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Sobre Zoho Books

Software de contabilidade simples e fácil de usar, para lhe ajudar a gerenciar os negócios de maneira inteligente!

Saiba mais sobre o Zoho Books

Vantagens:

Incredibly good value for the price (way cheaper than Freshbooks/Quickbooks). Integrates well with the rest of the Zoho suite.

Desvantagens:

No matter how many times you call or email, no one follows up - and if they do it's certainly not in a timely manner.

Notas do Zoho Books

Pontuação média

Praticidade
4,3
Atendimento ao cliente
4,2
Recursos
4,2
Relação qualidade/preço
4,4

Probabilidade de recomendação

8,3/10

O Zoho Books tem uma classificação geral de 4,4 em 5 estrelas com base em 619 avaliações de usuários no Capterra.

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Kelvin
Director Technical Services
Usuário do LinkedIn Verificado
Consultoria de gestão, 11–50 funcionários
Usou o software para: 1 a 5 meses
Fonte da avaliação

Zoho Books is a very easy program to setup and use. Not a lot of modifications required.

5,0 há 3 anos
Legendas em português disponíveis no player de vídeo
Larissa
Administradora, Brasil
Agricultura, 11–50 funcionários
Usou o software para: Avaliação gratuita
Fonte da avaliação

Avaliação do Zoho Books

5,0 há 6 meses

Comentários: Minha experiência tem sido ótima, pois o Zoho Books é simples, eficiente e tem recursos avançados para ajudar na gestão financeira da empresa.

Vantagens:

Gostei pelo Zoho Books ser um software fácil de usar para controle financeiro. Nele consigo conectar sua conta bancária e importar os extratos automaticamente. Isso ajuda a controlar as finanças e fazer reconciliações mais rapidamente. Além disso, tem muitos relatórios disponíveis que ajudam a entender o desempenho financeiro do seu negócio

Desvantagens:

Não há queixas para apontar até o momento.

Rita de Cassia
ceo, Brasil
Rede de computadores, Profissional autônomo
Usou o software para: 1 a 5 meses
Fonte da avaliação

Ziho Books uma contabilidade prática para você!

4,0 há 11 meses

Comentários: Zoho Books é um software de contabilidade abrangente que oferece uma ampla gama de recursos para nos ajudar a gerenciar as finanças com eficiência. É uma opção que simplifica as tarefas contábeis e ajuda a tomar decisões financeiras mais informadas e adequadas.

Vantagens:

o Zoho Books é baseado na nuvem, o que significa que você pode acessar seus dados de qualquer lugar, a qualquer momento, por meio de dispositivos conectados à Internet.

Desvantagens:

Tenho dificuldade em usar algumas de suas opções, precisaria cursos para tanto.

Lucimar
Diretora, Brasil
Mercado de capitais, 2–10 funcionários
Usou o software para: Avaliação gratuita
Fonte da avaliação

Zoho Books, uma ferramenta inovadora

5,0 há 4 meses

Comentários: Minha experiência com o zoho tem sido excelente, é um ótimo programa.

Vantagens:

O zoho book é um programa intuitivo e de uso descomplicado, gosto muito de todos os recursos e todos são muito uteis no meu dia a dia profissional.

Desvantagens:

Não tenho nada pra criticar negativamente ou ressalvas a fazer.

Thiago
Programador, Brasil
Software, 2–10 funcionários
Usou o software para: Avaliação gratuita
Fonte da avaliação

Avaliando o Zoho Books

5,0 há 6 meses

Comentários: No geral, estou muito satisfeito com a experiência, o Zoho é um ótimo programa.

Vantagens:

Configurar e usar o sistema é fácil, o que torna o controle financeiro da minha empresa muito mais simples. O Zoho Books oferece várias ferramentas úteis, como emissão de faturas online, controle de gastos, conciliação bancária e relatórios detalhados.

Desvantagens:

O que eu menos gostei no Zoho Books foi a falta de recursos avançados de relatórios e análises.

Denise
Ceo, Brasil
Usuário do LinkedIn Verificado
Mercado de capitais, 2–10 funcionários
Usou o software para: Avaliação gratuita
Fonte da avaliação

Avaliação do Zoho books

5,0 há 5 meses

Comentários: Estou muito satisfeita com o Zoho books, aprendi rápido e ele tem me ajudado muito.

