Zoho Books vs Puzzle

Two accounting tools side by side. Prices are the starting plan a small business would pick, in USD.

Compare	Zoho BooksZoho	PuzzlePuzzle
In one line	Free for small revenue, strong with the Zoho suite	Accounting for startups that live in Stripe and a neobank
Starting price	Free	From $30/mo
Six-person team	$0/mo	$30/mo
Plans	Free under $50k revenue; Standard $15/mo; Professional $40/mo; Premium $60/mo; Elite $120/mo; Ultimate $240/mo (billed annually)	Starter $30/mo monthly or $24/mo billed yearly (1 seat); Core $72/mo monthly or $58/mo billed yearly (5 seats); Complete $120/mo (unlimited seats); Scale $360/mo
Pricing model	Free tier	Free trial
Free trial	—	60 days
Users	1 on free; 3 on Standard	1 on Starter; 5 on Core
Both connect to	Stripe Invoicing, Ramp
Also connects to	Square POS, Helcim, Zoho Expense, PayPal Invoicing, Wise Business, Payoneer Workforce Management	Rippling, Deel, Mercury, BILL, Brex, Rho
Team size	Just me · 2–10 people · 11–50 people	Just me · 2–10 people
Available in	US · UK · CA · AU	US
Phone support	Standard and up	None listed
Live chat	Standard and up	Plans not stated
Support hours	Email: Monday to Friday, 9 am to 9 pm ET · Phone: Mon- Fri ( 9:00AM to 9:00PM ET )	Not published
Incidents posted	Zoho has a public status page. Status page	We found no public status page for Puzzle.
Capterra score	4.4 / 5 from 681 reviews	See reviews on Capterra
Trustpilot score	Not listed	3.2 / 5 from 1 reviews (few reviews)
Fit: Retail shop	66	25
Fit: Restaurant or café	55	15
Fit: Service business	75	75
Fit: Agency or studio	72	82
Fit: Trades or contractor	65	30
Fit: Online store	70	55
Why people pick it	Generous free tier Deep Zoho ecosystem	Cash and accrual books at once Strong startup integrations
Where it falls short	Fewer accountants know it UI is dense	No inventory Built for US startups, not local shops
	Visit Zoho Books ↗	Visit Puzzle ↗

Six-person prices are what a team of six would pay on the published plans; "Not listed" means those plans don't cover six. How we calculate prices