What users are saying about
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Top Rated
531 Ratings
108 Ratings

Xero

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Top Rated
531 Ratings
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Score 8.7 out of 100
108 Ratings
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Score 8.3 out of 100

Feature Set Ratings

  • Xero ranks higher in 2 feature sets: Customization, Reporting & Analytics
  • Zoho Books ranks higher in 4 feature sets: Security, General Ledger and Configurable Accounting, Inventory Management, Order Management

Payroll Management

8.3

Xero

83%

Zoho Books

Feature Set Not Supported
N/A
Xero ranks higher in 5/5 features

Pay calculation

8.2
82%
64 Ratings
N/A
0 Ratings

Benefit plan administration

8.2
82%
23 Ratings
N/A
0 Ratings

Direct deposit files

8.9
89%
49 Ratings
N/A
0 Ratings

Salary revision and increment management

8.8
88%
41 Ratings
N/A
0 Ratings

Reimbursement management

7.6
76%
54 Ratings
N/A
0 Ratings

Customization

7.7

Xero

77%
6.1

Zoho Books

61%
Xero ranks higher in 2/2 features

API for custom integration

7.3
73%
78 Ratings
6.1
61%
14 Ratings

Plug-ins

8.1
81%
85 Ratings
N/A
0 Ratings

Security

8.6

Xero

86%
8.9

Zoho Books

89%
Xero ranks higher in 1/2 features

Single sign-on capability

8.7
87%
72 Ratings
9.4
94%
18 Ratings

Role-based user permissions

8.4
84%
114 Ratings
8.3
83%
23 Ratings

Reporting & Analytics

8.2

Xero

82%
8.1

Zoho Books

81%
Xero ranks higher in 2/3 features

Dashboards

8.0
80%
129 Ratings
7.7
77%
23 Ratings

Standard reports

8.7
87%
132 Ratings
7.6
76%
22 Ratings

Custom reports

7.9
79%
121 Ratings
9.0
90%
1 Rating

General Ledger and Configurable Accounting

8.0

Xero

80%
8.2

Zoho Books

82%
Xero ranks higher in 17/21 features

Accounts payable

8.7
87%
130 Ratings
8.2
82%
22 Ratings

Accounts receivable

8.7
87%
131 Ratings
8.9
89%
23 Ratings

Cash management

8.1
81%
121 Ratings
7.9
79%
22 Ratings

Bank reconciliation

8.9
89%
137 Ratings
6.3
63%
21 Ratings

Expense management

8.1
81%
125 Ratings
7.1
71%
22 Ratings

Time tracking

6.9
69%
42 Ratings
6.3
63%
14 Ratings

Fixed asset management

7.2
72%
86 Ratings
N/A
0 Ratings

Multi-currency support

8.2
82%
82 Ratings
9.7
97%
13 Ratings

Multi-division support

7.5
75%
74 Ratings
N/A
0 Ratings

Regulations compliance

8.3
83%
67 Ratings
9.6
96%
12 Ratings

Electronic tax filing

8.3
83%
65 Ratings
N/A
0 Ratings

Self-service portal

7.8
78%
80 Ratings
9.8
98%
15 Ratings

Global Financial Support

8.1
81%
36 Ratings
N/A
0 Ratings

Primary and Secondary Ledgers

7.8
78%
34 Ratings
N/A
0 Ratings

Intercompany Accounting

7.4
74%
40 Ratings
N/A
0 Ratings

Localizations

8.2
82%
40 Ratings
N/A
0 Ratings

Journals and Reconciliations

8.7
87%
89 Ratings
N/A
0 Ratings

Enterprise Accounting

7.4
74%
33 Ratings
N/A
0 Ratings

Configurable Accounting

8.3
83%
59 Ratings
N/A
0 Ratings

Centralized Rules Framework

8.0
80%
33 Ratings
N/A
0 Ratings

Standardized Processes

8.4
84%
59 Ratings
N/A
0 Ratings

Inventory Management

6.8

Xero

68%
6.9

Zoho Books

69%
Xero ranks higher in 2/4 features

Inventory tracking

6.1
61%
60 Ratings
6.6
66%
12 Ratings

Automatic reordering

7.0
70%
24 Ratings
7.3
73%
7 Ratings

Location management

7.7
77%
29 Ratings
N/A
0 Ratings

Manufacturing module

6.3
63%
16 Ratings
N/A
0 Ratings

Order Management

7.7

Xero

77%
8.3

Zoho Books

83%
Xero ranks higher in 4/7 features