Vantagens:

O Zoho Books é um programa contábil simples de usar, mesmo para iniciantes como eu, com ele posso configurar fluxos de trabalho automáticos para tarefas repetitivas.

Desvantagens:

O que menos gostei no Zoho Books foi a falta de opções de personalização.

VALTAIR
Empresario, Brasil
Contabilidade, 2–10 funcionários
Usou o software para: Avaliação gratuita
Fonte da avaliação

Avaliando o Zoho Books

5,0 há 4 meses

Comentários: Minha experiência com o zoho books tem sido muito boa.

Vantagens:

Gosto da facilidade de usar e do layout do programa. O zoho me oferece uma boa gestão de tempo em atividades.

Desvantagens:

Gostaria de ter uma maior integração com outros sistemas.

Rexie
Rexie
Director, Reino Unido
Usuário do LinkedIn Verificado
Automotivo, 2–10 funcionários
Usou o software para: 1 a 5 meses
Fonte da avaliação

Brilliant Accounting and Book Keeping software!

5,0 ano passado

Comentários: Great! Not been using it long but it is a vast improvement on functionality and reporting compared to old software.

Vantagens:

Love the customer portal! Our clients can use self service to manage their account with us and get all their invoice and payment records as well as access to documents like our T&Cs. The invoice generating is very quick and easy with lots of customisation and extra data collecting boxes. The app is reliable and easy to use with lots of functionality too. Retainer invoice function is great for us as we offer clients a promotion to top up their account in advance to receive discounts on future invoices so this works perfectly!

Desvantagens:

There is no auto connection to my particular bank yet so can't connect it all automatically as I did with my previous software however it allows for bulk uploads so you can still reconcile everything.

Alternativas consideradas anteriormente: Xero

Razões para escolher o Zoho Books: Lack of additional functions and reports weren't as relevant to our needs. Zoho Books came free with Zoho One plan and we were paying for Quickbooks so made sense to cut this cost.

Software anterior: QuickBooks Online

Razões para mudar para o Zoho Books: It was included in Zoho One plan

Krishna
Krishna
Human Resources Generalist, EUA
Usuário do LinkedIn Verificado
Hospitais e Saúde, 5.001–10.000 funcionários
Usou o software para: Mais de dois anos
Fonte da avaliação

It's an excellent internet service for small businesses

4,0 há 2 anos

Comentários: In general, Zoho Books is the finest accounting software for start-ups and small businesses. The following functionalities are included in this simple to use application: Assign Shortcuts, Create Quick Reports a UX that is easy to use, Software as a service (SaaS): It's simple to use and integrates well with the rest of the Zoho suite. Updates that arrive quickly and on a frequent basis.

Vantagens:

As a whole, Zoho Books is an excellent tool for new businesses and organizations. It's an excellent choice. Having everything in one location is a great feature of this book. The reports are highly user-friendly, and the balance is simple to handle. Books has a wide range of features and is well-integrated with the company's other products.

Desvantagens:

When a financial institution makes an update, Zoho Books takes a long time to make the change, making it difficult to keep track of all expenditures. Statement import instructions are out-of-date. Customer service is terrible; no one ever tells you when an issue will be fixed.

Phillip
President, EUA
Engenharia mecânica ou industrial, 2–10 funcionários
Usou o software para: Mais de dois anos
Fonte da avaliação

Great Software

5,0 há 2 meses Novo

Comentários: I really enjoyed this software. It is must easier to use than most of its competitors. It is also having some of the best pricing vs performance that I have found.

Vantagens:

Zoho was very easy software to setup for someone who does not have a lot of experience. We used this software to mostly to track estimates. When estimates were approved and accepted by the customer it was simple to turn them into invoices.

Desvantagens:

Once you add certain items into the system they cannot be deleted. For example, if you accidently add a wrong item you will have to cancel it out on the books with another entry.

Alternativas consideradas anteriormente: QuickBooks Online

Razões para escolher o Zoho Books: Price and availability. It was simple enough that we could use what we needed in the program.

Software anterior: Sage 50cloud Accounting e QuickBooks Online

Razões para mudar para o Zoho Books: The price and overall feel of the product.

