Zoho Books vs Sage 100

QuickBooks Online

PayPal

Abby

QuickBooks Online is an all-in-one online business software designed to help manage business finances. The platform is built to scale businesses, unlocking insights and providing the functionality of a larger team, all on one integrated platform.

PayPal provides an end-to-end suite of tools that can integrate with a business's existing systems and service providers. Its network of shoppers and businesses provides AI-driven data insights to help businesses reach new customers and drive results.

Abby helps businesses ensure that customer documents are legal and comply with the rules. Customers can pay online and receive reminders for late payments.


Use Zoho Books to create and send detailed and customized purchase orders with your own branding. Track opened purchase orders and convert POs to bills.

Accounting

Accounts Payable

Accounts Receivable

Accrual Accounting

ACH Payment Processing

Approval Process Control

Audit Trail

Bank Reconciliation

Billable & Non-Billable Hours

Billing & Invoicing

Billing Portal

Budgeting/Forecasting

Cash Flow Management

Cash Management

Catalog Management

Client Portal

Commission Management

Compliance Management

Consolidation/Roll-Up

Contact Database

Contact Management

Contract/License Management

Core Accounting

Cost Management

Customer Statements

Customizable Fields

Customizable Invoices

Customizable Templates

Dashboard

Data Import/Export

Data Security

Data Visualization

Electronic Payments

Expense Claims

Expense Tracking

Financial Analysis

Financial Management

Financial Reporting

For AEC Industry

For Legal Professionals

For Medical Purposes

For Real Estate

For Small Businesses

For Trucking Industry

General Ledger

Income & Balance Sheet

Inventory Control

Inventory Management

Invoice Creation

Invoice History

Invoice Management

Invoice Processing

K-12

Mobile App

Mobile Payments

Multi-Company

Multi-Currency

Online Invoicing

Online Payments

Online Time Tracking

Order Management

Partial Payments

Payment Processing

Payment Reconciliation

Profit/Loss Statement

Project Accounting

Project Billing

Projections

Project Management

Purchase Order Management

Purchase Order Reconciliation

Purchasing & Receiving

Quotes/Estimates

Real-Time Data

Real-Time Reporting

Receipt Management

Receivables Ledger

Recurring/Subscription Billing

Reminders

Remote Access/Control

Reporting/Analytics

Reporting & Statistics

Requisition Management

Sales Tax Management

Spend Management

Supplier Management

Task Management

Tax Calculation

Tax Compliance

Tax Filing

Tax Management

Third-Party Integrations

Time & Expense Tracking

Timesheet Management

Time Tracking

Transaction Management

Trust Accounting

Vendor Management

Workflow Management

Reviews for Zoho Books come from a wide variety of industries, including information technology and services (13% of reviewers), accounting (9%), and computer software (7%). The most frequent use case for Zoho Books cited by reviewers is accounting (67% of reviewers).

Users and use cases

Most users consider Zoho Books to provide strong value for money, citing affordable pricing, useful free options, and cost-effectiveness with Zoho One. However, some users report significant price increases for advanced features or additional users.

Value for money

The Zoho Books integration most frequently cited by reviewers is Zoho CRM, a CRM product rated 4.6 out of 5 for its integration with Zoho Books.

Integrations

Zoho Books is an accounting solution offering key features such as online invoicing, invoice creation, billing and invoicing, and invoice history, among others.

Zoho Books

Web-based

Windows

Android

iPhone

iPad

FreshBooks

Wave

QuickBooks Enterprise

Xero

Odoo 

TallyPrime

Kashoo

Sage Accounting

Zoho Invoice

Holded

NetSuite

QuickBooks Desktop

Vyapar

Sage 100

Free

Standard

Professional

Premium

 Elite

 Ultimate

Persistent software glitches

System engineer trainee

The bugs that arise in the software which needs timely fixing.

72% of reviewers feel negative about Zoho Books’ bugs and issues. Users report ongoing glitches, performance problems, and occasional software errors that disrupt their workflow. They mention that some problems, such as lag, unresolved notifications, and recurring bugs, remain unaddressed for extended periods. Reviewers express frustration with slow responses to reported issues and say that updates sometimes introduce new problems. Some users feel that these persistent technical difficulties hinder their ability to rely on the software for daily business operations.

Unreliable bank syncing features

President

We had broken bank feeds for over a month with no resolution. When the bank feeds would import they were missing transactions which causes a huge reconciliation nightmare. When dealing with the technical support they just said try to refresh your bank feeds.

45% of reviewers feel negative about Zoho Books’ bank reconciliation. Users say the software often struggles with syncing bank accounts, resulting in broken feeds, missing transactions, and delays in updating records. They report difficulties in matching transactions, lack of basic features like deposit slip printing, and challenges with manual entry when automatic syncing fails. Reviewers indicate that these issues make reconciliation time-consuming and error-prone, especially when dealing with unsupported banks or frequent connection interruptions.

Limited and tedious expense tracking

Content Creator

Also, when you upload, it is difficult to add multiple documents to a single expense.

35% of reviewers feel negative about Zoho Books’ expense tracking features. Users indicate that the software lacks advanced capabilities such as budgeting modules, easy receipt uploads, and efficient handling of recurring expenses. They find it cumbersome to assign expenses, integrate with other Zoho tools, and manage multiple documents. Reviewers mention delays in updating expenses after financial institution changes and difficulties in adapting the system to specific tax or reporting needs, making expense management less efficient than desired.

