We ran the free plan for the whole first year because we were under the revenue threshold. Not a trial, not a countdown, just free until the business was big enough to pay. When we crossed it the paid plan was twenty dollars. That is a very different experience from being pushed off a cliff at day thirty.
Pros
Custom workflow rules that a non technical owner can build
Cons
Fewer US accountants know it than QuickBooks
Ease of use
Value for money
Customer service
Functionality
15 found this helpful
Gregory Rowan
Chief of Staff, Blackstone Contracting
United States·Hospitality·1 to 10 employees
1.0
Jul 11, 2025
Verified userLinkedIn confirmedUsed 2 or more years
Support answers slowly and generically
Bringing four years of history across from QuickBooks took a weekend and a lot of manual correction. Opening balances came in wrong, and some vendor records duplicated. It has been solid since, and I would budget real time for the move rather than believing the import wizard.
Pros
Custom workflow rules that a non technical owner can build
Cons
The mobile app lags well behind the browser product
Ease of use
Value for money
Customer service
Functionality
Response from the vendorJul 13, 2025
Thank you for the feedback. Slow first responses are not the standard we aim for and we have shared your note with our support leadership. If your ticket is still open please reply asking for escalation and it will be routed to a senior specialist.
15 found this helpful
Elena Bhatt
Director of Finance, Bluewater Consulting
United States·Hospitality·1 to 10 employees
3.0
Jun 4, 2025
Verified userLinkedIn confirmedUsed 1 to 2 years
Sales tax covers the basics only
Zoho Payroll exists and does not cover our state, so we run Gusto alongside it. The integration is fine and it is still two systems and two bills. If you want one vendor for books and payroll, check your state before you commit rather than after.
Pros
Multi currency handled properly at no extra cost
Cons
Some features assume you run the wider Zoho suite
Ease of use
Value for money
Customer service
Functionality
15 found this helpful
Esther Velazquez
Practice Manager, Cedar & Vine Interiors
United States·Nonprofit·11 to 50 employees
5.0
Mar 20, 2025
Verified userUsed 2 or more years
Our accountant came around in a month
The client portal was an accident of buying it and turned out to be the thing customers comment on. They log in, see every invoice and statement, and pay by card without emailing me for a copy. I used to spend an hour a week resending documents.
Pros
A genuine free plan under fifty thousand dollars of revenue
Cons
The mobile app lags well behind the browser product
Ease of use
Value for money
Customer service
Functionality
15 found this helpful
Emilio Desai
Operations Manager, Tidewater Marine Services
United States·Financial services·1 to 10 employees
5.0
Jun 21, 2026
Verified userUsed 1 to 2 years
The client portal ended the invoice copy emails
We came off a spreadsheet and expected to compromise somewhere. Two years in I still have not found the compromise. Bank feeds are stable, reconciliation rules learned our vendors, and the reports my accountant asks for come straight out. For twenty dollars a month I keep expecting the other shoe.
Pros
Multi currency handled properly at no extra cost
Cons
US payroll only covers a limited set of states
Ease of use
Value for money
Customer service
Functionality
14 found this helpful
Julia Acheson
VP of Sales, Prairie Rose Bakery
United States·Construction·201 to 500 employees
4.0
May 5, 2026
Verified userUsed 2 or more years
I kept waiting to find what was missing
We came off a spreadsheet and expected to compromise somewhere. Two years in I still have not found the compromise. Bank feeds are stable, reconciliation rules learned our vendors, and the reports my accountant asks for come straight out. For twenty dollars a month I keep expecting the other shoe.
Pros
A genuine free plan under fifty thousand dollars of revenue
Cons
US payroll only covers a limited set of states
Ease of use
Value for money
Customer service
Functionality
14 found this helpful
Christopher Ishikawa
Accountant, Bluewater Consulting
United States·Transport and logistics·11 to 50 employees
4.0
Oct 21, 2025
Verified userLinkedIn confirmedUsed 1 to 2 years
The client portal ended the invoice copy emails
Our accountant pushed back hard at first because she is a QuickBooks person. She spent a month in it and now says the reporting is better. She still charges us slightly more for working outside her usual system and it is worth it.
