Software · head to head
Zoho Books vs Adyen
Zoho Books
Software
Simple, smart accounting software for growing businesses
- From
- Free
- Rated
- -
The short version
- Only Zoho Books has a free tier, so it costs nothing to try first.
- Each has a real cost: Zoho Books payroll only available in Texas and California, limiting US usefulness; 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
- They diverge on capability: Zoho Books covers Invoicing, Adyen covers Payment processing.
Where they differ
Only the attributes on which Zoho Books and Adyen actually diverge.
| Attribute | Zoho Books | Adyen |
|---|---|---|
| Starting price | Free | $29/month |
| Pricing model | Unknown | usage-based |
| Free tier | Yes | No |
| Platforms | Web, iOS, Android | Web, Api, Pos |
| Founded | 1996 | 2006 |
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 Zoho Books
- Invoicing
- Expense tracking
- Bank reconciliation
- Financial reports
- Tax compliance
- Zoho CRM
- PayPal
- Stripe
Only in Adyen
- Payment processing
- Risk management
- Unified commerce
- Issuing
- Platform payments
- SAP
- Salesforce
- Oracle
Both cover
- SOC 2
- Web support
What people use each for
The jobs each tool is most often brought in to do.
Zoho Books
- Invoicingnot Adyen
- Expense managementnot Adyen
- Tax preparationnot Adyen
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
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
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
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
Pricing, plan by plan
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
Adyen
$29/month- CustomFree
- Payment processing
- Risk management
- Unified commerce
Which should you pick?
Choose Zoho Books if
- You need invoicing.
- You want to start without paying.
- You work on Web, iOS, Android.
- You also want expense tracking.
Choose Adyen if
- You need payment processing.
- You work on Web, Api, Pos.
- You also want risk management.
Questions people ask
- Is Zoho Books or Adyen better?
- Neither clearly leads. Zoho Books starts at Free and Adyen at $29/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Zoho Books or Adyen?
- Zoho Books has a free tier; the other does not. Paid plans start at Free for Zoho Books and $29/month for Adyen.
- Does Zoho Books or Adyen run on more platforms?
- Zoho Books runs on Web, iOS, Android. Adyen runs on Web, Api, Pos.
- 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 Zoho Books best used for?
- Zoho Books is most often used for invoicing, expense management, tax preparation. Of those, invoicing and expense management are not what Adyen is typically brought in for.
- What can Zoho Books do that Adyen cannot?
- Zoho Books covers Invoicing, Expense tracking, Bank reconciliation, Financial reports. Adyen covers Payment processing, Risk management, Unified commerce, Issuing. 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.
SourceZoho 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.
SourceZoho 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