Cassi
Operations & Finance Director, EUA
Saúde, bem-estar e condicionamento físico, 2–10 funcionários
Usou o software para: 6 a 12 meses
Fonte da avaliação

It's easy to use but that's as far as it goes

2,0 há 5 anos

Comentários: The overall experience with Zoho Books has been disappointing. We were told that they were capable of so much more than what they seem to be able to deliver on. There's no real good workflow capabilities and no real way to automate processes that the user imports over and over again. If you're just starting out and don't have many sales (especially online sales) or a big budget, this is great accounting software for the value. The fact that the software developers are unable to transfer books from their own platform to an upgraded version or new version of it makes it completely incompatible with any business that is hoping to scale or merge with another company unless you have a bunch of extra staff or hours on your hands as you will be importing every transaction one by one manually.

Vantagens:

It's easy to use if you're doing simple bookkeeping

Desvantagens:

This software is not made for those wanting to automate as much of the workflow as possible. It is also not for businesses hoping to scale with the software. The software link to the bank account and credit card frequently breaks leaving the user to have to sync manually. I have contacted customer service regarding this issue but there does not seem to be a solution. If you're looking to upgrade from a beta or lower version of books to a newer version, Zoho is not capable of transferring your old books to a new account so the user is left having to manually important each entry one by one which is ridiculous and tedious. I cannot understand why the software developer is unable to do this simple task when they were able to do it when transferring the books from Xero or QuickBooks. I’m glad others are having such success with the software but from my standpoint as an accountant I just do not see the value of the software for any company looking to scale in a digital world of eCommerce and automation, especially if the company is utilizing Amazon’s platform. The workaround I have had to implement to balance the account receivables and payables from those sales instead of having a successful either add-on or API like those of QuickBooks and Xero has also resulted in extra work which could all be automated if only the software had the capability.

Miguel
Financial Advisor, EUA
Banco de investimento, 51–200 funcionários
Usou o software para: Mais de um ano
Fonte da avaliação

Efficient and flexible financial management

5,0 há 4 meses

Comentários: Zoho Books is a reliable and comprehensive platform for enterprise financial management. With its wide range of features, it simplifies and optimizes financial processes.

Vantagens:

I like that it allows you to automatically import bank transactions, streamlining the reconciliation process and reducing manual errors. In addition, custom rules can be set up to automatically categorize transactions, saving time in manual sorting. Zoho Books is highly customizable and allows tailoring financial reports to our specific needs.

Desvantagens:

On occasion, I have experienced delays and load times when accessing certain functions or working with large data sets.

Darren
Director, Reino Unido
Importação e exportação, 2–10 funcionários
Usou o software para: Mais de dois anos
Fonte da avaliação

Powerful and Invaluable tool at an incredible price

4,0 há 6 meses

Comentários: We love Zoho ability to access from anywhere and allows a business owner to monitor things even when they are not on site. The ease of use and consistency makes it very easy for training purposes and day to day use.

Vantagens:

We love the way you can add further modules and expand into other areas like inventory with ease. The support is fast and efficient with a positive outcome every time. The consistency through every module bill s, invoicing, purchasing makes it a breeze to operate.

Desvantagens:

The only one annoyance is the search from some screens you need to know the exact customer name or item name to search. Where as some screens use a keyword search which is easy and fast to locate the information.

Alternativas consideradas anteriormente: QuickBooks Online

Razões para escolher o Zoho Books: Lack on consistency with previous product and even doing the slightest thing seemed over complicated.

Software anterior: PowerQuote

Razões para mudar para o Zoho Books: With the ability to integrate other modules was vital to us. The product had more vital features like re occurring invoices and billing. Stock control was important and a lot of other products don't have this ability alongside things like project managment.

Raksha
Raksha
Operations Analyst, Índia
Usuário do LinkedIn Verificado
Publicidade e marketing, 10.000+ funcionários
Usou o software para: Mais de um ano
Fonte da avaliação

Comprehensive Review of Zoho Books: The All-in-One Accounting Solution

5,0 ano passado

Comentários: Overall, the experience with Zoho Books is generally positive. The software is well-designed, user-friendly, and provides a range of features to support accounting and financial management. The integrations with other Zoho apps and tools are a big plus for businesses that already use Zoho products. The mobile app is also a useful feature for businesses that need to access financial information on the go.

Vantagens:

I liked the following features of Zoho BooksUser-friendly interface with quick access to important featuresIntegrations with Zoho apps and third-party toolsAutomated invoicing and payment trackingMulti-currency supportBudgeting and financial reportingMobile app availableAffordable pricing, including a free planStrong customer support.

