--- title: "Compare Zoho Books vs Melio 2026 | Capterra" description: "Unsure of what to choose? Check Capterra to compare Melio and Zoho Books based on pricing, features, product details, and verified reviews." source_url: "https://www.capterra.com/compare/163115-184673/Zoho-Books-vs-Melio" page_type: "comparison" language: "en" publication_date: "2026-10-19" --- # Melio vs Zoho Books Features and Cost Comparison Last updated October 19th, 2026 Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team.[Learn more](https://www.capterra.com/our-story/) Your comparison: MelioZoho Books2/4 selected [Melio](https://www.capterra.com/p/184673/Melio/)[4.2 (407)](https://www.capterra.com/p/184673/Melio/reviews/) [Zoho Books](https://www.capterra.com/p/163115/Zoho-Books/)[4.4 (684)](https://www.capterra.com/p/163115/Zoho-Books/reviews/) [## Melio](https://www.capterra.com/p/184673/Melio/)[4.2 (407)](https://www.capterra.com/p/184673/Melio/reviews/) Starting Price $25.00/month Value-for-Money 4.3 Functionality 4.1 Ease of Use 4.4 Customer Service 4 Reviews Sentiment Based on [407 reviews](#user-reviews) Positive 337 Neutral 9 Negative 61 [## Zoho Books](https://www.capterra.com/p/163115/Zoho-Books/)[4.4 (684)](https://www.capterra.com/p/163115/Zoho-Books/reviews/) Starting Price $20.00/month Value-for-Money 4.4 Functionality 4.3 Ease of Use 4.4 Customer Service 4.2 Reviews Sentiment Based on [684 reviews](#user-reviews) Positive 610 Neutral 45 Negative 29 What’s your intended use case? ## Summary * * * Key features rated by users Features selected based on 4,046 reviews from accounts payable software users. about the Fit Score methodology. Fit Score methodology Our Fit Score reflects how reviewers rate a product’s performance against a set of features reviewers rate as most important. A higher score indicates the product is rated better in delivering what reviewers most care about. If the Fit Score is not shown for a specific product, that only means there are currently not enough relevant data points to develop a meaningful score. It does not indicate that the product should be excluded from further evaluation. Best for Methodology 71%Fit Not enough reviews Feature ratings Accounting 4.3 Financial Management \-- Bank Reconciliation 4.4 Invoice Management 4.7 Billing & Invoicing 4.4 81%Fit High performer Feature ratings Accounting 4.4 Financial Management 4.7 Bank Reconciliation 4.2 Invoice Management 4.7 Billing & Invoicing 4.4 User satisfaction User satisfaction 4.2 User reviews[407](https://www.capterra.com/p/184673/Melio/reviews/) Ease of use 4.4 Functionality 4.1 Value for money 4.3 Customer support 4.0 User satisfaction 4.4 User reviews[684](https://www.capterra.com/p/163115/Zoho-Books/reviews/) Ease of use 4.4 Functionality 4.3 Value for money 4.4 Customer support 4.2 Price starts from Price starts from $25Per User, Per Month - Free version - Free trial Price starts from $20Other, Per Month - Free version - Free trial Best for Best for Caters to business owners and finance teams in the US to streamline AP and AR and improve cash flow. Also, ideal for US accountants seeking an AP solution. Best for Zoho Books caters to businesses of all sizes across multiple industries, such as legal, real estate, retail, wholesale, education, maritime, financial services, healthcare, manufacturing and more. ## User reviews Pros & cons KL Kate L. Sales > "The interface is straightforward, and the accounting software integrations save time. Although processing times and some transaction fees..." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___7194498) BK Bridgette K. owner > "I have tried this software several times, and each time I receive a generic email saying the transfer cannot be processed after an internal..." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___7042405) KS Krzysiek S. manager > "It is a useful solution for managing invoices, sending payments, and keeping vendor payments better organized." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___7172483) JM Julie M. Owner > "oh, and towards the end it wouldn't save edits I made to vendor names, either, and then it would kick back payments because the vendor name..." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6586381) KM Katsia M. Director > "It is also a relief that users are able to review and approve items within Melio so I do not have to send follow-up approval requests." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___7177007) JM Julie M. Owner > "I started encountering FAR more errors in the process, failed payments with no notice, failures in the interface..." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6586381) LC Lin C. CEO > "We primarily used it to bill vendors and receive ACH payments, and the QuickBooks integration made reconciliation easy and reliable." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___7073679) KW Kimb W. Owner > "There is a chance of card payments to result in significant fees if you use the service frequently" [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6743085) GI Gabriel I. Founder > "One of my clients uses Melio as their payment gateway to their freelancers, so I can give the freelancer's point of view and it works..." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6761402) BM Brandon M. Owner > "My only issue is that card payments aren't sent on weekends." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6776314) MK Marina K. Chief Financial Officer > "Also, since there are multiple tabs for each company (for example) - no problem." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___7153844) BK Bridgette K. owner > "I wanted to love this software, but was unfortunately unable to truly experience its benefits." