Like Wave, Zoho is an invoicing solution developed by a more general business software provider; just one software solution among a varied range of products. So how does Zoho rate next to the pure invoicing focus of Invoice Ninja? Let's explore the pros and cons.


Free up to 5 clients only

Zoho's free plan is very limited in terms of clients. Users are allowed up to 5 clients only, which means the free plan is not a good long-term option for freelancers or small business owners who are growing their business.

Free forever with 100 clients!

Invoice Ninja's free plan allows up to 100 clients. This is an excellent free option for freelancers and small businesses with plenty of room for growth, making it a truly 'free forever' option.

Payment Gateways

9 payment gateway options

While Zoho offers more payment gateway options than other online invoicing programs, it still offers far fewer than Invoice Ninja. Three of the nine available payment gateways are Paypal or Paypal-owned.

50+ payment gateway options

Invoice Ninja offers more than 50 payment gateway options, including a range of international and local payment processors. With Invoice Ninja, the entire globe has great payment coverage, and there are even specialized payment options available, such as Bitcoin.

Client Portal Password

Client must create password to enter portal

While it's great to be able to provide password protection for the client portal, with Zoho there is no option. Zoho's client portal can only be accessed by the client with a password. There's zero choice and zero flexibility.

Client portal password protect optional

With Invoice Ninja, the user can choose to password protect the client portal, or to leave it unprotected. What's more, the user can create a customized password for each client, or enable the system to automatically generate a random password for each client.



Outside of the Zoho solutions suite, the only integrations available are Slack, Google and Microsoft. This severely limits the user's options to integrate apps to their invoicing account.


Invoice Ninja offers integrations with Zapier, Softaculous and Integromat, a powerful combination that punches above its weight when it comes to integrating apps.

Vendors Management

No vendors management page

Although Zoho has an Expenses category, there is no way to separately manage vendor contacts. Vendors are simply recorded in the same list as 'customers'.

Complete vendors contact page

The Invoice Ninja system is built around list pages, such as Client list, Invoices list, Payment list and many more. There is also a Vendors list, which provides complete management of the contact list of vendors.

Invoice Preview

No invoice preview display

To preview an invoice with Zoho, the user must save the draft, navigate to the invoice list, and select the invoice from the list. What's more, the system will not allow the user to save an invoice draft before entering a product/service item. That's way too many steps just to view a simple invoice draft.

Live invoice PDF preview!

Invoice Ninja provides live PDF display during invoice creation. The PDF invoice display is updated in real time, and it is viewable on the same page. No extra clicks are required to view the invoice draft while the user is creating it.

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