Pricing

7.3
73%
61 Ratings
7.2
72%
18 Ratings

Order entry

7.8
78%
56 Ratings
8.9
89%
17 Ratings

Credit card processing

8.6
86%
57 Ratings
8.9
89%
18 Ratings

Cost of goods sold

8.1
81%
65 Ratings
8.3
83%
17 Ratings

Order Orchestration

7.3
73%
21 Ratings
N/A
0 Ratings

End-to-end order visibility

7.4
74%
24 Ratings
N/A
0 Ratings

Order exception Resolution

7.4
74%
17 Ratings
N/A
0 Ratings

Attribute Ratings

  • Xero is rated higher in 3 areas: Likelihood to Recommend, Usability, Support Rating

Likelihood to Recommend

8.8

Xero

88%
155 Ratings
8.1

Zoho Books

81%
25 Ratings

Likelihood to Renew

8.8

Xero

88%
29 Ratings

Zoho Books

N/A
0 Ratings

Usability

8.9

Xero

89%
80 Ratings
6.6

Zoho Books

66%
6 Ratings

Availability

9.0

Xero

90%
20 Ratings

Zoho Books

N/A
0 Ratings

Performance

10.0

Xero

100%
16 Ratings

Zoho Books

N/A
0 Ratings

Support Rating

7.1

Xero

71%
37 Ratings
5.5

Zoho Books

55%
6 Ratings

In-Person Training

9.1

Xero

91%
1 Rating

Zoho Books

N/A
0 Ratings

Online Training

10.0

Xero

100%
5 Ratings

Zoho Books

N/A
0 Ratings

Implementation Rating

9.5

Xero

95%
18 Ratings

Zoho Books

N/A
0 Ratings

Product Scalability

10.0

Xero

100%
6 Ratings

Zoho Books

N/A
0 Ratings

Likelihood to Recommend

Xero

Xero is a 10-point software since it streamlines accounting and financial processes with great agility, generating immediate productivity. I recommend using all its features since, from creating reports to paying bills, the whole process is easy and does not require much knowledge. We can use it remotely with our phones and still build fluidity, plus it can be integrated with Salesforce, building even more power for short-term results.
Bernadette Johnsen | TrustRadius Reviewer

Zoho Books

If using other cloud applications and you wish to create Zoho Books transactions via APIs, Zoho Books is great. The overall UI and flow of the application are great. If you need a detailed job cost accounting solution and robust reporting there is some room for improvement here.
Anonymous | TrustRadius Reviewer

Pros

Xero

  • Reporting (customizing look and contents and the ability to add multiple comparative periods is brilliant and not found in many other competitors.
  • Bank feeds. The way they organize bank feed and subsequent matching or coding is very user-friendly for non-accountants and fast for accountants.
  • Can file VAT returns and is MTD compliant in UK.
  • Customer support has been helpful (at least in my experience).
Mohsin Ejaz | TrustRadius Reviewer

Zoho Books

  • Zoho Books invoicing and receipting features are second to none. We find it easy to quickly invoice clients and add items to their bills and also for our own receipting internally.
  • The accounting features are great for our accounting team to be able to see where we are financially and how the business is doing.
  • The ability to add contacts and run a mini CRM channel with clients within Zoho is invaluable. Since we use this in conjunction with our other CRM channels, it helps to have a centralized place to follow up and see through a sales funnel.
  • Zoho Books allows us to take payments from clients around the globe a feature we didn't have when we used another accounting system.
  • The pricing for Zoho Books is fairly reasonable for an SME organization which is a great for us as it pays itself back many times over every month.
Nathan Sichilongo | TrustRadius Reviewer