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___7042405) LC Lin C. CEO > "The interface is clean and intuitive, which made it simple to start billing vendors to receive ACH payments without much setup." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___7073679) TT Toni T. Owner > "Payments that they used to allow to be expedited that have not changed in dollar amounts or vendors, or payment accounts, are all of a sudden..." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___5016348) KL Kate L. Sales > "What I liked most about Melio is how simple it makes paying vendors and managing business payments." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___7194498) SK Shawn K. Director > "We had some issues with some clients making payments where their bank declined to perform the transactions (not familiar with the services so..." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4229258) NN Nick N. Owner > "With Melio, I found it quite useful for managing international payments for suppliers and even combining several payments into a single..." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___7023884) KC Kyle C. CEO > "It's such an obvious avenue for fraud it's stunning and the lack of urgency on fixing it will likely drive me to use a competitor." [See full review](https://www.capterra.com/p/184673/Melio/#SoftwareAdvice___6408617) CC Charles C. Director Marketing > "It improved the entire invoicing process by having an accurate order of payments sent and received." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6772703) Garrett B. Owner > "All I want to do is change my email address because the one on file doesn't work anymore." [See full review](https://www.capterra.com/p/184673/Melio/#GetApp___6186544) EL Elizabeth L. professional accountant > "We have managed to make bill payment faster and easier with Melio, making payments to clients in a timely manner." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6603909) KB Kathleen B. Founder, Virtual Assistant > "I've had this happen twice now, and it's put a serious strain on vendor relations and made us look like zeros instead of heroes." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6096152) LC Lin C. CEO > "Customer support was adequate when needed, and the platform generally felt stable with minimal bugs or issues." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___7073679) JD Jamie D. Accountant > "The processing of checks also seems to take a really long time, sometimes I will get a bill in and go immediately to setup payment and it..." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4229716) JM Julie M. Owner > "It started off as a pretty okay solution for needing to streamline payments to vendors all in one place. " [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6586381) JM Julie M. Owner > "I found it very confusing and not a smooth process at all." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6586381) KW Kimb W. Owner > "It's the most suitable for business accounting software integration that will make everything smooth and clear" [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6743085) KB Kathleen B. Founder, Virtual Assistant > "It's been 24+ hours since we've contacted support and no one has said "boo" let alone an explanation for what thee payment failed." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6096152) EL Elizabeth L. professional accountant > "It makes the whole process of paying bills easier and spending hours entering data." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6603909) HH Heidi H. owner > "It is glitchy when trying to add new clients and keeps old ghost bill data that isn't relevant even after it's been deleted." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4430808) ER Erika R. Real estate investor > "Highly recommended for anyone who wants a simple, reliable, and efficient way to manage business payments." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___7049231) KB Kathleen B. Founder, Virtual Assistant > "However, the last two months have been a nightmare to deal with because of actions Melio took without communication or resolution." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6096152) LC Lin C. CEO > "The learning curve was very low, and it provided good value for money for our needs." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___7073679) KB Kathleen B. Founder, Virtual Assistant > "I've now had three instances of payments being stopped--critical payments I'd add." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6096152) AC Ania C. Assistant Manager > "It has been a good experience and has relieved a lot the way credit card payments are processed." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6586245) KB Kathleen B. Founder, Virtual Assistant > "Worst of all, support does nothing but say it's the "payer's responsibility" to check information." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6096152) NN Nick N. Owner > "The thing I liked about Melio is that it is free of subscription payments and free to register." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___7023884) LG Laura G. Office Manager, Bookkeeper > "Unbeknownst to me, logging into my account this way created a duplicate account under our company ID, and I soon was contacted by their..." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4358275) EL Elizabeth L. professional accountant > "Now I only have to upload the bills and Melio does everything for me." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6603909) SM Saviour M. MANAGER > "The user interface is not very much easy to use, as i had found it a bit confusing when I started using melio back then." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6168073) JR Julian R. Finance and foreign trade > "The data is stored on a secure platform that allows payment tracking for more security" [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6533634) MC Marialuisa C. Owner > "It's pretty limited and it had an issue once that I canceled a scheduled recurring payment but it continued to send payment to a vendor for..." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4236203) SS Saurabh S. Founder > "online payment platform that allows small businesses to pay bills and vendors using bank transfers or debit cards, making the process easy..." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4775148) IL Ivan L. Sales > "My clients reported constant calls from Melio at any time, which I think is something that no one should do if the person that uses the..." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4231067) PW Peter W. Vice President > "Its integration with other apps, such as QuickBooks and Xero, makes payment processing seamless and efficient, saving time and increasing..." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4774978) KB Kathleen B. Founder, Virtual Assistant > "hours is not good enough for a payment processor." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6096152) AC Ada C. CEO & Founder > "Melio makes invoice processing quick and efficient - I can upload an invoice and it'll automatically populate the information, or I can..." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4775466) PK Paige K. CEO > "It overall wasn't the most cost effective option for our company and other options allowed for more tailored options for our needs." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4225057) SC Sachin C. Agritech > "The platform offers a range of payment options, including credit card payments for bills that don't typically accept them, and automated..." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4774982) RW Robert W. President > "Melio used to be the best thing, however they have started having issues with NOT submitting payments to vendors after scheduled and refuse..." [See full review](https://www.capterra.com/p/184673/Melio/#SoftwareAdvice___3742582) BH Basim H. Managing Member > "One of its best features is that I am able to schedule vendor payments as invoices come in and later track and balance." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4430567) VR Verified Reviewer Office Manager - Bookkeeper > "We won't be using any paid methods of payment with Melio any longer because sadly they are at best dishonest in what they charge for and they..." [See full review](https://www.capterra.com/p/184673/Melio/#GetApp___4827760) LR Liz R. Owner > "It’s easy to use and all the functionalities you have to send payments is great!" [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6624505) KC Kyle C. CEO > "Security flaws are huge." [See full review](https://www.capterra.com/p/184673/Melio/#SoftwareAdvice___6408617) AC Ada C. CEO & Founder > "The free ACH option is great for small businesses and it's super helpful that Melio tells you when the money will be debited and when it will..." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4775466) SP Sonny P. Owner > "Trying to print to the payment activity to pdf from the web browser never works." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4229430) Andrei P. Data Scientist > "The best thing about Melio is that it has no subscription, so you can use it as long as you want, and your vendor don't need a Melio account..." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4341001) AM Allie M. Owner > "I use this service solely because my accountant uses it to send bills my way, and as a result I am on the receiving end of intrusive..." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___3440097) JD Jamie D. Accountant > "The ease of the app and ability of the integration with QBO is unprecedented and has seriously saved me hundreds of hours for each client..." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4229716) KC Kyle C. CEO > "You have to just hope you dont have a disgruntled employee or book-keeper?" [See full review](https://www.capterra.com/p/184673/Melio/#SoftwareAdvice___6408617) JW Julieanne W. Systems expert > "Melio makes it easy to keep all of your bill payments in one place, know when each payment is due and take care of it automatically for you..." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4231548) RM Rick M. President > "Can't get customer service to answer during their business hours; they answer that they are closed." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4702099) CN Carmen N. Head of Corporate Affairs > "We have to process many payments per day and with Melio I was able to upload and pay our invoices timely and quickly" [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4229360) KB Kathleen B. Founder, Virtual Assistant > "There is too great a risk of fraud." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6096152) CT Christie T. Owner, Lead Bookkeeper > "As a bookkeeper, it is important that Melio allows me to have my client approve their payments before they are processes, and the process is..." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4775125) VR Verified Reviewer Office Manager - Bookkeeper > "Even with the receipts they request they do not care even telling me that I should have read their policy article before using their service." [See full review](https://www.capterra.com/p/184673/Melio/#GetApp___4827760) AH Alton H. owner > "I was able to pay several vendors within minutes without headache or hassle." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6490526) DB DrJoy B. Owner > "I would like to have recurring billing to my clients for services and it's not supported at this time." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4776011) BM Brandon M. Owner > "Great experience overall, great support and pricing." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6776314) KC Kyle C. CEO > "I'd stay away from Melio until this fixed." [See full review](https://www.capterra.com/p/184673/Melio/#SoftwareAdvice___6408617) CM Carisa M. Accounting Manager > "it has given us the ability to work in remote situations and process payments for clients no matter where we are." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4775311) JW Julieanne W. Systems expert > "When you have a business it usually comes with a lot of bills to pay that that can become messy." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4231548) SP Sonny P. Owner > "The integration with QBO brings efficiencies that allows me to offer better A/P services to clients." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4229430) RD Rodrigo D. Publisher > "I didn't need to use its customer service yet, but I read it can be a bit hard when you need it." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4778598) Ginger B. Court reporter > "This has been the only site that I have found that allows me to pay my contractors via credit card and float my expenses!" [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4716945) KF Kristen F. Owner > "The software has developed a lot of bugs and customer support is severely lacking." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4251247) JD Jamie D. Accountant > "I love how it gives you options, you pay the fee or your customer does, they make the call on how they want to be paid via check or ACH." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4229716) IP Ian P. Owner > "Doesn't sync with Quickbooks check payments to vendors." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4250993) Ryan M. Executive Administration > "It is nice being able to have rewards being built for credit card payments, less 1099's, and simple payment tracking" [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4715228) MM Melissa M. President > "I'm finding that my vendor addresses don't carry over from QBO to Melio, so the first time I pay a vendor in Melio I have to type in the..." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___3442313) VR Verified Reviewer Owner > "Melio has easy & simple Interface which helped me to easily understand and navigate through the software." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4325304) SM Saviour M. MANAGER > "The user interface is not very much easy to use, as i had found it a bit confusing when I started using melio back then." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6168073) BA Bianca A. Accounting > "Melio offers an easy to use user interface." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6367683) VM Vic M. President > "Web interface a bit clunky for desktop users." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4231762) Greg C. Founder > "The user interface is basic, but that's actually a good thing in this case" [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4775084) Ryan M. Executive Administration > "Not really friendly yet for QB Desktop users." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4715228) JW Jaime W. Bookkeeper Business Owner > "Melio is a user friendly platform and works smoothly." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4229741) MB Michael B. Owner > "Integration with QuickBooks Online doesn’t work" [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4229388) JD Jamie D. Accountant > "The fact that it is free for ACH and has the integration with QBO." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4229716) JS James S. CEO > "Does not integrate with Quickbooks Desktop software." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4168954) LH Lisa H. President > "Integration with QuickBooks Online was a breeze." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4775966) KB Kathleen B. Founder, Virtual Assistant > "However, the last two months have been a nightmare to deal with because of actions Melio took without communication or resolution." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___6096152) CT Christie T. Owner, Lead Bookkeeper > "I love that Melio is easy to use and integrates with Quickbooks online." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4775125) RM Rick M. President > "Can't get customer service to answer during their business hours; they answer that they are closed." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4702099) PW Paul W. Owner > "Absolute ease of integration across all fields." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4251061) RD Rodrigo D. Publisher > "I didn't need to use its customer service yet, but I read it can be a bit hard when you need it." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4778598) DP Dan P. Finance Manager > "It is super simple and easy!" [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4715727) KF Kristen F. Owner > "The software has developed a lot of bugs and customer support is severely lacking." [See full review](https://www.capterra.com/p/184673/Melio/#Capterra___4251247) [View Reviews](https://www.capterra.com/p/184673/Melio/reviews/) JD John D. Financial Controller > "It links to Dext so it can auto import invoices and there is possibility to import and export most information in bulk (works well for chart of..