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ZipBooks vs Quickbooks vs ZarMoney: Detailed Review

Do you own a business and want to know how you can make your company's accounting effortless? well, the answer is to use an online accounting software. Online accounting softwares are essential for managing your business’s finance activities efficiently and also saves a ton of your time and hassle with the efficient features that they offer. And using the industry-leading accounting softwares like ZarMoney, QuickBooks, and ZipBooks can completely transform your working life and save you from all the repetitive time-consuming tasks by streamlining your workflow. 

All three of these tools have proven their worth to the customers by providing them with helpful features as well as awesome customer support. This is why all three of them hold the highest customer satisfaction ratings. So, now here comes a question, which one of them is better? Well, to help you decide we will be comparing the three tools in detail in this article so that you can pick the best one for you with ease! now without further delay, let's get right into it. 

An Overview of Zarmoney, Quickbooks online, and Zipbooks



QuickBooks Online


Customers & Account Receivable

Create and email Invoices

Recurring Invoices

Mileage Tracking

Credit Limit & Credit Hold

Accept Online Payments


Receive ACH Payments


Quotes / Estimates

Sales Orders


Order Status


Customer Statement



Accept Pre-payments

Notification via Text & Email

Vendors & Account Payable





Automatic matching

Payable Center & Calendar


Approve Bills


Payment Discounts


Receipt Attachment

Related Transactions


Automatic Expense Recording


Customizable Dashboard

Collaborate with your team


File Attachment


Access from everywhere


Mobile App

Coming soon


Internal Notes


Advance user Permissions

Restricted IP Access

Notification via Text & Email

Organize Customers with Custom Fields


FIFO Cost Methods


Inventory Management


Manage Multiple Warehouses

2 Step Warehouse Transfer


Customizable Units of Measures

Get real-time inventory data


Product Category

Customizable Product Fields

Item Tracking and History


Compare Received Inventory with PO’s

Create Pick Lists


Split Transactions with Enhanced Inventory Receiving


Bank Connection


Bank Account Reconciliation

Profit & Loss


Sales Tax

More advance


Bank Deposits


Import bank transactions


Fund Transfers


Journal Entries



Insight ™


1099 Reporting


Balance sheet


Trial Balance


Account Receivable (A/R)

Account Payable (A/P)


Comprehensive Reporting


An Introduction to ZarMoney, QuickBooks, and Zipbooks



ZarMoney is a leading cloud-based accounting solution that is a perfect tool for businesses of all kinds and sizes. It offers unique and efficient features that will help you manage your business's accounting tasks with ease. It really offers all the features that a business might possibly need and that too in a super affordable price range. It also helps you save a lot of your time by letting you automate repetitive and time-consuming tasks. 

Plus, ZarMoney makes payments uncomplicated by improving the transaction processes. Detailed analytics and customizable reports offered by this software are super useful as well. The customer support offered by ZarMoney is also loved by all the users because of how responsive they are. And all these are reasons why users all around the world love using ZarMoney and highly recommend it as well as the best overall, accounting software. It is a solution available for all kinds of businesses!


Quickbooks Online

Quickbooks is also a leading name when it comes to online accounting softwares. If you have a small to medium-sized business, then this tool is a perfect fit for you. The features of QuickBooks like bill pay, invoicing, expense tracking, and tax preparation services are super helpful in managing your accounting activities. It offers a variety of other useful features and when it comes to accounting specifically, Quickbooks is the name that is highlighted usually at the very top. Overall, it is a very well-known software and has been greatly loved by small business owners since its launch.



ZipBooks is a top-tier cloud-based accounting software. It offers financial reporting, core accounting, expense tracking, online invoicing, and much more that makes managing your finance activities a simple and effortless task. This tool is a perfect fit for small to medium-sized businesses. It is designed to make the accounting tasks of your business simple and quick. Another awesome thing is that it is compatible with multiple currencies. Overall, with ZipBooks you can work smarter and make your finance activities fast, simple, and convenient. We can really say that with the use of this tool, accounting and booking keeping has never been easier! And all these are reasons why ZipBooks is loved by many users all around the world. 

The main differences between ZipBooks vs Quickbooks vs ZarMoney

Here are some of the main differences between these three tools;

1. Perfect-fit features for?

ZarMoney is an accounting software that offers features for all kinds and sizes of businesses. On the other hand, Zipbooks is a perfect fit for freelancers, sole proprietors, and small businesses. And QuickBooks Online offers features that are useful for only small and medium-sized businesses. For larger companies and organizations, ZipBooks and QuickBooks do not have a lot of features to offer. 