Desvantagens:

Along with Pros, these are the limitations I faced:Limited inventory management featuresLack of advanced project management featuresBasic time tracking functionalitySome features can be confusing for new usersLimited integrations compared to other accounting softwareLimited customization options for invoices and other forms.

Alternativas consideradas anteriormente: FreshBooks e QuickBooks Online

Razões para mudar para o Zoho Books: Its worth considering that we chose Zoho Books over alternative products due to its user-friendly interface, integrations with other Zoho apps, affordable pricing, and strong customer support. Additionally, the software's focus on automating invoicing and payment tracking is a major selling point for businesses looking to streamline these processes.

Haythum
IT Engineer, Emirados Árabes Unidos
Rede de computadores, 11–50 funcionários
Usou o software para: Mais de dois anos
Fonte da avaliação

Zoho Books review

5,0 há 9 meses

Comentários: Since more than 4 years of using Zoho Books it's fantastic and positive experience

Vantagens:

Zoho Books integrates with other Zoho applicationsZoho Books has an easy interface that makes it easy to navigate and use itStrong financial management capabilities

Desvantagens:

in Zoho Books can't customize more advanced financial reportsZoho Books is more costly compared to other accounting software specially when advanced features are needed

Joel
Program Manager, EUA
Serviços meio ambientais, 201–500 funcionários
Usou o software para: Mais de um ano
Fonte da avaliação

An outstanding accounting software

5,0 há 2 meses

Comentários: Zoho Books has made accounting reliable and efficient.

Vantagens:

I like the way the software allows us to reconcile various transaction hence eliminating errors in reporting. Its ability to integrate it with inventory management makes it even better.

Desvantagens:

Their customer support is a bit slow in response but generally, I cant complain because they always offer help.

Gatuko
Accounting Manager, EUA
Serviços ao consumidor, 51–200 funcionários
Usou o software para: Mais de um ano
Fonte da avaliação

An Amazing Accounting Tool For Business

4,0 há 2 meses Novo

Vantagens:

I like that Zoho Books makes handling online payments and accounting easy It makes payment processing a breeze and handles most of our accounting needs It handles accounts payable and comes with lots of data security features

Desvantagens:

Using Zoho Books is super easy and all has worked in our favor. No complaints.

Anne
Owner, EUA
Publicidade e marketing, Profissional autônomo
Usou o software para: Mais de dois anos
Fonte da avaliação

All the functionality of QuickBooks - and more - at a much better price

5,0 há 4 anos

Comentários: Zoho Books has everything I need to keep my books in order, bill my clients, and track my time and expenditures. I've been very happy with this product.

Vantagens:

Zoho Books does everything that QuickBooks does in a much more intuitive interface. It provides a ton of flexibility in looking at things from both accrual and cash methods, offers a free seat for my accountant, and allows me to track my time and bring it directly into my invoices. The ability to take pics of receipts and enter expenses directly from my phone app is great, too.

Desvantagens:

I wish that other software providers would wake up and realize that QB isn't the only game in town. Make it easier to integrate with Zoho, please! I've had some trouble syncing with my bank in the past and it took a while for customer service to understand what was really going on - there are some language barriers. But their CS agents do seem to try to help.

Alternativas consideradas anteriormente: QuickBooks Online e Wave

Razões para escolher o Zoho Books: Wave only allows for accrual-based accounting, which is severely limiting. Wave also makes some odd duplicate transactions when you're entering transfers and line items for invoices.

Software anterior: Wave

Razões para mudar para o Zoho Books: Zoho books has everything QuickBooks has at a much lower price. And Wave and And.co had too many limitations.

Bob
owner, EUA
Varejistas, 2–10 funcionários
Usou o software para: Mais de um ano
Fonte da avaliação

great option for accounting software

4,0 há 3 anos

Comentários: There's been a little bit of a learning curve - there are a few things that are just done a little differently than in other software. However, I've been able to accomplish everything I had in previous software. The most significant aspect to me, though, has been that Zoho offers a lot of accompanying software - i.e., not software that's needed to make Books work, but software with complementary uses - without seeming like they're trying to squeeze every last dollar out of me. Quite unlike Intuit.

