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Adyen vs Zoho Books

Adyen logo

Adyen

Software

The payments platform built for growth

From
$29/month
Rated
-
Full reviewWebsite
Zoho Books logo

Zoho Books

Software

Simple, smart accounting software for growing businesses

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Zoho Books has a free tier, so it costs nothing to try first.
  • Each has a real cost: Adyen there is a minimum monthly invoice, set by industry and business model and only disclosed through the sales team, so small volumes are not economic; Zoho Books payroll only available in Texas and California, limiting US usefulness
  • They diverge on capability: Adyen covers Payment processing, Zoho Books covers Invoicing.

Where they differ

Only the attributes on which Adyen and Zoho Books actually diverge.

Attributes where Adyen and Zoho Books differ
AttributeAdyenZoho Books
Starting price$29/monthFree
Pricing modelusage-basedUnknown
Free tierNoYes
PlatformsWeb, Api, PosWeb, iOS, Android
Founded20061996

Identical on both: user rating (Not yet rated), category (Unknown).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Adyen

  • Payment processing
  • Risk management
  • Unified commerce
  • Issuing
  • Platform payments
  • SAP
  • Salesforce
  • Oracle

Only in Zoho Books

  • Invoicing
  • Expense tracking
  • Bank reconciliation
  • Financial reports
  • Tax compliance
  • Zoho CRM
  • PayPal
  • Stripe

Both cover

  • SOC 2
  • Web support

What people use each for

The jobs each tool is most often brought in to do.

Adyen

  • Card acquiring with interchange plus pricing for larger merchantsnot Zoho Books
  • Accepting local payment methods across multiple countriesnot Zoho Books
  • Settling in several currencies through linked bank accountsnot Zoho Books
  • Unified online and in-person paymentsnot Zoho Books

Zoho Books

  • Invoicingnot Adyen
  • Expense managementnot Adyen
  • Tax preparationnot Adyen

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Adyen

  • There is a minimum monthly invoice, set by industry and business model and only disclosed through the sales team, so small volumes are not economic
  • Published fees are indicative rather than a rate card, with real pricing negotiated
  • Interchange++ means the card cost varies per transaction rather than being a single predictable percentage
  • Alternative payment methods carry their own rates on top, such as 3.3 percent plus $0.10 for American Express in North America

Zoho Books

  • Payroll only available in Texas and California, limiting US usefulness
  • Limited access to historical financial data compared to competitors
  • Customer support is slow with long response times and frustrating workarounds
  • Fewer integrations than QuickBooks Online and Xero
  • User limit restrictions (1-15 depending on plan) compared to Xero's unlimited users
  • Occasional inaccuracies in automatic exchange rate updates for international transactions

Pricing, plan by plan

Adyen

$29/month
  • CustomFree
    • Payment processing
    • Risk management
    • Unified commerce

Zoho Books

Free
  • FreeFree
    • 1 user + accountant
    • Unlimited invoices
  • Standard$20/month
    • 3 users
    • Core accounting
  • Professional$60/month
    • 5 users
    • Advanced reporting
  • Premium$120/month
    • 10 users
    • Inventory management

Which should you pick?

Choose Adyen if

  • You need payment processing.
  • You work on Web, Api, Pos.
  • You also want risk management.
Adyen review

Choose Zoho Books if

  • You need invoicing.
  • You want to start without paying.
  • You work on Web, iOS, Android.
  • You also want expense tracking.
Zoho Books review

Questions people ask

Is Adyen or Zoho Books better?
Neither clearly leads. Adyen starts at $29/month and Zoho Books at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Adyen or Zoho Books?
Zoho Books has a free tier; the other does not. Paid plans start at $29/month for Adyen and Free for Zoho Books.
Does Adyen or Zoho Books run on more platforms?
Adyen runs on Web, Api, Pos. Zoho Books runs on Web, iOS, Android.
Can I use Zoho Books for free?
Yes. Zoho Books has a free tier, so you can try it without paying. Adyen starts at $29/month.
What is Adyen best used for?
Adyen is most often used for card acquiring with interchange plus pricing for larger merchants, accepting local payment methods across multiple countries, settling in several currencies through linked bank accounts, unified online and in-person payments. Of those, card acquiring with interchange plus pricing for larger merchants and accepting local payment methods across multiple countries are not what Zoho Books is typically brought in for.
What can Adyen do that Zoho Books cannot?
Adyen covers Payment processing, Risk management, Unified commerce, Issuing. Zoho Books covers Invoicing, Expense tracking, Bank reconciliation, Financial reports. Both handle SOC 2, Web support.

Answered from the vendors’ own pages

Zoho Books: Does Zoho Books support payroll?

Zoho Books offers limited payroll integration available only in Texas and California currently. Outside these states, users must use separate payroll software.

Source
Zoho Books: How many users can access one account?

User limits vary by plan: Free tier (1 user + accountant), Standard (3 users), Professional (5 users), Premium (10 users), Elite (15 users). Each business requires separate subscription.

Source
Zoho Books: What integrations does Zoho Books support?

Zoho Books integrates with Shopify, WooCommerce, Razorpay, PayPal, Stripe, Salesforce, Google Sheets, and 500+ apps via Zapier. It integrates with other Zoho products like Zoho Inventory and Zoho Projects.

Source
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