# Wave vs Zoho Books

**Leader by vioscaleAI score:** Zoho Books

| Attribute | Wave | Zoho Books |
|---|---|---|
| **vioscaleAI score** | 57.4 (72% (medium)) | 71 (71% (medium)) |
| content.faq | `[{"answer":"A unified platform combining bookkeeping, invoicing, payment processing, and reporting in one dashboard. Helps small business owners track income and expenses, manage cash flow, and maintain organized financial records year-round. It is indexed under Accounting Software.","source":"https://www.waveapps.com","question":"What is Wave?","confidence":0.6},{"answer":"Wave offers a free tier, so you can start without paying. Paid plans start at $16 per month. Prices are published openly on the vendor's own pricing page. Pricing changes often, so verify at source before relying on it.","source":"https://www.waveapps.com/pricing","question":"Is Wave free?","confidence":0.6},{"answer":"We have confirmed browser-based access to Wave. That is the extent of what we could verify from public sources, so it may well offer desktop or mobile clients we have not indexed.","source":"https://www.waveapps.com","question":"What platforms does Wave support?","confidence":0.6},{"answer":"We have only confirmed a cloud / SaaS deployment for Wave, so it appears to be vendor-hosted. If a self-hosted option exists we have not found it documented publicly.","source":"https://www.waveapps.com","question":"Can Wave be self-hosted?","confidence":0.6},{"answer":"We have confirmed 8 integrations for Wave, including Plaid, Zapier, Shopify, Square, ADP, RBC, Block Advisors and Apple Pay. This is what we could verify from public sources, so the vendor may support others we have not indexed.","source":"https://www.waveapps.com","question":"What does Wave integrate with?","confidence":0.6},{"answer":"Wave is available worldwide. Its primary markets are the United States and Canada.","source":"https://www.waveapps.com","question":"Where is Wave available?","confidence":0.75}]` | `[{"answer":"Web-based accounting software that helps small businesses manage invoicing, reconcile bank transactions, track inventory, and bill for project work. Built with tax compliance features for UK businesses. It is indexed under Accounting Software.","source":"https://www.zoho.com/books","question":"What is Zoho Books?","confidence":0.6},{"answer":"Zoho Books offers a free tier, so you can start without paying. Pricing changes often, so verify at source before relying on it.","source":"https://www.zoho.com/books","question":"Is Zoho Books free?","confidence":0.6},{"answer":"We have confirmed browser-based access to Zoho Books. That is the extent of what we could verify from public sources, so it may well offer desktop or mobile clients we have not indexed.","source":"https://www.zoho.com/books","question":"What platforms does Zoho Books support?","confidence":0.6},{"answer":"Yes. Zoho Books can be deployed cloud / SaaS, on-premise and self-hosted, so it does not have to run on the vendor's infrastructure.","source":"https://www.zoho.com/books","question":"Can Zoho Books be self-hosted?","confidence":0.6},{"answer":"We have confirmed 16 integrations for Zoho Books, including Google APIs, YouTube APIs, Zoho Mail, Zoho Cliq, Zoho Projects, Zoho Inventory, Zoho Invoice and Zoho People, plus 8 more. This is what we could verify from public sources, so the vendor may support others we have not indexed.","source":"https://www.zoho.com/books","question":"What does Zoho Books integrate with?","confidence":0.6},{"answer":"We have independently confirmed SOC 2, ISO 27001, HIPAA and GDPR for Zoho Books. Certifications we do not list are ones we have not been able to verify from public sources, which is not the same as Zoho Books not holding them. Always confirm compliance directly before you rely on it.","source":"https://www.zoho.com/jp/compliance.html","question":"What security certifications does Zoho Books have?","confidence":0.7},{"answer":"Zoho Books is available worldwide. Its primary market is the United Kingdom.","source":"https://www.zoho.com/books","question":"Where is Zoho Books available?","confidence":0.5}]` |
| deployment.options | `{"cloud":true}` | `{"cloud":true,"on_prem":true}` |
| description.long | Wave enables small business owners to manage their financial operations in one place, including expense and revenue tracking, customer billing, digital payments, and reporting to support financial decision-making. | Web-based accounting software that helps small businesses manage invoicing, reconcile bank transactions, track inventory, and bill for project work. Built with tax compliance features for UK businesses. |
| features.capabilities | `{"api_access":"full","bank_feeds":"aggregator","deployment":"cloud","ar_invoicing":true,"tax_compliance":"Tax-ready bookkeeping with organized records and reporting","double_entry_gl":true,"payments_capture":true,"accountant_collab":true,"project_accounting":true}` | `{"inventory":true,"api_access":"full","bank_feeds":"manual_import","deployment":"cloud","ar_invoicing":true,"multi_entity":"multi_entity","multi_currency":true,"tax_compliance":"UK MTD (Making Tax Digital)","double_entry_gl":true,"payments_capture":true,"accountant_collab":true,"project_accounting":true}` |