Pros
Client portal with card payment included
Cons
Some features assume you run the wider Zoho suite
Ease of use
Value for money
Customer service
Functionality
14 found this helpful
Hugo Eberhardt
Bookkeeper, Foundry Road Studios
United States·Transport and logistics·51 to 200 employees
1.0
Sep 17, 2025
Verified userLinkedIn confirmedUsed 2 or more years
Support answers slowly and generically
First reply took two days and asked for information I had already sent in the original ticket. The second reply was a help article link. We got there eventually and for a blocking issue during a close that was a bad week.
Pros
Custom workflow rules that a non technical owner can build
Cons
Sales tax will not solve multi state nexus alone
Ease of use
Value for money
Customer service
Functionality
14 found this helpful
Gordon Rooney
Owner, Falcon Ridge Landscaping
United States·Education·1 to 10 employees
5.0
May 7, 2025
Verified userUsed less than 6 months
Multi currency without a surcharge
Purchase orders, sales orders and inventory arrived on Professional and covered everything we needed when we started carrying stock. I had budgeted for moving to a different product entirely at that point and did not have to.
Pros
Open API available on affordable plans
Cons
US payroll only covers a limited set of states
Ease of use
Value for money
Customer service
Functionality
14 found this helpful
Vanessa Whitaker
Director of Finance, Hillcrest Family Clinic
United States·Marketing·1 to 10 employees
5.0
May 3, 2025
LinkedIn confirmedUsed 1 to 2 years
I kept waiting to find what was missing
Purchase orders, sales orders and inventory arrived on Professional and covered everything we needed when we started carrying stock. I had budgeted for moving to a different product entirely at that point and did not have to.
Pros
Custom workflow rules that a non technical owner can build
Cons
Fewer US accountants know it than QuickBooks
Ease of use
Value for money
Customer service
Functionality
14 found this helpful
Grace Serrano
Sales Director, Bluewater Consulting
Canada·Software·11 to 50 employees
3.0
May 2, 2025
Verified userLinkedIn confirmedUsed 6 to 12 months
Payroll is the gap you will hit
Every few months I hit a feature that clearly assumes you also run Zoho CRM or Zoho Inventory. Nothing is broken, it just keeps gently suggesting the rest of the suite. If you want the whole thing that is a benefit and if you do not it is background noise.
Pros
The feature to price ratio is not close to anything else here
Cons
Fewer US accountants know it than QuickBooks
Ease of use
Value for money
Customer service
Functionality
14 found this helpful
Nina Choi
Director of Finance, Silverbirch Accounting
United States·Healthcare·1 to 10 employees
4.0
Feb 25, 2025
Used less than 6 months
Free until we hit fifty thousand, then twenty dollars
Our accountant pushed back hard at first because she is a QuickBooks person. She spent a month in it and now says the reporting is better. She still charges us slightly more for working outside her usual system and it is worth it.
Pros
Client portal with card payment included
Cons
Some features assume you run the wider Zoho suite
Ease of use
Value for money
Customer service
Functionality
14 found this helpful
Patrick Kessler
Director of Finance, Cedar & Vine Interiors
United States·Legal·1 to 10 employees
4.0
Jun 30, 2026
Verified userLinkedIn confirmedUsed 6 to 12 months
The client portal ended the invoice copy emails
We ran the free plan for the whole first year because we were under the revenue threshold. Not a trial, not a countdown, just free until the business was big enough to pay. When we crossed it the paid plan was twenty dollars. That is a very different experience from being pushed off a cliff at day thirty.
Pros
Open API available on affordable plans
Cons
Some features assume you run the wider Zoho suite
Ease of use
Value for money
Customer service
Functionality
13 found this helpful
Nathaniel Yates
Controller, Hillcrest Family Clinic
United States·Professional services·1 to 10 employees
3.0
Jun 21, 2026
Verified userUsed 1 to 2 years
Payroll is the gap you will hit
Sales tax tracking handles the straightforward case well. Economic nexus across a dozen states is not something it solves on its own and we ended up adding Avalara. Fine, expected at this price, worth knowing.
