# Xero vs Zoho Books

| Attribute | Xero | Zoho Books |
|---|---|---|
| **vioscaleAI score** | 74 (74% (medium)) | 71 (71% (medium)) |
| content.faq | `[{"answer":"A cloud accounting solution that consolidates invoicing, payroll management, tax compliance, and financial reporting in one place, with AI-assisted automation to minimize manual data entry. It is indexed under Accounting Software.","source":"https://www.xero.com/pricing-plans/standard/","question":"What is Xero?","confidence":0.6},{"answer":"Xero offers a free tier, so you can start without paying. Paid plans start at £18 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.xero.com/pricing-plans/standard/","question":"Is Xero free?","confidence":0.6},{"answer":"We have confirmed browser-based access to Xero. 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.xero.com/pricing-plans/standard/","question":"What platforms does Xero support?","confidence":0.6},{"answer":"We have only confirmed a cloud / SaaS deployment for Xero, so it appears to be vendor-hosted. If a self-hosted option exists we have not found it documented publicly.","source":"https://www.xero.com/pricing-plans/standard/","question":"Can Xero be self-hosted?","confidence":0.6},{"answer":"We have confirmed 6 integrations for Xero, including Hubdoc, TaxCycle, Countable, Stripe, GoCardless and WhatsApp. This is what we could verify from public sources, so the vendor may support others we have not indexed.","source":"https://www.xero.com/pricing-plans/standard/","question":"What does Xero integrate with?","confidence":0.6},{"answer":"We have independently confirmed SOC 2, ISO 27001 and GDPR for Xero. Certifications we do not list are ones we have not been able to verify from public sources, which is not the same as Xero not holding them. Always confirm compliance directly before you rely on it.","source":"https://www.xero.com/security","question":"What security certifications does Xero have?","confidence":0.7},{"answer":"Xero is available worldwide. Its primary markets are the United Kingdom and Canada.","source":"https://www.xero.com/pricing-plans/standard/","question":"Where is Xero 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 | A cloud accounting solution that consolidates invoicing, payroll management, tax compliance, and financial reporting in one place, with AI-assisted automation to minimize manual data entry. | 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":"direct","deployment":"cloud","ar_invoicing":true,"ap_automation":true,"multi_currency":true,"tax_compliance":"VAT, MTD for Income Tax, CIS calculations","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 | 1,000 | 16 |
| integrations.list | `[{"name":"Hubdoc"},{"name":"TaxCycle"},{"name":"Countable"},{"name":"Stripe"},{"name":"GoCardless"},{"name":"WhatsApp","native":true,"category":"messaging","direction":"outbound"}]` | `[{"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":["GB","CA"],"availabilityScope":"global","availableCountries":[],"notAvailableCountries":[]}` | `{"primaryMarkets":["GB"],"availabilityScope":"global","availableCountries":[],"notAvailableCountries":[]}` |
| platform.support | `{"web":true}` | `{"web":true}` |
| pricing | `{"type":"subscription","plans":[{"free":false,"name":"Ignite","summary":"£18/month","features":["Send quotes and 20 invoices","Accept online invoice payments","MTD for Income Tax ready","Make online bill and payroll payments","Optional company accounts and tax"],"components":[{"kind":"fixed","amount":18,"period":"month","currency":"GBP"}],"description":"Basic invoicing and payment capabilities","contactSales":false},{"free":false,"name":"Grow","summary":"£39/month","features":["All Ignite features","Send invoices and quotes","Accept online invoice payments","Reconcile transactions","Smart document capture","View real-time reports","Automate bill entry","Submit VAT returns","Forecast cash flow","Customise dashboards","Auto-reconcile"],"components":[{"kind":"fixed","amount":39,"period":"month","currency":"GBP"}],"description":"Includes automation and performance monitoring","contactSales":false},{"free":false,"name":"Comprehensive","summary":"£55/month","components":[{"kind":"fixed","amount":55,"period":"month","currency":"GBP"}],"contactSales":false},{"free":false,"name":"Ultimate","summary":"£70/month","components":[{"kind":"fixed","amount":70,"period":"month","currency":"GBP"}],"contactSales":false}],"addOns":[{"name":"Company accounts and tax","components":[{"kind":"fixed","amount":120,"period":"year","currency":"GBP"}]},{"name":"International bill payments"}],"summary":"From £18/month. First month free.","currency":"GBP","freeTier":true,"sourceUrl":"https://www.xero.com/pricing-plans/standard/","retrievedAt":"2026-09-07T16:02:05.095Z","freeTrialDays":30,"startingPrice":{"amount":18,"period":"month","currency":"GBP"},"billingPeriods":["month"]}` | `{"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.starting_price | `{"amount":18,"currency":"GBP"}` | - |
| pricing.transparent | yes | yes |
| reliability.status_page | yes | yes |
| security.certifications | - | `[{"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 | yes |
| security.gdpr | yes | yes |
| security.hipaa | - | yes |
| security.iso27001 | yes | yes |
| security.pci | yes | - |
| security.soc2 | yes | yes |
| security.trust_center | https://www.xero.com/media-releases/new-compliance-workflows-to-make-tax-season-less-taxing/ | https://www.zoho.com/compliance.html |

## Capabilities (Accounting Software)

| Capability | Xero | Zoho Books |
|---|:--:|:--:|
| **Core** |  |  |
| Double-entry GL | - | ✓ |
| Multi-entity | - | Multi-entity |
| Multi-currency | ✓ | ✓ |
| Bank feeds | Direct feeds | Manual import |
| **Modules** |  |  |
| AP automation | ✓ | - |
| AR / invoicing | ✓ | ✓ |
| Inventory | - | ✓ |
| Fixed assets | - | - |
| Project accounting | ✓ | ✓ |
| **Compliance** |  |  |
| Tax compliance | VAT, MTD for Income Tax, CIS calculations | UK MTD (Making Tax Digital) |
| **Workflow** |  |  |
| Accountant collaboration | ✓ | ✓ |
| **Payments** |  |  |
| Payments capture | ✓ | ✓ |
| **Ecosystem** |  |  |
| API access | Full | Full |
| **Deployment** |  |  |
| Deployment | Cloud | Cloud |

*Source: vioscaleAI. Generated 2026-10-16T20:15:28.756Z. "-" = undocumented, not absent.*