Zoho Books vs ZipBooks

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

Compare	Zoho BooksZoho	ZipBooksZipBooks
In one line	Free for small revenue, strong with the Zoho suite	Free invoicing and books, with paid plans for small teams
Starting price	Free	Free for 1 user
Six-person team	$0/mo	$0/mo
Plans	Free under $50k revenue; Standard $15/mo; Professional $40/mo; Premium $60/mo; Elite $120/mo; Ultimate $240/mo (billed annually)	Starter free (unlimited invoices, 1 bank account); Smarter $15/mo (5 team members, recurring invoices, time tracking); Sophisticated $35/mo (unlimited users, reconciliation); billed monthly
Pricing model	Free tier	Free tier
Free trial	—	30 days
Users	1 on free; 3 on Standard	1 on Starter; 5 on Smarter
Both connect to	Square POS, Stripe Invoicing, PayPal Invoicing
Also connects to	Ramp, Helcim, Zoho Expense, Wise Business, Payoneer Workforce Management	Gusto
Team size	Just me · 2–10 people · 11–50 people	Just me · 2–10 people
Available in	US · UK · CA · AU	US · UK · CA · AU
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 )	Live chat: Mon-Fri 8am-4pm MT
Incidents posted	Zoho has a public status page. Status page	We found no public status page for ZipBooks.
Capterra score	4.4 / 5 from 681 reviews	4.5 / 5 from 115 reviews
Trustpilot score	Not listed	3.5 / 5 from 3 reviews (few reviews)
Fit: Retail shop	66	55
Fit: Restaurant or café	55	45
Fit: Service business	75	85
Fit: Agency or studio	72	75
Fit: Trades or contractor	65	72
Fit: Online store	70	45
Why people pick it	Generous free tier Deep Zoho ecosystem	Free plan with unlimited invoices 30-day trial without a card
Where it falls short	Fewer accountants know it UI is dense	Reconciliation only on the $35 plan No inventory tracking
	Visit Zoho Books ↗	Visit ZipBooks ↗

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