Zoho Books vs ZarMoney

QuickBooks Enterprise

QuickBooks Online

FreshBooks

Wave

Odoo 

QuickBooks Online Advanced

Compare Zoho Books and ZarMoney based on features, pricing, verified reviews, integrations & more on GetApp. Find out which software is best for your business in 2026.

FreshBooks is accounting software that helps small business perform accounting tasks, conduct invoicing, manage expenses, and more.

Wave is an integrated solution designed for small businesses. With our automatic bank connections, information flows into Wave, without manual entry. Users can collaborate with accountants or bookkeepers in real-time.

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.

Zoho Books is an online accounting software designed to streamline back office operations, automate workflows, and allow secure collaboration with accountants

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

Project Management

Projections

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 & Statistics

Reporting/Analytics

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

Time Tracking

Timesheet Management

Transaction Management

Trust Accounting

Vendor Management

Workflow Management

Zoho Books

Android

Web-based

Windows

iPad

iPhone

Owner, Editor, and Writer

I also like that I can attach receipts to my expenses. I'm very thankful for Zoho Books and hope they continue to meet the needs of sole proprietors like me.

To conclude, Zoho Books is easy to understand and its configuration is quick and easy. The automation of the system is great and you save a lot of time.

Attorney

That said, the Zoho family of products are solid, so if you have need for an accounting product and you are familiar with accounting software, this product would be  a great choice.

Sales and Customer Relations Assistant

Simple, handy software with nice visual graphics: data is accessible and easy to share with other users and specialists.

Senior Consultant

What i liked the most about this software is that is very easy to use and to customize it for you own purpose.

independent contractor

Cost and the ability to build your own integration tools. Compared to other options (unnamed here, but you know who they are), it is VERY cost efficient and effective.

Owner

The payment plans are a little frustrating. The limits are on the number of contacts and as a business with lots of contacts and only one transaction often per contact it gets really expensive.

Manager

Zoho Books has been great for our business. Helps us keep everything in order with our business finances.

Great value for money and great quality software.

Founder

Ease of use, it has all the features I was looking for in an accounting application. The security is another factor I like Zoho Books.

Bad automatic matching, paypal multi-currency feed all over the place.

Administrative Clerk

The another problem of this software is that this software is very difficult for the new users and it is not so easy to learn how to handle our accounts and invoices.

The product is stable, and the company offers solid tech support.

ICT Director

It links with multiple finance and backing systems including local banks making it pretty easy to work with.

Web Developer

This is the best bang for buck you can get if you are a startup, an independent freelancer or just need invoicing to start. There is no other system comparable with Zoho at this price point.

Head Of Operations

You can integrate easily with other tools, manage your invoices and reimbursements easily using zoho books. Me and my team are really satisfied.

Implementation & Support Specialist

The weekly log does not allow us to enter our comments and it gets frustrating to open each day entry and enter the comments.

The customer support is also very responsive and usually fixes your worries.

Zoho Books screenshot: Zoho Books see details of income and expenditure

Zoho Books screenshot: Zoho Books send customized statements to clients

Zoho Books screenshot: Zoho Books validate and approve invoices


Zoho Books screenshot: Zoho Books  connect bank accounts and fetch bank transactions

Zoho Books screenshot: Zoho Books view dashboards, reports and charts

Zoho Books screenshot: Zoho Books  keep track of every billable minute with timesheets

Zoho Books screenshot: Zoho Books generate bills to track payments


Zoho Books screenshot: Zoho Books integration with payment gateways

Freelancers

Large Enterprises

Mid Size Business

Non Profit

Public Administrations

Small Business

QuickBooks Online Advanced is a web-based accounting & business management solution which enables small businesses to track sales, inventory, financial accounts & payroll from a single dashboard

QuickBooks Desktop Enterprise is an accounting software for small businesses which provides users with real-time access to customer, employee, and vendor information. The software includes tools for managing inventory, shipping, sales orders, pricing, tasks, invoicing, reporting, and more.

Odoo is an all-in-one, open-source business platform covering CRM, Sales, Accounting, Inventory, Manufacturing, and Projects. It’s fully integrated, customizable, and scalable for companies of any size or budget.

ZarMoney is a cloud-based accounting solution designed to assist businesses of all sizes with the management of inventory and finances. Key features include team collaboration, quote generation, invoicing, transaction tracking, remote access, and approval workflows.

1099 Preparation

Access Controls/Permissions

Accounting Integration

Activity Dashboard

Aging Tracking

Alerts/Notifications

Approval Workflow

Check Printing

Check Processing

Check Writing

Collaboration Tools

Contingency Billing

Credit Card Processing

Customizable Reports

Document Management

Document Storage

Duplicate Payment Alert

Email Management

Email Reminders

For Religious Organizations

Fraud Detection

Fund Accounting

Multi-Location

Overpayment Processing

Recurring Invoicing

Revenue Recognition

Search/Filter

Status Tracking

ZarMoney

Linux

ZarMoney is very easy to use and perfect for my small businesses. They quickly answered any questions I had although it was so fast and easy to setup so I didn't need much help.

President

It has been a very good transistion from QB desktop. Staff and sales are great.

I have been glad to see they are readily available to help if I have questions.

OWNER

WHEN I SIGNED UP I SAID I WAS A CASH BASIS COMPANY AND THEY DID NOT WARN ME THAT NO SUCH REPORTING WAS AVAILABLE.

Zoho Books vs ZarMoney Comparison (2026)

Zoho Books vs ZarMoney Comparison (2026)

Zoho Books

ZarMoney

Overview

Video & Screenshots

Pricing

User reviews

Key features

Integrations

Alternatives