Pros
Open API available on affordable plans
Cons
Some features assume you run the wider Zoho suite
Ease of use
Value for money
Customer service
Functionality
Response from the vendorJun 30, 2026
Thank you for the feedback. Slow first responses are not the standard we aim for and we have shared your note with our support leadership. If your ticket is still open please reply asking for escalation and it will be routed to a senior specialist.
13 found this helpful
Christopher Fontaine
Accountant, Maplewood Childcare
United States·Retail·11 to 50 employees
5.0
Apr 28, 2025
Verified userUsed 2 or more years
Free until we hit fifty thousand, then twenty dollars
Multi currency is included rather than gated. We invoice a Toronto client in Canadian dollars and a London one in pounds, the exchange rates update automatically, and the gain and loss postings are right without me thinking about them.
Pros
Custom workflow rules that a non technical owner can build
Cons
Some features assume you run the wider Zoho suite
Ease of use
Value for money
Customer service
Functionality
13 found this helpful
Kimberly Thornton
Head of Operations, Sandbar Hospitality
United States·Manufacturing·51 to 200 employees
5.0
Feb 20, 2025
Verified userLinkedIn confirmedUsed 1 to 2 years
The automation does work I used to do by hand
We ran the free plan for the whole first year because we were under the revenue threshold. Not a trial, not a countdown, just free until the business was big enough to pay. When we crossed it the paid plan was twenty dollars. That is a very different experience from being pushed off a cliff at day thirty.
Pros
The feature to price ratio is not close to anything else here
Cons
Sales tax will not solve multi state nexus alone
Ease of use
Value for money
Customer service
Functionality
13 found this helpful
Trisha Lin
Bookkeeper, Willow & Ash Salons
United States·Manufacturing·11 to 50 employees
5.0
Jan 8, 2025
Verified userLinkedIn confirmedUsed 6 to 12 months
Multi currency without a surcharge
The API is on the plan we already pay for, which is not true of most competitors. Our developer had our internal job system posting invoices into Books in about two days.
Pros
Client portal with card payment included
Cons
US payroll only covers a limited set of states
Ease of use
Value for money
Customer service
Functionality
13 found this helpful
Preston Escobar
Chief of Staff, Hillcrest Family Clinic
United States·Nonprofit·500+ employees
5.0
Jul 24, 2024
LinkedIn confirmedUsed 6 to 12 months
Multi currency without a surcharge
The workflow rules are the part nobody mentions in comparisons. When an invoice goes thirty days past due it tags the customer, emails a reminder and notifies me, and I built that in about ten minutes without help. That single rule has done more for our cash flow than any conversation I have had with a client.
Pros
The feature to price ratio is not close to anything else here
Cons
Fewer US accountants know it than QuickBooks
Ease of use
Value for money
Customer service
Functionality
13 found this helpful
Talia Laroche
Accountant, Beacon Legal Partners
Other·Accounting·51 to 200 employees
4.0
Jun 15, 2026
Verified userLinkedIn confirmedUsed 6 to 12 months
Better reporting than the price implies
We ran the free plan for the whole first year because we were under the revenue threshold. Not a trial, not a countdown, just free until the business was big enough to pay. When we crossed it the paid plan was twenty dollars. That is a very different experience from being pushed off a cliff at day thirty.
Pros
Client portal with card payment included
Cons
Some features assume you run the wider Zoho suite
Ease of use
Value for money
Customer service
Functionality
12 found this helpful
Deepa Salazar
Controller, Willow & Ash Salons
United States·Legal·1 to 10 employees
5.0
Jul 18, 2025
LinkedIn confirmedUsed 1 to 2 years
It grew with us from two people to eleven
The workflow rules are the part nobody mentions in comparisons. When an invoice goes thirty days past due it tags the customer, emails a reminder and notifies me, and I built that in about ten minutes without help. That single rule has done more for our cash flow than any conversation I have had with a client.
Pros
A genuine free plan under fifty thousand dollars of revenue
United States
Canada