Cons

Xero

  • Overall it is a great platform and quite comprehensive for US based users.
  • However, if we focus on multinational companies that want to integrate the information of different companies in several countries within the same solution, we find the need to carry out reports outside the platform to provide the accounting structure and compliance necessary in countries outside the US.
Anonymous | TrustRadius Reviewer

Zoho Books

  • Zoho Books is only available in Texas and California. There is no integration allowed for paying employee expenses. The absolute worst aspect is the fact that if you make even the slightest error in data input there is no backing up. You cannot undo an error.
  • The system does not allow change once implemented, so you must get every one of your beginning balances perfect. The practice of Journal Entries is cumbersome. When reconciling, Zoho Books has adopted a number of required steps that significantly overcomplicate reconciliation using practices that are not consistent with general accounting principles in the US.
  • On the customer side, you must look in two places to see the beginning balance and the current receivables that might exist for current invoicing.
  • The way the system works, you must avoid having much trust with the balances depicted. So far, it appears that Zoho Books uses what we called in school "that new math."
  • It would be terrifying to rely on this bookkeeping system to support an IRS Audit. The system violates too many fundamental accounting principles.
  • The software is used by so few people that there is concern that we might never find a skilled bookkeeper.
Mike James | TrustRadius Reviewer

Pricing Details

Xero

General

Free Trial
Yes
Free/Freemium Version
Premium Consulting/Integration Services
Entry-level set up fee?
No

Starting Price

$11 per month

Xero Editions & Modules

Edition
Early$111
Growing$321
Established$621
  1. per month
Additional Pricing Details

Zoho Books

General

Free Trial
Yes
Free/Freemium Version
Yes
Premium Consulting/Integration Services
Entry-level set up fee?
Optional
$15

Starting Price

$0 For businesses with turnover <50K USD per annum

Zoho Books Editions & Modules

Edition
Standard$151
Professional$401
Premium$601
Free$02
  1. Per Organization/Month, Billed Annually
  2. For businesses with turnover <50K USD per annum
Additional Pricing Details
Zoho Books is available for both monthly and yearly plans. Users who sign up for the annual plan get a discount.

Likelihood to Renew

Xero

Xero 8.8
Based on 29 answers
In addition to the matters covered in this review, my reason for renewing this product is that Xero's functionality and the constant updates that the company provides, makes the software even more business friendly. The software therefore builds a brand loyalty among customers.
Sarang Mandke | TrustRadius Reviewer

Zoho Books

No score
No answers yet
No answers on this topic

Usability

Xero

Xero 8.9
Based on 80 answers
It has deep functionality, and it's easy to use for invoicing, quoting, financial reporting, and customer management. This product manages financial information for small business owners in a unique way. The phone interface is really good as well-meaning I can keep on top of the finances on my phone and feel confident about the financial decisions I'm making.
Carolyn Swora | TrustRadius Reviewer

Zoho Books

Zoho Books 6.6
Based on 6 answers
Customization is the biggest struggle for us and most of the time we need to involve a tech person. The chat support is a great feature and very helpful. It would be great to be able to customize and create invoices and correspondence (templates) such are reminders in multiple languages within one organization. The currency (USD) would be the same. We have clients in different countries that don't speak English but pay in USD.
Anonymous | TrustRadius Reviewer

Reliability and Availability

Xero

Xero 9.0
Based on 20 answers
We have been actively using and 100% Xero based for our ecommerce accounting practice for over 4 years. There has on been one real outage for more than 5 minutes. Xero was open and transparent about the outage, what they were doing to resolve the issue, and provided 15 minute updates. Showing how they care about their customers and partners. Plus, showing that their customers care too, were understanding, and went surfing or in our case took a nap. Couldn't run our business without Xero as a partner.
Scott Scharf | TrustRadius Reviewer