2. Affordability 

When it comes to affordability, QuickBooks is pretty affordable as it starts from $4.80/month however if we compare the features offered in Quickbooks starter plan and Zarmoney’s starter plan we can say that ZarMoney is a lot more affordable as it offers better features even in its starter plan which costs $15/month (enterprise plan). ZipBooks stater paid plan is also $15/month which makes it a good alternative to ZarMoney. 

3. Free Plan

The free version is only offered by ZipBooks. However, both ZarMoney and QuickBooks offer a free trial. 

Features list

Here are all the features offered by these tools;


These are the incredible features offered by this tool;

  • Invoicing
  •  Accept Credit Cards Online
  •  Accept ACH Payments
  •  Quotes / Estimates
  •  Sales Orders
  •  Quick Sales
  •  Customer Statement
  •  Accept Prepayments
  •  Payment Terms
  •  Notification via Text & Email
  •  Organize Customers with Custom Fields
  •  Order Status
  •  Credit Limit & Credit Hold
  •  Recurring Invoices
  • Inventory Management
  •  Manage Multiple Warehouses
  •  Create Pick Lists
  •  Split Transactions with Enhanced Inventory Receiving
  •  Price Level
  •  Get real-time inventory data
  •  Customizable Units of Measures
  •  Barcode
  • Product Category
  • Customizable Product Fields
  • Item Tracking and History
  • Compare Received Inventory with PO’s
  • 2 Step Warehouse Transfer
  • Bank Connection
  • Import bank transactions
  • Divisions & Classes
  • Bank Account Reconciliation
  • Chart of Account
  • Sales Tax
  • Bank Deposits
  • Fund Transfers
  • Journal Entries
  • Insight ™ (customizable reporting)
  • 1099 Reporting
  • Profit & Loss
  • Balance sheet
  • Trial Balance
  • Account Receivable (A/R)
  • Account Payable (A/P)
  • Comprehensive Reporting
  • Scheduler
  • Advance user Permissions
  • File Attachment
  • Customizable Dashboard
  • Notification via Text & Email
  • Collaborate with your team
  • Internal Notes
  • Access from everywhere, and much more!


Here are some of the best features offered by this tool;

  • Custom invoices and quotes
  • Organized expenses in one place
  • Bank feeds
  • GST & VAT
  • Inventory 
  • Capture and organize receipts
  • Insights and reports
  • Multi-currency support 
  • Safe and secure information 
  • Inventory tracking
  • Manage budgets
  • Manage employees 
  • Free iPhone and Android apps
  • Accountant access 
  • Billable Items 
  • Tracking
  • Billing & Invoicing
  • Billing Portal
  • Budgeting/Forecasting
  • Cash Flow Management
  • Cash Management
  • Categorization/Grouping
  • Chart of accounts
  • Charting
  • Check Printing
  • Asset Accounting
  • Asset Lifecycle Management


  • ACH Payment Processing
  • API
  • Account Reconciliation
  • Accounting
  • Accounts Payable
  • Accounts Receivable
  • Activity Dashboard
  • Approval Process Control
  • Automatic Billing
  • Automatic Time Capture
  • Bank Reconciliation
  • Billable & Non-Billable Hours
  • Billing & Invoicing
  • Bookkeeping Services Integration
  • Budgeting/Forecasting
  • CPA Firms
  • Cash Management
  • Categorization/Grouping
  • Check Processing
  • Collaboration Tools
  • Contact Database
  • Contingency Billing
  • Credit Card Processing
  • Customizable Branding
  • Customizable Invoices
  • Customizable Reports
  • Data Import/Export
  • Discount Management
  • Document Management
  • Document Storage
  • Employee Database
  • Estimating
  • Expense Tracking
  • Financial Reporting
  • For Government
  • Fund Accounting
  • General Ledger
  • Hourly Billing
  • Income & Balance Sheet
  • Inventory Management
  • Invoice History
  • Invoice Management
  • Mobile Payments
  • Mobile Receipt Upload
  • Mobile Time Tracking
  • Monitoring
  • Multi-Currency
  • Multiple Billing Rates
  • Nonprofits
  • Online Invoicing
  • Online Payments
  • Online Time Tracking
  • Partial Payments
  • Payment Processing
  • Payroll Management
  • Profit/Loss Statement

The best features offered by these tools!

Best features offered by ZarMoney.

1. Account reconciliation

Account reconciliation is a unique feature offered by ZarMoney that the other two tools in this comparison do not offer. With this super-smart feature, none of the details go unnoticed. You can get an awesome bird's eye view of all your business transactions as well as your company’s cash position. This way you can make data-driven and calculated decisions which will eventually help you make sure that your business proceedings are done smoothly.