Vantagens:

It does everything that I need it to do, and for far less than it's competition.

Desvantagens:

There are a couple things that could be streamlined, although they don't lessen to actual functioning of the software.

Alternativas consideradas anteriormente: FreshBooks, Wave e Xero

Razões para escolher o Zoho Books: Intuit just keeps increasing the price on pretty much everything, justifying it by claiming to add features - though the added features never had any use to me. Plus, I needed to lease a number of add-ons to be able to have QBO work the way I'd expect it to.

Software anterior: FreshBooks, Wave e Xero

Razões para mudar para o Zoho Books: Functionality and cost. I used Quickbooks-Desktop for years, but the online software that's been developed more recently has too many advantages to keep using it. I also used Xero for a few years, and liked a lot of features - but it seemed geared for a different kind of business and lacked a few things I needed. Then I tried Quickbooks Online - it was barely within my budget, but I liked the features - but then they increased the price (significantly) after only one year of using it. But Zoho has really fit the bill - all the functionality I need, and at a price that's just a fraction of QBO's.

Anthony
University Intern, Equador
Usuário do LinkedIn Verificado
Fabricação elétrica/eletrônica, 1.001–5.000 funcionários
Usou o software para: 1 a 5 meses
Fonte da avaliação

Zoho Books: An efficient and user-friendly accounting software.

4,0 há 11 meses

Comentários: As an IT intern at the university, I had the opportunity to use Zoho Books for financial management. Overall, I found the software to be user-friendly and offering a great deal of useful features, such as invoice management and expense tracking. Additionally, I really liked the integration of Zoho Books with other Zoho services, such as CRM and Human Resources, which made collaboration and project management easier.

Vantagens:

Zoho Books is an online accounting and invoicing software that offers a wide range of features at an affordable price. With this tool, users can manage invoices, payments, expenses, and time tracking all in one integrated platform. Zoho Books also offers integration with other Zoho services, such as CRM and Human Resources, which makes collaboration and project management easier. Additionally, the software allows for task automation and customization of templates and workflows, increasing efficiency and saving time in financial management.

Desvantagens:

Despite the extensive feature set that Zoho Books provides, some users can find the user interface to be too complex, and it might take some time to become accustomed to all the possibilities. In addition, integration with third-party services may be limited compared to other popular accounting software and more economical plans might not include certain sophisticated capabilities like inventory management and budgeting.

Immaculate
Finance Director, África do Sul
Serviços e tecnologia da informação, 201–500 funcionários
Usou o software para: Mais de dois anos
Fonte da avaliação

Zoho for small to medium business

5,0 ano passado

Comentários: This software is great for our business.

Vantagens:

This software it's very easy to setup and start using it. Even the free version is very rich in functionality. Once you have set it up you can also install the mobile app to keep up with the business. You can even create customer on the mobile app, invoice them, recon payment and send statements. The recurring schedule invoice are such a great feature. You can even setup reminders for unpaid invoices. Month end you can pull reports and understand your business

Desvantagens:

The bank connection doesn't always work nicely, sometimes it delay to update and end up sending incorrect statements to customers.I wish the clone customer was also available on the mobile app.

Babu
CEO, Índia
Publicidade e marketing, 2–10 funcionários
Usou o software para: Mais de um ano
Fonte da avaliação

Zoho Books reconciles bank statement automatically and GST filing is way better than anything else.

4,0 há 4 anos

Comentários: Overall, it's a boon, If you are in India then this is the takeaway software as it helps ease in filing GST reports.

Vantagens:

This software when I started using I thought I made a wrong choice but as in when I started managing my accounts & Books for my business, It became my friend, an accountant indeed it did everything that an accountant would do with very little accounting knowledge. The best part is if you are a startup company and you do not have strict compliances then this is for you, you don't have to hire an accountant and DIY. :)

Desvantagens:

Support is the only part which sometimes made me upset as the Employees were not uniformly assisting as if they were not trained on customer service. The worse thing is they just have support for technical help and no bookkeeping support.

Alternativas consideradas anteriormente: QuickBooks Desktop Enterprise

Razões para mudar para o Zoho Books: Features & pricing were the two elements that made me choose ZohoBooks.

Derek
CEO, África do Sul
Publicidade e marketing, 2–10 funcionários
Usou o software para: Mais de um ano
Fonte da avaliação

Zoho books - my best friend!

