BILL vs Zoho Invoice
Two invoicing & payments tools side by side. Prices are the starting plan a small business would pick, in USD.
Short version
Zoho Invoice costs less for a six-person team.
BILL fits retail shop, restaurant or café, online store.- Zoho Invoice fits service business, trades or contractor.
- BILL suits teams past ten people.
| Compare | BILLBILL Holdings | Zoho InvoiceZoho |
|---|---|---|
| In one line | Accounts payable and receivable with approval workflows | Free invoicing with quotes, time tracking, and a client portal |
| Starting price | From $49/person | Free for 2 users |
| Six-person team | $294/mo | $0/mo |
| On $10,000 of card sales | $339/mo | Your own card processor |
| Plans | Essentials $49/user/mo; Team $65/user/mo; Corporate $89/user/mo; customer card payments 2.9%; ACH payments $0.59 each | Free; up to 500 invoices/yr and 2 users; card fees from your payment provider |
| Pricing model | Free trial | Free |
| Free trial | — | — |
| Users | Per user | Up to 2 |
| Both connect to | QuickBooks Online | |
| Also connects to | Xero, Puzzle, Kick35+ listed by the vendor | No others on record55+ listed by the vendor |
| Team size | 11–50 people · 51–200 people | Just me · 2–10 people |
| Available in | US | US · UK · CA · AU |
| Phone support | Every plan; Enterprise only | Every plan |
| Live chat | Every plan | None listed |
| Support hours | Live chat: Monday–Friday: 5 am to 6 pm PT; Saturday–Sunday: 6 am to 3 pm PT | Email: 24/5 · Phone: 24/5 |
| Incidents posted | 0 incidents posted on BILL Holdings's status page, which covers all BILL Holdings products and regions, in the 90 days to Oct 27, 2026. Status page | Zoho has a public status page. Status page |
| Capterra score | 4.1 / 5 from 563 reviews | 4.7 / 5 from 823 reviews |
| Trustpilot score | 1.6 / 5 from 1,677 reviews | Not listed |
| Fit: Retail shop | 50 | 35 |
| Fit: Restaurant or café | 45 | 25 |
| Fit: Service business | 75 | 88 |
| Fit: Agency or studio | 80 | 85 |
| Fit: Trades or contractor | 65 | 80 |
| Fit: Online store | 60 | 35 |
| Why people pick it |
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| Where it falls short |
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| Visit BILL | Visit Zoho Invoice | |
Six-person prices are what a team of six would pay on the published plans; "Not listed" means those plans don't cover six. Card sales costs include the plan price and card fees at US rates, at a $500 average sale. How we calculate prices
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