| integrations.count | 5 | 16 |
| integrations.list | `[{"name":"Plaid"},{"name":"Zapier"},{"name":"Shopify"},{"name":"Square"},{"name":"ADP"},{"name":"RBC"},{"name":"Block Advisors"},{"name":"Apple Pay"}]` | `[{"name":"Google APIs"},{"name":"YouTube APIs"},{"name":"Zoho Mail"},{"name":"Zoho Cliq"},{"name":"Zoho Projects"},{"name":"Zoho Inventory"},{"name":"Zoho Invoice"},{"name":"Zoho People"},{"name":"Zoho Checkout"},{"name":"Zoho Analytics"},{"name":"Zoho Sprints"},{"name":"Zoho Desk"},{"name":"Zoho WorkDrive"},{"name":"Zoho Meeting"},{"name":"Zoho Subscriptions"},{"name":"Zoho Expense"}]` |
| market.availability | `{"primaryMarkets":["US","CA"],"availabilityScope":"global","availableCountries":[],"notAvailableCountries":[]}` | `{"primaryMarkets":["GB"],"availabilityScope":"global","availableCountries":[],"notAvailableCountries":[]}` |
| platform.support | `{"ios":true,"web":true,"android":true}` | `{"web":true}` |
| pricing | `{"type":"subscription","plans":[{"free":true,"name":"Starter","summary":"Free","features":["Unlimited invoices, estimates, bills","Unlimited bookkeeping records","Mobile app access","Dashboard and reports","Payment processing available"],"description":"Basic accounting and invoicing for new businesses","contactSales":false},{"free":false,"name":"Pro","summary":"$16/month billed monthly, or $190/year billed annually","features":["Everything in Starter","Auto-import bank transactions via Plaid","Auto-merge and auto-categorize transactions","Unlimited receipt capture and tracking","Add multiple users/collaborators","Payment processing at discounted rates"],"commitment":"monthly","components":[{"kind":"fixed","amount":16,"period":"month","currency":"USD"}],"description":"Enhanced accounting with bank automation and transaction categorization","contactSales":false},{"free":false,"name":"Wave Advisors","summary":"$149/month or $199/month depending on tier","features":["Everything in Pro","Dedicated bookkeeper management","Monthly financial statements","Expert bookkeeping support","Transition assistance from other software","Optional one-on-one accounting coaching"],"components":[{"kind":"fixed","amount":149,"period":"month","currency":"USD"}],"description":"Hands-off bookkeeping with dedicated bookkeeper and financial expert support","contactSales":false}],"addOns":[{"name":"Payment Processing","components":[{"of":"transaction","kind":"percentage","plus":{"amount":0.6,"currency":"USD"},"rate":2.9}]},{"name":"Payroll"},{"name":"Receipts"}],"summary":"Free Starter plan with unlimited invoicing and bookkeeping. Pro from $16/month includes bank automation. Wave Advisors from $149/month for managed bookkeeping. Payment processing fees: 2.9% + $0.60 per Visa/Mastercard transaction.","currency":"USD","freeTier":true,"sourceUrl":"https://www.waveapps.com/pricing","retrievedAt":"2026-08-14T15:29:13.788Z","startingPrice":{"amount":16,"period":"month","currency":"USD"},"billingPeriods":["month","year"]}` | `{"freeTier":true,"sourceUrl":"https://www.zoho.com/books","retrievedAt":"2026-09-04T13:21:31.030Z","freeTrialDays":15}` |
| pricing.free_tier | yes | yes |
| pricing.model | freemium | freemium |
| pricing.price_level | mid | low |
| pricing.transparent | yes | yes |
| reliability.status_page | yes | yes |
| security.certifications | `[{"name":"PCI DSS Level 1","level":"Level 1","status":"active"}]` | `[{"name":"ISO/IEC 27001","status":"active","validUntil":"2028-08-21"},{"name":"ISO/IEC 27701","status":"active","validUntil":"2028-08-21"},{"name":"ISO/IEC 27017","status":"active","validUntil":"2028-08-21"},{"name":"ISO/IEC 27018","status":"active","validUntil":"2028-08-21"},{"name":"ISO 9001","status":"active","validUntil":"2029-02-02"},{"name":"ISO/IEC 20000-1","status":"active","validUntil":"2027-07-29"},{"name":"ISO 22301","status":"active","validUntil":"2026-11-20"},{"name":"SOC 2 Type II","level":"Type II","status":"active"}]` |
| security.disclosure_policy | - | yes |
| security.gdpr | - | yes |
| security.hipaa | - | yes |
| security.iso27001 | - | yes |
| security.pci | yes | - |
| security.soc2 | - | yes |
| security.trust_center | - | https://www.zoho.com/compliance.html |

## Capabilities (Accounting Software)

| Capability | Wave | Zoho Books |
|---|:--:|:--:|
| **Core** |  |  |
| Double-entry GL | ✓ | ✓ |
| Multi-entity | - | Multi-entity |
| Multi-currency | - | ✓ |
| Bank feeds | Aggregator | Manual import |
| **Modules** |  |  |
| AP automation | - | - |
| AR / invoicing | ✓ | ✓ |
| Inventory | - | ✓ |
| Fixed assets | - | - |
| Project accounting | ✓ | ✓ |
| **Compliance** |  |  |
| Tax compliance | Tax-ready bookkeeping with organized records and reporting | UK MTD (Making Tax Digital) |
| **Workflow** |  |  |
| Accountant collaboration | ✓ | ✓ |
| **Payments** |  |  |
| Payments capture | ✓ | ✓ |
| **Ecosystem** |  |  |
| API access | Full | Full |
| **Deployment** |  |  |
| Deployment | Cloud | Cloud |

*Source: vioscaleAI. Generated 2026-10-16T19:19:18.111Z. "-" = undocumented, not absent.*