4,0 há 2 anos

Comentários: With Zoho we are able to easily stay on top of our finances with limited effort required. The ability to correct historical errors easily makes maintaining and accurate general ledger a breeze. I really like the professional look and feel of the documents generated such as invoices, orders etc.

Vantagens:

With unparalleled customisation and ease of use as well as the the ability to correct previous errors Zoho books has made the accounting function so much simpler than our previous software. The automation of numerous tasks has been especially useful. The professional way in which we are able to engage with our customers and suppliers has also raised our credibility.

Desvantagens:

Probably the only criticism I can raise is that the reporting section could offer more month by month reports as a standard feature, although they may be easily configured using the tool provided.

Alternativas consideradas anteriormente: Xero

Razões para escolher o Zoho Books: Based on an old database structure which was inflexible.

Razões para mudar para o Zoho Books: The value proposition of Zoho One with the multiply module functionality was very compelling and the Books module was able to more than cater for our small business requirements.

Becky
Becky
Software Developer, EUA
Usuário do LinkedIn Verificado
Hospitais e Saúde, 51–200 funcionários
Usou o software para: Mais de um ano
Fonte da avaliação

We can track all invoices with Zoho books

4,0 ano passado

Comentários: In terms of billing, invoicing, tracking payments, and maintaining an accurate inventory count, I can confidently say that this experience has been nothing short of remarkable thus far.

Vantagens:

Having 2nd factor authentication and many ways to retrieve transactions, as well as everything else you would need to keep your business functioning, are two features I particularly appreciate.

Desvantagens:

This is the trickiest part because I can't really think of anything I dislike; however, I do have some comment on the quality of customer support and the requirement of an internet connection.

Cheikh
Zoho Books, Senegal
Contabilidade, Profissional autônomo
Usou o software para: 6 a 12 meses
Fonte da avaliação

Good software for beginners

5,0 há 3 anos

Comentários: Zoho Books made my job easier and saved me a lot of time.

Vantagens:

Zoho Book is a good software if you are starting out in a small business. What impresses me most about Zoho Book is the BRS statement. It's an excellent feature that prints all the required details very clearly, just as we intended. The automated bank flow is another feature that saves you a lot of time. The advantage of Zoho Books is that it can be linked to your online sales sites easily. 
 
Another positive aspect of Zoho Books is that its delivery always comes with many integrated functionalities such as stock management, sales and purchase booking, payroll processing, etc. To conclude, Zoho Books is easy to understand and its configuration is quick and easy. The automation of the system is great and you save a lot of time. The customer support is also very responsive and usually fixes your worries.

Desvantagens:

The major problem with Zoho Book is that it is only practical with a small business. It is better to choose another software like Wave if your business is large. Finally, the other blockage is that Zoho Books is based on the Cloud so without a connection you can go and have a nice cup of hot coffee (LOL).

Alternativas consideradas anteriormente: Xero

Razões para escolher o Zoho Books: Zoho Books functionalities were limited

Software anterior: Wave

Sanjay
Owner,
Fabricação elétrica/eletrônica, 51–200 funcionários
Usou o software para: Mais de dois anos
Fonte da avaliação
Fonte: SoftwareAdvice

Zoho Books: Accounting software for Sma and Medium Enterprise

4,0 há 7 anos

Comentários: Overall good software for small and medi enterprise with good features.

Vantagens:

Zoho books is cloud based accounting software with many impressive features. Below are the pros of ZOHO Books 1. Zoho comes with many inbuilt accounting software features like inventory management, Payroll processing, Sales and Purchase booking etc. 2. Can be integrated with your online shoping websites like shopify, woocommerce and many more. 3. Automatc recurring expense booking like depreciation, monthly rent etc. 4. Zoho has rebust cloud technology and provides 99.99% downtime, also provides top security for your data protection. 5. In cloud based software there is negligible risk of data loss as service provider regularly takes backup of data. 6. Cloud based software are are far better than DOS based or windows based softwares. 7. Zoho books is available with reasonable price compared to other cloud based software.

Desvantagens:

1.As compared to Quickbooks online many features are missing. 2.Disadvantage of cloud based software is it becomes difficult to shift to windows based software as data can not be transferred easily. 3. Zoho attracts consumer by quoting very less fees for 1st year but from next years there is steep increase in charges.