2. Advanced inventory management

ZarMoney is a complete inventory management and control software for all sizes of businesses, even the growing ones. The advanced inventory management feature is designed for the effortless and efficient management of multiple warehouses. It enables you the ultimate flexibility and control to easily monitor your entire operations. The smart inventory system gives you access to all your data from a single place which is super convenient and improves productivity as well.

3. Seamless invoicing and billing 

With ZarMoney, invoicing and billing are super uncomplicated and hassle-free tasks. You can make custom invoices that best fit your business needs. You are also able to activate the auto-billing cycle for generating your invoices effortlessly. There is another super useful feature that you can add called “Pay Now”. With this feature, the customers are able to pay directly from the received invoice. There is also an option of prepayment which is an awesome feature that ZipBooks and Quickbooks do not offer. 

Best features offered by QuickBooks 

Here are the top 3 features offered by this tool;

1. GST & VAT

With this feature, you can make your finance overseeing an effortless job because it lets you manage all your tax information from a single place. You’ll be able to know exactly how much tax you have to pay and will be able to avoid forgetting the due dates. Plus, you can automatically calculate your sales tax with this tool which is another super useful thing about Quickbooks.

2. Custom and professional invoices

With this tool, you can easily create custom and professional invoices and get paid within days. There is nothing more useful for busy business owners than being able to manage their invoices from one place and this is exactly what Quickbooks lets you do. 

3. Inventory 

Inventory tracking is a very time-consuming task that every company has to do repeatedly. However, with QuickBooks, you can easily and efficiently manage your stock. This way you’ll be informed about what quantity you have exactly and what you need to order. This tool's inventory is auto-updated so you can say goodbye to manual inventory maintenance. You can also organize your inventory with images, prices, and categories. Sounds awesome, doesn't it!

Best features offered by ZipBooks  

Here are the top 3 features offered by this tool;

1. Project accounting 

This feature is super simple to use and saves a lot of your time and effort because it has a built-in time tracker. You can easily make projects, assign a contractor for the project, tag the income and expenses of the project, and much more with the help of this convenient feature. You can also convert the billable expenses into invoices during invoice creation. Plus, you can also create estimates from the invoice tab.

2. Banking and cash management

Once you turn on “Reconciliation” from the account setting on ZipBooks, reconciling your checking account becomes effortless. The way this feature works is that it only shows the difference between the bank balance and the book. So if you want to reconcile the balances all you have to do is just uncheck the items presented by the tool. You can also make an adjustment entry.

3. Reporting

The reporting feature offered by ZipBooks is one of its strong points. This feature lets you generate reports that should be present in your accounting software. 

Which one’s better?

When it comes to features, we can see that we have a clear winner, ZarMoney. ZarMoney indeed offers some top-notch features. This tool is not only an elite accounting software but it is useful for everyone in your team. Features like 1099 preparation, aging tracking, data extraction, PO reconciliation, and much more are offered by ZarMoney. Zipbooks and Quickbooks also offer some excellent features but none that can top the ones offered by ZarMoney. 

ZipBooks vs Quickbooks vs ZarMoney: Pros & Cons

Here are the pros and cons of ZarMoney, QuickBooks, and ZipBooks;


The pros and cons of this tool are as follows;


  • Easy and simple to use
  • Easy to set up
  • Affordable
  • Beginner-friendly
  • Offers a wide range of features
  • Offers unique features
  • Great customer service
  • Best for all business sizes
  • Great functionality
  • Supports multiple platforms 
  • Offers useful tutorials 


  • Check template is a bit difficult to adjust. 
  • No mobile data (but launching soon)


The pros and cons of this tool are as follows;


  • Very responsive software.
  • Offers a great library of add-ons. 
  • Smart features
  • Good for small businesses
  • Customizable 
  • Ability to access from anywhere 


  • Not enough features offered
  • Unknown errors frequently occur
  • Tricky to use 
  • Not beginner-friendly 
  • No “undo” button.  


The pros and cons of this tool are as follows;


  • Great user experience
  • Free starter version
  • Perfect for small businesses
  • affordable


  • Lack of export options
  • Limited amounts of report 
  • Not very beginner-friendly

Let's have a look at their pricing plans

Zarmoney’s Pricing Plans

Zarmoney is a tool that offers a pricing plan for all types of businesses and budgets, no matter small or huge as it starts at only $15/month. The starter plan offered by this tool is not only affordable but it offers the most efficient features than any other tool’s basic plans, sounds awesome, doesn't it! 