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___7192201) JD John D. Financial Controller > "There is Zoho Analytics that might be able to combine all our company's general ledgers but it's not user friendly at all, still not managed to..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___7192201) MA Md A. Research Assistant > "It handles the daily grind like sending out invoices and matching up bank statements incredibly well. Plus, if you already use other Zoho apps..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___7193987) JD John D. Financial Controller > "The bulk update tool is really frustrating - you can only do 25 items at a time, and it doesn't even show you the transaction details, just the..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___7192201) Ritvik V. Owner and E-Commerce Operations Manager > "Being able to see transactions in AED and have expenses automatically pulled from the Wio company account made managing the finances much more..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___7202503) JD John D. Financial Controller > "lists some fields you can't have shown on the main page, and some fields can't be shown on reports when theres absolutely no reason why it..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___7192201) VR Verified Reviewer IT Engineer > "The automation features save time, and the integration with other Zoho applications makes it an excellent choice for small and growing..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___7190979) JD John D. Financial Controller > "Its made by people that have not had to use it as an accounts manager/financial controller, or worked in accounts practice. If the developers..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___7192201) VR Verified Reviewer IT Engineer > "The regular updates and automation features make managing finances much more efficient, and I would recommend it to other small and..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___7190979) JD John D. Financial Controller > "Oh and smart matching of bank items, is non existent except maybe where a payment matches an invoice exactly - you can't tick multiple at once..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___7192201) MZA Muhammad Zohaib A. Talent Acquisition Officer > "It has a simple, easy-to-use interface that makes financial record-keeping and information handling less complicated." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___7209606) NHH Nguyen H. H. Deputy Service Manager > "Certain operations such as importing bulk data are a bit cumbersome." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___7163564) Ritvik V. Owner and E-Commerce Operations Manager > "The bank connection with Wio was especially useful because it automatically tracked expenses from the company bank account" [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___7202503) JD John D. Financial Controller > "Not only that but some things can't be bulk updated, some you have to do manually (like project!)" [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___7192201) NHH Nguyen H. H. Deputy Service Manager > "The bank feed connection has saved us hours a month working on reconciling transactions." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___7163564) LT Luke T. Director and Tutor > "Another small problem is that it doesn't import your bank transactions until the day after the transaction has taken place, despite refreshing..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6829781) VR Verified Reviewer IT Engineer > "Zoho Books is easy to use and offers a clean, intuitive interface that makes accounting tasks straightforward." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___7190979) DS David S. Customer Service Representative > "The mobile app isn’t as functional as the desktop version, and while the reporting options are good, they could be better customized." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6692753) MZA Muhammad Zohaib A. Talent Acquisition Officer > "Zoho Books is a good choice for businesses looking for good affordability and helpful client assistance." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___7209606) GK Girish K. Owber > "No desire to even show how a feature works." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#SoftwareAdvice___7076078) VR Verified Reviewer Growth Head - Sales > "It’s also one of the most widely used products out there and has really played a big role in transforming how businesses manage accounting..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___7122967) GK Girish K. Owber > "Zoho support has no solution for this." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#SoftwareAdvice___7076078) BB Ben B. CEO > "Free plan for businesses under $50K in revenue is good and we use it with Zoho Expense and it works seamlessly." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6734256) SG Sally G. Customer Service Auditor > "Some features don't work if you are not in the US." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6861693) VR Verified Reviewer Gen Secretary > "Havent experienced any bug, there was one concern which was fixed immediately. and i'd recommend it for both small business as well as large..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___7058032) AV Alisodai V. Proprietor > "They were unable to give any solution for my problem even after 7 months time." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___7020672) BB Ben B. CEO > "Favorite feature: automated invoicing and payment tracking." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6734256) PB Phillip B. President > "For example, if you accidently add a wrong item you will have to cancel it out on the books with another entry." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6178338) VR Verified Reviewer Gen Secretary > "Data management is so good, i am uploading all the invoices too in the application." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___7058032) DR Darren R. Director > "The only one annoyance is the search from some screens you need to know the exact customer name or item name to search. Where as some screens..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___5072227) VR Verified Reviewer COO > "I love the waste option of opportunities to adapt things like templates to automate as much as possible and safe time." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6648480) AM Alicia M. Accountant > "For example, in the UK a sales balance of -£100 means that the customer owes £100 pounds and has to pay." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6028821) Raj Shekhar S. Cofounder > "Their has been no product failures or issues, and new features are regularly rolled out too." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___7066801) HD Haythum D. IT Engineer > "in Zoho Books can't customize more advanced financial reportsZoho Books is more costly compared to other accounting software specially when..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4946352) DS David S. Customer Service Representative > "It also offers great GST compliance features which are a big advantage for my business." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6692753) SK Stephen K. insurance manager > "it limits vendors list and once reached you have to pay additional amount first and its very difficult to learn basically how to handle..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4655805) BB Ben B. CEO > "Mobile app is a plus, gives real-time access to financials." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6734256) ME Mohamed E. manager > "Data migration is quite difficult for businesses with a lot of data." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6423440) VR Verified Reviewer COO > "Zoho Books combines quoting, invoicing in a very efficient way." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6648480) MG Michael G. President > "does not integrate easily with Microsoft Office suite" [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6559335) JW Joel W. Program Manager > "I like the way the software allows us to reconcile various transaction hence eliminating errors in reporting." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6167413) DS DAMON S. Director > "Uncleared notifications on the app that I just can’t seem to clear" [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6466142) VV Vikas V. Software Consultant > "Reports are a great way to break things down for more clarifity." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6685125) SY Surjesh Y. Software Engineer > "Some users might discover that the software is not as customised as they would want. Although it has a variety of functions, there might not be..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4628961) BB Ben B. CEO > "Cloud-based with a solid mobile app so good for being on the go." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6734256) HN Hilda N. Youth research advisor > "The application is mostly very slow when updating it and in the process you may lose your data and in the due course costimg you a lot of time..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4707361) Alfredo J. Consultant > "I was able to easily migrate after a bad experience with quickbooks and from there been able to slightly customize it for my needs." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6501659) IL Immaculate L. Finance Director > "The bank connection doesn't always work nicely, sometimes it delay to update and end up sending incorrect statements to customers." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4604401) SG Sally G. Customer Service Auditor > "The interface is clean and clear." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6861693) Kirti V. developer > "However, some users have reported issues with customer support and limited customization options." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4631918) ME Mohamed E. manager > "The best thing that has happened to me is the ease with which I can now complete all accounting activities with Zoho Books." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6423440) Shyamal P. Founder > "They forced us to buy 12 months subscription saying migration won't be done unless we pay2." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4611027) VK Vinit K. Backend developer > "The ability of Zoho Books to handle accounting chores like billing, expenditure tracking, and bank reconciliations is one of its finest..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4623050) MA Monica A. program manager > "the application is very hard to master mostly on how to handle recurring payments within your organization" [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4983997) GK Gatuko K. Accounting Manager > "It handles accounts payable and comes with lots of data security features" [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6174493) Becky F. Software Developer > "This is the trickiest part because I can't really think of anything I dislike; however, I do have some comment on the quality of customer..