# Wave vs Zoho Books

**Leader by Vioscale score:** Zoho Books

| Attribute | Wave | Zoho Books |
|---|---|---|
| **Vioscale score** | 63.2 (63% (medium)) | 69.9 (73% (medium)) |
| deployment.options | `{"cloud":true}` | `{"cloud":true}` |
| description.long | 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. | 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 | 8 | 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"]}` | `{"type":"subscription","summary":"Free tier for sole traders and landlords; paid subscription plans available","currency":"GBP","freeTier":true,"sourceUrl":"https://www.zoho.com/books","retrievedAt":"2026-08-14T15:23:56.826Z","billingPeriods":["month","year"]}` |
| pricing.free_tier | yes | yes |
| pricing.model | freemium | freemium |
| pricing.price_level | mid | low |
| pricing.transparent | yes | yes |
| reliability.status_page | yes | yes |
| security.disclosure_policy | - | yes |
| security.gdpr | - | yes |
| security.iso27001 | - | yes |
| security.soc2 | - | yes |

## 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: Vioscale. Generated 2026-09-01T17:10:04.194Z. "-" = undocumented, not absent.*