Zum
5
6
4
0
3
1
2
0
1
0
Based on GetApp‘s extensive, proprietary database of in-depth, verified user reviews
Simplifying the complexities of payments
Last updated: November 2025
Zum Alternatives & Competitors (2026)
Top 4 free alternatives
FreshBooks
Invoice and accounting software tailored to small businesses
0.4
Value for money
Starting price
No pricing info
0.1
Functionality
Alerts/Notifications
5/5
Attendance Tracking
4.6/5
Accounting
4.5/5
Top Features
ACH Payment Processing
4.5/5
Accounting
4/5
Billing & Invoicing
2/5
Xero
Cloud-based accounting software for small businesses
0.4
Value for money
Starting price
No pricing info
0.1
Functionality
401(k) Tracking
4.8/5
Accounting
4.6/5
Activity Dashboard
4.5/5
Top Features
ACH Payment Processing
4.5/5
Accounting
4/5
Billing & Invoicing
2/5
NetSuite
AI-powered cloud-based business management suite
0.8
Value for money
No pricing info
Starting price
No pricing info
0.2
Functionality
Accounting Integration
4.7/5
Accounts Payable
4.5/5
Activity Tracking
4.4/5
Top Features
ACH Payment Processing
4.5/5
Accounting
4/5
Billing & Invoicing
2/5
Zoho Books
Online accounting software for businesses of all sizes
0.3
Value for money
Starting price
No pricing info
0.1
Functionality
Approval Process Control
4.9/5
Billable & Non-Billable Hours
4.8/5
Accounting
4.5/5
Top Features
ACH Payment Processing
4.5/5
Accounting
4/5
Billing & Invoicing
2/5
Sage Intacct
Best-in-class Cloud ERP for Finance
0.7
Value for money
No pricing info
Starting price
No pricing info
0.2
Functionality
Activity Tracking
5/5
Accounting
4.6/5
Activity Dashboard
4.6/5
Top Features
ACH Payment Processing
4.5/5
Accounting
4/5
Billing & Invoicing
2/5
Melio
Accounts payable platform for businesses of all sizes
0.4
Value for money
Starting price
No pricing info
0.3
Functionality
Approval Workflow
5/5
Accounts Receivable
4.7/5
Accounts Payable
4.6/5
Top Features
ACH Payment Processing
4.5/5
Accounting
4/5
Billing & Invoicing
2/5
Sage 50 Accounting
Cloud-based accounting tool for small and midsized business
1.1
Value for money
Starting price
No pricing info
0.7
Functionality
Accounting
4.5/5
Access Controls/Permissions
4.5/5
Bank Reconciliation
4.2/5
Top Features
ACH Payment Processing
4.5/5
Accounting
4/5
Billing & Invoicing
2/5
Online Check Writer
Software for managing payments and accounting operations
0.3
Value for money
Starting price
No pricing info
0.1
Functionality
ACH Payment Processing
5/5
Accounts Payable
4.9/5
Accounts Receivable
4.4/5
Top Features
ACH Payment Processing
4.5/5
Accounting
4/5
Billing & Invoicing
2/5
Paystand
B2B payment automation platform for finance teams
0.4
Value for money
No pricing info
Starting price
No pricing info
0.2
Functionality
Activity Dashboard
4.8/5
Billing & Invoicing
4.5/5
API
4.3/5
Top Features
ACH Payment Processing
4.5/5
Accounting
4/5
Billing & Invoicing
2/5
Versapay
Accounts receivable automation platform
0.4
Value for money
No pricing info
Starting price
No pricing info
Functionality
Billing & Invoicing
4.9/5
Activity Dashboard
4.6/5
Aging Tracking
4.3/5
Top Features
ACH Payment Processing
4.5/5
Accounting
4/5
Billing & Invoicing
2/5
0.4
Value for money
Starting price
No pricing info
Functionality
Activity Tracking
4.6/5
Accounts Receivable
4.6/5
Accounts Payable
4.6/5
Top Features
ACH Payment Processing
4.5/5
Accounting
4/5
Billing & Invoicing
2/5
0.5
Value for money
Starting price
No pricing info
0.1
Functionality
401(k) Tracking
5/5
ACH Payment Processing
4.8/5
1099 Preparation
4.8/5
Top Features
ACH Payment Processing
4.5/5
Accounting
4/5
Billing & Invoicing
2/5
0.5
Value for money
Starting price
No pricing info
0.1
Functionality
Accounting
5/5
Chart of Accounts
5/5
Credit Card Processing
5/5
Top Features
ACH Payment Processing
4.5/5
Accounting
4/5
Billing & Invoicing
2/5
0.1
Value for money
Starting price
No pricing info
0.2
Functionality
Accounts Receivable
4.5/5
Activity Dashboard
4.5/5
Accounting
4.5/5
Top Features
ACH Payment Processing
4.5/5
Accounting
4/5
Billing & Invoicing
2/5
0.8
Value for money
Starting price
No pricing info
0.3
Functionality
ACH Payment Processing
4.5/5
Access Controls/Permissions
4.5/5
Accounts Receivable
4.2/5
Top Features
ACH Payment Processing
4.5/5
Accounting
4/5
Billing & Invoicing
2/5
0.5
Value for money
Starting price
No pricing info
0.1
Functionality
Activity Dashboard
5/5
API
5/5
Accounting
4.9/5
Top Features
ACH Payment Processing
4.5/5
Accounting
4/5
Billing & Invoicing
2/5
0.5
Value for money
No pricing info
Starting price
No pricing info
0.1
Functionality
Accounts Receivable
5/5
Approval Process Control
4.7/5
API
4.7/5
Top Features
ACH Payment Processing
4.5/5
Accounting
4/5
Billing & Invoicing
2/5
0.2
Value for money
Starting price
No pricing info
0.5
Functionality
Access Controls/Permissions
5/5
Accounting
3/5
Access Controls/Permissions
N/A
Top Features
ACH Payment Processing
4.5/5
Accounting
4/5
Billing & Invoicing
2/5
1.3
Value for money
No pricing info
Starting price
No pricing info
0.2
Functionality
Accounting Integration
4.5/5
Accounting
4/5
ACH Payment Processing
4/5
Top Features
ACH Payment Processing
4.5/5
Accounting
4/5
Billing & Invoicing
2/5
0.2
Value for money
Starting price
No pricing info
0.1
Functionality
Billing & Invoicing
5/5
Accounting
4.5/5
Alerts/Notifications
4.5/5
Top Features
ACH Payment Processing
4.5/5
Accounting
4/5
Billing & Invoicing
2/5