You can try ZarMoney for free. However, there are paid plans available with more advanced and unique features. 

  • Entrepreneur plan - $15/month (per user)
  • Small business - $20/month (per user)
  • Enterprise - starts from $350/month 

QuickBooks Pricing Plans

  • Simple start plan - $8/month 
  • Essential plan - $12.50/month
  • Plus plan - $17/month 
  • A 30-day free trial is available with each plan. 

ZipBooks Pricing Plans

  • A free version is available.
  • Smarter plan - $15/month
  • Sophisticated plan - $35/month 
  • Accountant plan - custom pricing 

What are the users saying about these tools?

In this section, we are going to have a look at the reviews and testimonials of ZarMoney, ZipBooks, and QuickBooks from the top sources, Capterra and G2. So let’s get on with it!

What the users are saying about Zarmoney

What the users are saying about QuickBooks

What the users are saying about ZipBooks 

ZipBooks vs Quickbooks vs ZarMoney: Which tool is perfect for you?

Keeping your finances in order is absolutely essential for smooth business processing. No matter how big or small your company is, finance management is something that is essential. For that, the best tools that you can use, are online accounting software like ZarMoney, ZipBooks, and Quickbooks. All three of these tools are the industry leaders because they have been able to achieve the highest customer satisfaction rates. Plus, they offer features that are super helpful and unique too, when it comes to ZarMoney. 


Now all three of these tools have their pros and cons, it all comes down to your business requirements, needs, and company size. After reading through our article, you can easily figure out which tool is right for you! 

Who is ZarMoney perfect for?

ZarMoney is an ideal tool for small, medium, as well as large organizations because of the unique and efficient feature set it offers. With Zarminey you can find a useful feature for every finance management activity which makes this tool an elite name in the industry. It offers features like account reconciliation, PO reconciliation, 1099 preparation, API, quote generation, financial analysis, data extraction, and much more which the other tools don't. no matter the size of your business, ZarMoney has features that can be super useful for you. So if you are looking for a complete tool that offers all the possible features that you might need for your company's account management, then look no further, because ZarMoney is one of the best options for you. Even if you have a small budget, ZarMoney surely offers a plan that fits your price range. The free trial also lets you get first-hand experience with all that ZarMoney has to offer so that you don’t have to worry about your money going to waste. ZarMoney offers you the finest user experience that any accounting software has to offer. 

Who is QuickBooks perfect for?

QuickBooks is a perfect fit for freelancers and small businesses. it is easy to set up and the learning process is also uncomplicated which makes this tool a user favorite. The small business owners really love the customization that QuickBooks offers along with the control to manage all teams with ease. It is also an ideal tool for growing businesses as it offers features that can really give your company a boost in growth. 

Who is ZipBooks perfect for?

ZipBooks is the perfect tool for sole proprietors, consultants, freelancers, and small businesses. It is a very user-friendly tool so it is perfect for beginners as well. So you don't have to be very tech-savvy to use it. The built-in training tools will also help you a lot as well. It is a relatively new accounting software however it has proved its worth. Customers all around the world love the tool because of its ease of use and super-efficient features. 

Why do most users prefer ZarMoney over Quickbooks online and ZipBooks?

Well, the main reason is that most users find ZarMoney a complete solution for their accounting tasks. it is because of the unique features that this tool offers which are perfect for any kind and size of business. especially the features mentioned above which the other two tools do not offer. Plus, the customer support offered by this tool is also incredible and fast. Another thing that earns this tool a golden point is that all the plans are comparatively affordable and offers an awesome range of features even in the basic plan. Overall, ZarMoney is a one-in-all accounting solution that small to large corporations, all can use. It really has everything that you need to keep your business accounts straight, exactly the way you want!

Zipbooks vs Quickbooks vs ZarMoney: So who wins?

Overall, after looking at the comparisons of ZarMoney, Zipbooks, and Quickbooks in different categories, we can say that all three of them are close competitors. This is the reason why all of them are the industry's top names. However, if we can call one tool a winner that would be ZarMoney. It is because of the unique set of efficient features that this tool offers. Zipbooks and Quickbooks also offer awesome features, but nothing that could top ZarMoney’s collection of unique and efficient features. 

The next thing is that ZarMoney is a perfect accounting software for all kinds and sizes of businesses. And on the other hand, Zipbooks and Quickbooks Online are a good fit for small to medium-sized businesses but not for larger companies and organizations. Another thing that earns ZarMoney a golden point and makes it the winner of this comparison is its 100% customer satisfaction rate and top-rated platform support! So we can certainly say that ZarMoney is the best online accounting software that can fit all your accounting requirements effortlessly!

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