Slow and unhelpful support

The customer service is pathetic, we are running a CA firm and have almost 20 Zoho books subscription and login and one of the login as was asking an OTP we were not getting because the [sensitive content hidden] is travelling and OTP is going to only mobile number not to email hence raised the ticket and the team keep saying that the accounts team is working but we did not receive any resolution they wasted a whole day and did not resolve this.

38% of reviewers feel negative about Zoho Books’ customer support. Users report slow response times, inconsistent assistance, and difficulty reaching knowledgeable representatives. They say support is often limited to email or chat, with long waits for resolutions and a lack of clear communication. Reviewers mention that complex issues are frequently misunderstood or unresolved, leading to frustration. Some users feel that inadequate support detracts from the overall experience, especially when urgent help is needed for business-critical problems.

Comprehensive financial oversight

92% of reviewers feel positive about Zoho Books’ financial management capabilities. Users say the software provides clear insights into cash flow, financial health, and business performance. They appreciate the variety of financial reports available, which help them make informed decisions and maintain accurate records. Reviewers mention that Zoho Books simplifies tracking transactions, organizing finances, and generating timely reports. Some users highlight the convenience of cloud storage for financial data and the ease of correcting historical errors, making ongoing financial management more efficient.

Quick and simple onboarding

92% of reviewers feel positive about Zoho Books’ setup process. Users report that getting started with the software is fast and straightforward, often requiring minimal technical knowledge. They find the onboarding process manageable, with helpful guidance and easy configuration. Reviewers indicate that setup is accessible for beginners and does not demand extensive training. Some users say the platform is easy to implement across teams and works well on various browsers, making it convenient for businesses to transition and begin managing accounts without delay.

Affordable for small businesses

Director

The implementation and easy understanding of system makes the product a must have for small businesses.

90% of reviewers feel positive about Zoho Books’ suitability for small businesses. Users think the software is well-priced and offers features that meet the needs of startups, freelancers, and small to medium-sized enterprises. They appreciate its scalability, user-friendly design, and integration with other Zoho products. Reviewers indicate that Zoho Books helps small businesses manage accounting tasks efficiently without a steep learning curve or high costs. Some users say the platform supports business growth and is a practical choice for those with limited resources.

Streamlined daily accounting tasks

93% of reviewers feel positive about Zoho Books’ ease of use. Users think the software simplifies their daily accounting work, making it quick to complete tasks and manage business numbers. Reviewers appreciate that it is user-friendly, intuitive, and convenient for both new and experienced users. They say it saves them time, reduces complexity, and allows them to focus on their core business activities. Some users mention that the platform is easy to learn and helps them stay organized, making it especially suitable for those who want straightforward accounting solutions.

Intuitive and clean design

Accountant

I have been enjoying the usuage of this software from day 1 learning it is so easy and the interface is much more easier to understand various options at a faster pace

90% of reviewers feel positive about Zoho Books’ user interface. Users report that the interface is visually appealing, well-organized, and easy to navigate. They find the design intuitive, which reduces the need for extensive training and helps them quickly access features. Reviewers appreciate the clean layout, customizable elements, and consistency across the Zoho suite. Some users mention that the interface enhances their overall experience, making accounting tasks less daunting and more approachable for both new and seasoned users.

Growth Head - Sales

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.

President and CEO

I particularly use the Zoho Billing app they have to bill customers automatically each month and the results are auto-recorded in Zoho Books.

Customer Service Auditor

I used it for a short period of time on a previous job, but I did like that it has so many features, everything a small business needs like invoicing, expense tracking, inventory, time tracking.

Global Finance Manager

I´ve created my data base and from there, I create the invoices, record payments, set payment reminders, and create some reports to keep my AP well organized.

Customer Service Representative

I love Zoho Books for how it automates many repetitive accounting tasks like invoicing, tracking expenses and bank reconciliation.

There were slow to integrate with well known vendors for payroll like Gusto likely because they were coming out with their own implementation of payroll, which is now available for all 50 USA states.

Bachelor in Supply Chain Management

Zoho Books has allowed us to improve in the accounting area, having a perfect administration of expenses, accounts, invoices, payments and other tasks to be carried out, it manages a magnificent online accounting function, keeping all the payment reports up to date without forgetting invoices or payments to make, it is a very complete platform with its tools.

Procurement officer

The fact that more advanced features necessitate higher-tier plans and that integrations with third-party apps can sometimes feel restricted or a little clunky were the things I didn't like the most.

Founder

The available integrations of Zoho Books enable a lot of ease for sending and tracking quotes and invoices.

Director and Tutor

It was a bit more complicated to navigate than Quickbooks and automating recurring invoices felt a bit fiddly and over-complicated.

Owber

There is no way to handle that other than doing manual entry for each transaction.

For example, it's what I used it to generate recurring invoices for my clients, saving me hours of manual work per month.

I also have automated billing I utilize with Zoho Billing and it integrates perfectly.

Office Manager

The feature I like most is the Estimating and Invoicing.

The tagging of transactions to different projects

Gen Secretary

Zoho Books and all Zoho products is designed with great thought at a price which is throw away.

Great value of money, extreme warm and good support, extremely easy to use without the need for any training or support intervention, Payment using Zoho to our vendors is so good, it cannot be overemphasized.

It helps me keep my finances organized and makes my accounting tasks easier.

Intern

Zoho Books doesn't have built-in payroll features and relies on third-party integrations, which might not be as seamless or comprehensive.

Zoho Books vs Sage 100 Comparison (2026)

Zoho Books

Sage 100

Overview

Video & Screenshots

Pricing

User reviews

Key features

Integrations

Alternatives