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4669391) ME Mohamed E. manager > "One of the easiest interfaces for creating estimates and invoices is Zoho Books." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6423440) VR Verified Reviewer Software developer > "Limited customer support users can only access support via email or live chat,- limited user permissions" [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4640276) Dedre M. Owner > "Due to the fact that you can manager all financially transactions within your dashboard, including invoicing and billing, makes this a valuable..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4808090) Kirti V. developer > "Zoho Books offers limited support options, which may be frustrating for users who require immediate assistance." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4631918) ME Mohamed E. manager > "The main benefit is that it offers a range of plans at reasonable prices to accommodate diverse business needs." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6423440) VR Verified Reviewer Land Surveyor > "There are also expenses that I incur on my own as an employee of the company that need to be assigned to me alone still using my email address..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#GetApp___3433842) HN Hilda N. Youth research advisor > "With Zoho book I have been able to manage customers and suppliers interaction using client protal and by sitting up payments reminders through..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4707361) DP Darshan P. Administrator > "It has more user restrictions and payroll service is not available." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4775876) NL Nzai L. project officer sanitation and hygiene > "i like the ability of the software to manage clients online through clients patrol and making recuring invoices payments , its user interface..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4962668) BH Ben H. Manager > "Very little hand holding or clues for the average business user that doesn't have an accounting degree." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4622616) SA Sayed A. Project Engineer > "It has automation capabilities, such as automatic bank feeds and recurring invoices, have been praised for saving time and streamlining..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4741271) SV Shanmugam V. Article Trainee > "The data migration from our old software to Zoho was a bit difficult." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4601740) TA Tarek A. Customer Service Specialist > "I get tasks related to real-time management, such as interval billing and invoicing, so ZohoBooks' features are practical for this field." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4602422) FF Frank F. President > "When there is an update with the a financial institution Zoho Books takes forever to make that update causing issues with keeping tracking of..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___3503773) Kirti V. developer > "Zoho Books automates many time-consuming tasks, such as invoicing, payment reminders, and expense tracking, saving you time and increasing..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4631918) TM Theresa M. CEO > "They forgot to tell you to click on Settings first, and THEN select Preferences." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4793501) Sarp O. Founder > "It is the most user-friendly and comprehensive accounting platform I have used." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6653779) BC Briana C. Accounts Payable Manager > "Now that things are web-based when the wi-fi goes out I can't use the software." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4344049) SN Siyabonga N. Junior Tax practitioner > "The Online Invoicing has great features such as personalizing invoices with their logo, colours, and fonts., plus you can also track invoice..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4738813) Shyamal P. Founder > "This migration tool fails for unknown reasosns." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4611027) SV Shanmugam V. Article Trainee > "Many crucial things for a business like billing and invoicing, bank reconciliation, financial reporting, various report generation etc., are..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4601740) MK Milena K. Bookkeeper > "Limitation of the functions and the customer service wasn't as expected." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4789839) JK Joe K. CEO > "It's an amazing software for those who don't have the 2 mentioned issues" [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6628497) KF Kadeem F. IT Consultant > "Invoice customisation is really lacking." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4780181) SG Sally G. Customer Service Auditor > "The interface is clean and clear." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6861693) TM Theresa M. CEO > "This is the most non-intuitive, difficult, cumbersome, obscure programme I have ever worked with." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4793501) AB Andrei B. Branch Manager > "I really like Zoho Books, the design is nice and intuitive." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6296522) AD Assimi D. Marketing and communication director > "Zoho books has an interface that is not easy to use." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4556238) AM Alicia M. Accountant > "It looks modern and intuitive." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6028821) MG Michael G. President > "does not integrate easily with Microsoft Office suite" [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6559335) TM Theresa M. CEO > "We had thought that because of Wave Accounting's recommendation, that Zoho Books would be similarly user-friendly and intuitive." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4793501) Adrian P. CEO > "The integration for Amazon Seller Central was not great." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___2875128) AC Anthony C. University Intern > "Zoho Books also offers integration with other Zoho services, such as CRM and Human Resources, which makes collaboration and project management..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4782184) GK Girish K. Owber > "Zoho support has no solution for this." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#SoftwareAdvice___7076078) AB Andrei B. Branch Manager > "Integrates good with other Zoho apps if you are using them." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___6296522) DR Darren R. Director > "The only one annoyance is the search from some screens you need to know the exact customer name or item name to search. Where as some screens..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___5072227) Sara B. Human Resources Generalist > "Zoho Books integrates quite smoothly with both Zoho CRM and Zoho Subscriptions." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4514019) Becky F. Software Developer > "This is the trickiest part because I can't really think of anything I dislike; however, I do have some comment on the quality of customer..." [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4669391) HD Haythum D. IT Engineer > "Zoho Books integrates with other Zoho applicationsZoho" [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4946352) VR Verified Reviewer Software developer > "Limited customer support users can only access support via email or live chat,- limited user permissions" [See full review](https://www.capterra.com/p/163115/Zoho-Books/#Capterra___4640276) [View Reviews](https://www.capterra.com/p/163115/Zoho-Books/reviews/) ## User interface 4.22 (407) 4.38 (684) ## Connect with a Capterra advisor for a free 15-minute consultation Get a personalized software list aligned to your business needs with guidance from our expert advisors. Our team has helped 1 million+ businesses like yours find options that fit their needs. ### Features Do these products fit your needs? Prioritize real-user-identified key features according to your needs to find your best fit. \--% Fit vs \--% Fit 1099 Preparation 207 Important Accounting 150 Important ACH Payment Processing 120 Important Melio Top features 22/50 - 1099 Preparation - Accounting - ACH Payment Processing - Activity Dashboard - Aging Tracking - AI Copilot - Alerts/Notifications - Anomaly Detection - API - Approval Process Control - Audit Trail - Autonomous Task Execution - Bank Reconciliation - Benchmarking - Billing & Invoicing - Capture - Cash Management - Check Writing - Compliance Management - Customizable Reports - Data Import/Export - Decision Making - Document Management - Due Dates - Duplicate Payment Alert - Duplicates - Electronic Funds Transfer - Electronic Payments - ERP - ERP integration - Expense Tracking - Filters - Financial Analysis - Financial Management - Fraud Detection - General Ledger - Generative AI - Identification - Inventory Management - Invoice Management - Invoice Processing - KPIs - Matching - Mobile Access - Monitoring - Multi-Currency - Online Banking - Overpayments - Post Audits - Proactive Assistance [See all features](https://www.capterra.com/p/184673/Melio/#features) Zoho Books 19/50 - 1099 Preparation - Accounting - ACH Payment Processing - Activity Dashboard - Aging Tracking - AI Copilot - Alerts/Notifications - Anomaly Detection - API - Approval Process Control - Audit Trail - Autonomous Task Execution - Bank Reconciliation - Benchmarking - Billing & Invoicing - Capture - Cash Management - Check Writing - Compliance Management - Customizable Reports - Data Import/Export - Decision Making - Document Management - Due Dates - Duplicate Payment Alert - Duplicates - Electronic Funds Transfer - Electronic Payments - ERP - ERP integration - Expense Tracking - Filters - Financial Analysis - Financial Management - Fraud Detection - General Ledger - Generative AI - Identification - Inventory Management - Invoice Management - Invoice Processing - KPIs - Matching - Mobile Access - Monitoring - Multi-Currency - Online Banking - Overpayments - Post Audits - Proactive Assistance [See all features](https://www.capterra.com/p/163115/Zoho-Books/#features) ### Recognition Melio is recognized as a top-rated tool in 4 Capterra Shortlist reports Zoho Books is recognized as a top-rated tool in 3 Capterra Shortlist reports ### Deployment & support Melio Deployment - Cloud, SaaS, Web-Based - Desktop Mac - Desktop Windows - Desktop Linux - On-Premise Windows - On-Premise Linux - Desktop Chromebook - Mobile Android - Mobile iPhone - Mobile iPad Support - Email/Help Desk - FAQs/Forum - Knowledge Base - Phone Support - 24/7 (Live rep) - Chat Training - In Person - Live Online - Webinars - Documentation - Videos Zoho Books Deployment - Cloud, SaaS, Web-Based - Desktop Mac - Desktop Windows - Desktop Linux - On-Premise Windows - On-Premise Linux - Desktop Chromebook - Mobile Android - Mobile iPhone - Mobile iPad Support - Email/Help Desk - FAQs/Forum - Knowledge Base - Phone Support - 24/7 (Live rep) - Chat Training - In Person - Live Online - Webinars - Documentation - Videos ### Company Details Melio - By Melio - Located in United States - Founded in 2018 Zoho Books - By Zoho - Located in United States - Founded in 1996 ## 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