Zoho Books

No score
No answers yet
No answers on this topic

Performance

Xero

Xero 10.0
Based on 16 answers
Pages generally load quickly, but it's a fairly common occurrence to have pages taking a bit longer than I'd like to load (as in, 4+ seconds). Occasionally I have to refresh a page to get it to work. Bank feed and integrations tend to be slow in general, but that could easily be due to API latency on the side of the other parties. Most of the time, though, the bank feeds refresh before I login so it's not a huge problem. Not necessarily good performance compared to a local app like QuickBooks desktop, but definitely good performance for a cloud application. Room for growth? yes.
Anonymous | TrustRadius Reviewer

Zoho Books

No score
No answers yet
No answers on this topic

Support Rating

Xero

Xero 7.1
Based on 37 answers
Support has always been responsive and quickly resolved any questions I have. The only reason I don't give full points is because there's no way to call for immediate help. I'm fine with this because I don't need it badly enough to pay for it
Dave Olsen | TrustRadius Reviewer

Zoho Books

Zoho Books 5.5
Based on 6 answers
The support team feels very disjointed. We have filtered through a number of "lead" contacts and are frequently spammed by other Zoho members. Once getting an appropriate support contact on the phone - the team is very helpful, it just takes a lot of hoop jumping to get there. We actually unsubscribed from their support package as we were not getting the value we were looking for.
Casey Schuler | TrustRadius Reviewer

In-Person Training

Xero

Xero 9.1
Based on 1 answer
The format was great; someone was there to ask questions or help if you were stuck.
Garreth Collard | TrustRadius Reviewer

Zoho Books

No score
No answers yet
No answers on this topic

Online Training

Xero

Xero 10.0
Based on 5 answers
All of Xero's training is online and available for anyone (business owner or accountants) to learn and become experts in their system. There is a range of content from product training to real world webinars from their partners. Xero is beautiful accounting software and their training is the same.
Scott Scharf | TrustRadius Reviewer

Zoho Books

No score
No answers yet
No answers on this topic

Implementation Rating

Xero

Xero 9.5
Based on 18 answers
If it can be done, time the implementation near a new fiscal year so you can start clean. Otherwise, you have to go back and do historical data from the beginning of the fiscal year, which can be brain draining.
Andre Yeu | TrustRadius Reviewer

Zoho Books

No score
No answers yet
No answers on this topic

Alternatives Considered

Xero

Solely the ease of use. This has saved me so much time on day-to-day tracking it is astonishing. Not only does it make it super easy to send invoices, but it also makes it easy to print invoices off, eases the process of partial payments, and keeps good track of all notes made to the account.
Molly Felber | TrustRadius Reviewer

Zoho Books

We had a lot of problems with Exact Online, support-wise and price-wise. So Zoho Books wins on every point there. While Exact offers way more options, it tends to be really slow... and complex. Again Zoho Books wins. If you want an easy-to-use tool and not pay a lot of money, or if you are a small administration office with a few clients, this tool will be perfect for you.
Mike Koolwijk | TrustRadius Reviewer

Scalability

Xero

Xero 10.0
Based on 6 answers
Over 600 plus apps available for integration and easy to create standard charts of account and report templates to implement across multiple entities. Same pricing regardless of number of transactions or users. Real benefit is variety of integrated apps that allow you to automate processes and have functionality that 10 years ago was only available in ERP systems costing hundreds of thousands.
Anonymous | TrustRadius Reviewer

Zoho Books

No score
No answers yet
No answers on this topic

Return on Investment

Xero

  • Makes bookkeeping easier for clients or for us to do on behalf of clients.
  • Time saving reports for BAS preparation.
  • Picks up on potential issues in General Ledger Exceptions report.
  • Dashboard can show accounts watchlist and current payables/receivables.
  • Matches bills/sales to bank feed transactions and you can select multiple or split payments.
Lauren Boyle | TrustRadius Reviewer

Zoho Books

  • Integration: Zoho Books offers out of the box integrations to extend the functionality and connect with the applications you love like MailChimp, Microsoft Outlook, PandaDoc, and Quickbooks, etc.
  • Flexibility makes Zoho Books great!
  • Since I can use forecast reports, I can create customizable sales forecast data from the dashboard to accurately measure revenue forecasts and establish sales quotas.
Cedric Haynes | TrustRadius Reviewer

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