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Software · head to head

Razorpay vs Zoho Books

R

Razorpay

Software

Accept, process and disburse payments with India's leading payments platform

From
On request
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: Razorpay international card payments cost up to 3% per transaction versus 2% domestically, per razorpay.com/pricing (Aug 2026), and an 18% GST is added on top of the platform fee; Zoho Books payroll only available in Texas and California, limiting US usefulness

Where they differ

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

Attributes where Razorpay and Zoho Books differ
AttributeRazorpayZoho Books
Starting priceOn requestFree
Pricing modeltransactionUnknown
Free tierNoYes
PlatformsWebWeb, iOS, Android
FoundedUnknown1996

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 Razorpay

Nothing recorded that Zoho Books does not also cover.

Only in Zoho Books

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

What people use each for

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

Razorpay

No use cases recorded yet. See the Razorpay review.

Zoho Books

  • Invoicingnot Razorpay
  • Expense managementnot Razorpay
  • Tax preparationnot Razorpay

Where each one falls short

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

Razorpay

  • International card payments cost up to 3% per transaction versus 2% domestically, per razorpay.com/pricing (Aug 2026), and an 18% GST is added on top of the platform fee
  • Instant refunds cost between Rs. 7.99 and Rs. 14.99 per refund on top of the transaction fee, per Razorpay's own pricing page; standard refunds are free but instant ones are not

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

Razorpay

On request

No published plan breakdown. See the Razorpay review.

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 Razorpay if

Nothing in the data separates Razorpay from Zoho Books on the points above - pick on price and on how each one feels to use.

Razorpay 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 Razorpay or Zoho Books better?
Neither clearly leads. Razorpay starts at On request and Zoho Books at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Razorpay or Zoho Books?
Zoho Books has a free tier; the other does not. Paid plans start at On request for Razorpay and Free for Zoho Books.
Does Razorpay or Zoho Books run on more platforms?
Razorpay runs on Web. 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. Razorpay starts at On request.
What can Razorpay do that Zoho Books cannot?
Zoho Books covers Invoicing, Expense tracking, Bank reconciliation, Financial reports.

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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Related pages

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