# Xero vs Zoho Books

**Leader by Vioscale score:** Zoho Books

| Attribute | Xero | Zoho Books |
|---|---|---|
| **Vioscale score** | 49.4 (46% (low)) | 69.9 (73% (medium)) |
| deployment.options | `{"cloud":true}` | `{"cloud":true}` |
| description.long | A cloud-based accounting platform for small businesses that integrates invoicing, bill tracking, payroll, expense management, and tax reporting to automate financial tasks and ensure compliance with UK tax requirements. | 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,"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":"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":["GB","CA"],"notAvailableCountries":[]}` | `{"primaryMarkets":["GB"],"availabilityScope":"global","availableCountries":[],"notAvailableCountries":[]}` |
| platform.support | `{"web":true}` | `{"web":true}` |
| pricing | `{"type":"subscription","plans":[{"free":false,"name":"Grow","features":["Send invoices and quotes","Accept online invoice payments","Auto-reconcile transactions","Smart document capture with Hubdoc","View real-time reports and dashboards","Automate bill entry and track bills","Submit VAT returns to HMRC","Automate subcontractor CIS calculations","Forecast cash flow","Claim expenses and mileage","24/7 online support","MTD for Income Tax ready"],"commitment":"monthly","description":"For self-employed and growing businesses. Includes invoicing, bill tracking, bank reconciliation, document capture, VAT reporting, and performance dashboards.","contactSales":false}],"addOns":[{"name":"Payroll","components":[{"kind":"per_unit","unit":"person","amount":1.5,"period":"month","currency":"GBP"}]},{"name":"Expenses per additional user","components":[{"kind":"per_unit","unit":"user","amount":2.5,"period":"month","currency":"GBP"}]},{"name":"Automate CIS deductions"}],"currency":"GBP","freeTier":false,"sourceUrl":"https://www.xero.com/pricing-plans/standard/","retrievedAt":"2026-08-14T15:24:38.509Z","billingPeriods":["month"]}` | `{"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 | no | yes |
| pricing.model | commercial | freemium |
| pricing.price_level | unknown | low |
| pricing.transparent | no | yes |
| reliability.status_page | yes | yes |
| security.disclosure_policy | yes | yes |
| security.gdpr | yes | yes |
| security.iso27001 | yes | yes |
| security.pci | yes | - |
| security.soc2 | yes | yes |

## 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: Vioscale. Generated 2026-09-01T17:08:19.374Z. "-" = undocumented, not absent.*