Zoho Invoice vs PayPal Invoicing

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

Compare	Zoho InvoiceZoho	PayPal InvoicingPayPal
In one line	Free invoicing with quotes, time tracking, and a client portal	Invoices clients can pay with PayPal, Venmo, or card
Starting price	Free for 2 users	Free
Six-person team	$0/mo	$0/mo
On $10,000 of card sales	Your own card processor	$309/mo
Plans	Free; up to 500 invoices/yr and 2 users; card fees from your payment provider	No monthly fee; PayPal or Venmo 3.49% + 49¢; cards 2.99% + 49¢; +1.5% international
Pricing model	Free	Free
Free trial	—	—
Users	Up to 2	Unlimited
Both connect to	QuickBooks Online
Also connects to	No others on record55+ listed by the vendor	Xero, Zoho Books, Akaunting, ZipBooks
Team size	Just me · 2–10 people	Just me · 2–10 people
Available in	US · UK · CA · AU	US · UK · CA · AU
Phone support	Every plan	Plans not stated
Live chat	None listed	Every plan
Support hours	Email: 24/5 · Phone: 24/5	Not published
Incidents posted	Zoho has a public status page. Status page	PayPal has a public status page. Status page
Capterra score	4.7 / 5 from 823 reviews	4.7 / 5 from 595 reviews
Fit: Retail shop	35	35
Fit: Restaurant or café	25	20
Fit: Service business	88	80
Fit: Agency or studio	85	75
Fit: Trades or contractor	80	75
Fit: Online store	35	60
Why people pick it	Free with no invoice fees Time tracking included	Clients trust and already use PayPal No monthly fee
Where it falls short	500 invoices a year cap Two users only	Higher fees than Stripe or Square Account holds are a known risk
	Visit Zoho Invoice ↗	Visit PayPal Invoicing ↗

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