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Visa Acceptance Solutions (CyberSource) vs. Zoho Billing

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    Overview
    ProductRatingMost Used ByProduct SummaryStarting Price

    Visa Acceptance Solutions (CyberSource)

    Score10 out of 10
    N/ACyberSource, acquired by Visa in 2010 and now part of Visa Acceptance Solutions, is payment technology, and includes offerings with flexible payment solutions that work across the globe.N/A

    Zoho Billing

    Score7.9 out of 10
    N/AZoho Billing is a comprehensive billing management solution designed to facilitate one-time invoicing, recurring billing, Subscription Management, and multi-model usage-based billing. The platform automates the entire Quote-to-Cash (Q2C) cycle, ranging from plan configuration to payment collection, revenue recognition, and financial reporting. Zoho Billing functions as a revenue management platform engineered to manage every stage of the Q2C process within a unified…

    $25

    per month per organization (billed annually)

    Pricing
    Visa Acceptance Solutions (CyberSource)Zoho Billing
    Editions & Modules
    No answers on this topic
    Standard
    $25
    per month per organization (billed annually)
    Premium
    $59
    per month per organization (billed annually)
    Enterprise Edition
    Custom
    Offerings
    Pricing Offerings
    Visa Acceptance Solutions (CyberSource)Zoho Billing
    Free Trial
    NoYes
    Free/Freemium Version
    NoNo
    Premium Consulting/Integration Services
    NoNo
    Entry-level Setup FeeNo setup feeNo setup fee
    Additional Details——
    More Pricing Information
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    User Ratings
    Visa Acceptance Solutions (CyberSource)Zoho Billing
    Likelihood to Recommend
    6.5
    (8 ratings)
    6.0
    (3 ratings)
    Usability
    -
    (0 ratings)
    6.0
    (1 ratings)
    User Testimonials
    Visa Acceptance Solutions (CyberSource)Zoho Billing
    Likelihood to Recommend
    Visa
    For basic users it is probably a good fit. For connecting it's API's are straightforward and most would find it an easy connection to be made. The site overall is just not designed well. When you try to look at transactions a portion of the information is cut of without a scroll bar being added to slide to the fields you would like to see. If you need to see the data on the screen you need to make some adjustments.
    Incentivized
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    Zoho
    [Zoho Subscriptions is great] for startup agencies or businesses that charge monthly subscriptions of some kind. For most other [softwares,] you are paying at least $100 per month just to have the software. Zoho [Subscriptions] gives you the chance to take advantage of starting at [zero dollars,] which keeps your cost down until you understand the software before you have to upgrade. I feel like you can easily bootstrap your startup business to keep costs down. As you [are] moving forward, and are bringing in several thousand per month in revenue, it can scale up without costing a lot. [The subscriptions] [...] [start] to cost more, [...] if you have one time payments; you then need additional software from Zoho [Subscriptions] to handle the needs, and it starts adding up to typical [back- end] management software, with multiple log in points which start to drain your time budget. [At] that point, I ended up looking for a more all in one software that manages both contacts, one time and recurring invoices, reminders, etc. By the time our revenue exceeded [$5,000] per month[,] I [needed] to save time and looked for other options. [However,] I have other friends who still use it and they are generating $10k or more per month.
    Incentivized
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    Pros
    Visa
    • They have built the connections to multiple card providers so that a retailer does not need to build the code for each one separately.
    • The decision manager product catches and stops a lot of fraud from getting through and causing a large number or chargebacks.
    • They also connect to PayPal making it easy to add them to any website as a payment method.
    Incentivized
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    Zoho
    • Integrating with other ZoHo modules
    • Pricing
    Read full review
    Cons
    Visa
    • fees- competitive, but budget for them
    • price transparency- it's hard to know exactly what you're being charged for. We are charged a small % of each incoming payment batch, so AR reconciliation is more difficult
    • implementation- significant time and expertise required to get everything up and running smoothly
    Incentivized
    Read full review
    Zoho
    • Declined payments, there wasn't a big alarm that went off automatically when a payment was declined. I have set up different notifications when this happens in the future though.
    Incentivized
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    Usability
    Visa
    No answers on this topic
    Zoho
    Zoho Billing covers our subscription and invoicing needs well and fits nicely into our Zoho setup, but its broken GA4 integration is a real limitation for our use case.
    Read full review
    Alternatives Considered
    Visa
    Payeezy does not provide fraud check facility and they provide JS based integration. Since client wants server side integration due to security and fraud check as well in place of using another third party for fraud. We went ahead with Cybersource
    Incentivized
    Read full review
    Zoho
    Zoho [Subscriptions] is a lot easier to set up recurring payments and notifications than [Stripe] or [PayPal] alone. They offer notification reminders that will help manage clients, versus setting up an API [..] communication system [to] your own with the others. Clients have an easier time changing credit cards around in Zoho [Subscriptions,] whereas in Stripe and Paypal, you have a lot more manual work.
    Thryv is [an] all in one [package] for both one time and recurring payments, which I prefer over Zoho [Subscriptions], without having to create new client files in each system; [Thryv] [...] also has notification options which is a time saver. Thryv can also send test email review requests after a trigger or an [invoice] has been paid, whereas you would have to create an API integration with another service to do so in Zoho [Subscriptions]. Overall, Zoho [Subscriptions] is a great system, for most of my personal clients logging into different systems for different needs. [In] addition to subscriptions, [this] is the downfall, but it [is] still a great option for many businesses.
    Incentivized
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    Return on Investment
    Visa
    • It has streamlined credit card processing for the whole organization
    • Provides all the info we need to locate specific transactions and address issues accordingly
    Incentivized
    Read full review
    Zoho
    • We no longer worry about missing payments or tracking the rental program.
    Incentivized
    Read full review
    ScreenShots

    Zoho Billing Screenshots

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