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Zoho Books vs Xero vs ZarMoney - Top Accounting Showdown

Get ready to dive deep into the world of accounting software. If you've ever been curious about the giants in the accounting software game, this piece is just for you. Zoho Books vs Xero and...
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ZarMoney vs Quickbooks vs ZipBooks

Do you own a business and want to know how to make your company's accounting effortless? Well, the answer is to use an online accounting software. Online accounting software is essential for managing your business’s finance activities efficiently and saves much time and hassle with its efficient features. Using industry-leading accounting software 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 and excellent 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? To help you decide, we will be comparing the three tools in detail in this article so that you can easily pick the best one for you! Now, without further delay, let's get right into it. 

ZarMoney vs. Quickbooks vs. ZipBooks

1.   ZarMoney


ZarMoney is a leading cloud-based accounting software that is a perfect tool for businesses of all kinds and sizes. It offers unique and efficient features that will help you easily manage your business's accounting tasks. 

ZarMoney, as a top accounting and bookkeeping software, offers all the features that a company 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 also super helpful. All the users also love the customer support provided by ZarMoney because of how responsive they are. All these are reasons why users worldwide love using ZarMoney and highly recommend it as the best overall accounting software. It is a solution available for all kinds of businesses!


  • 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 POs
  • 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

Top 3 Features of ZarMoney

1.  Account reconciliation

Account reconciliation is a unique feature ZarMoney offers 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 and your company’s cash position. This way, you can make data-driven and calculated decisions, which will eventually help you ensure 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 gives you the ultimate flexibility and control to monitor your operations easily. The smart inventory system gives you access to all your data from anywhere, which is super convenient and improves productivity.

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 can also activate the auto-billing cycle to generate your invoices effortlessly. Another super helpful feature you can add is “Pay Now”. With this feature, the customers are able to pay directly from the received invoice. There is also an option of prepayment, an awesome feature that ZipBooks and Quickbooks do not offer. 


  • Easy and straightforward 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 tutorials 


  • Check template is challenging to adjust. 
  • No mobile data (but launching soon)


Zarmoney is a tool that offers a pricing plan for all types of businesses and budgets, no matter how small or massive, as it starts at only $15/month. The starter plan offered by this tool is affordable and offers more efficient features than any other tool’s basic plans. 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 


zarmoney testimonials

zarmoney testimonial


ZarMoney is an ideal tool for small, medium, and large organizations because of the unique and efficient feature set it offers. With ZarMoney, you can find a useful feature for every finance management activity, making this tool an elite name in the industry. Their 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 offers.

2.  Quickbooks Online

Quickbooks Online

Quickbooks is also a leading name for online accounting software. 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 valuable 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.


  • 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

Top 3 Features of Quickbooks Online

 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 anywhere. 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, this tool automatically calculates your sales tax, which is another super helpful thing about Quickbooks.

2.  Custom and professional invoices

QuickBooks allows you to easily create custom and professional invoices and get paid within days. There is nothing more beneficial for busy business owners than managing their invoices from one place, and this is precisely what QuickBooks lets you do. 

3.  Inventory Tracking

Inventory tracking is a time-consuming task that every company must do repeatedly. However, with QuickBooks, you can quickly and efficiently manage your stock. This way, you’ll be informed about your quantity 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. 


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


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


quickbooks testimonials

quickbooks testimonial


QuickBooks is a perfect fit for freelancers and small businesses. It is easy to set up, and the learning process is uncomplicated, making this tool a user favorite. Small business owners love the customization that QuickBooks offers, along with the control to easily manage all teams. It is also an ideal tool for growing businesses as it provides features that can really boost your company's growth. 

3.  ZipBooks


ZipBooks is a top-tier cloud-based accounting software. It provides financial reporting, core accounting, expense tracking, online invoicing, and much more that makes managing your finance activities an 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. 

With ZipBooks, you can work smarter and make your finance activities fast, simple, and convenient. With this tool, accounting and bookkeeping have never been easier! And all these are reasons why ZipBooks is loved by many users all around the world. 


  • 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

Top 3 Features of ZipBooks

1.  Project accounting 

This feature is super simple to use and saves 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. 


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


  • Lack of export options
  • Limited amount of reports 
  • Not very beginner-friendly


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


zipbooks testimonial

zipbooks testimonials


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 worldwide love the tool because of its ease of use and super-efficient features. 

Comparing ZarMoney vs Quickbooks vs 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 Prepayments

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



Best of the Best

1.   ZarMoney

ZarMoney is a powerful accounting software program tailor-made to fit various business requirements, including those of a bakery. It comes with advanced features such as real-time inventory management and advanced reporting. 

ZarMoney's inventory tracking system allows you to monitor stock levels, set reorder points, and even track goods across multiple locations. It is equipped with a user-friendly interface and supports online payments, making it easier to manage both inventory and sales. 

Regarding payment reminders, ZarMoney excels by automating this task so that you can focus on your bakery business. User reviews often highlight its excellent customer support options, which include live chat and 24/7 support.

2.  QuickBooks Online

QuickBooks Online is a renowned cloud-based accounting software that provides an extensive range of features suitable for bakery inventory management. One of its standout features is the ability to automatically track time for employee shifts and tasks. 

Financial reporting is another area where QuickBooks shines, offering robust financial reports that can be customized to fit specific business needs. It has an invoicing feature that supports unlimited invoices and a selection of customizable invoice templates. 

QuickBooks also allows digital payments through credit cards and offers features like payroll processing and tax deductions. While it may be a pricier option, its comprehensive set of features justifies the cost.

3.  ZipBooks

ZipBooks is a great option for bakeries operating on a tight budget. It offers a free plan that includes unlimited invoicing and basic financial reports. Even though it's affordable, it doesn't skimp on advanced features. 

For example, ZipBooks has a unique feature that uses machine learning to make smart suggestions for tax deductions. It supports online payments through various platforms and sends automatic payment reminders. 

Regarding ZipBooks vs. QuickBooks, ZipBooks offers fewer features but makes up for it with a more user-friendly interface. Though it does not offer as extensive inventory management as the other two, it offers enough to handle the essential accounting tasks of a small to medium bakery efficiently.

Final Verdict

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. After comparing 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. 

Frequently Asked Questions (FAQs)

1.  How do advanced features in ZarMoney enhance inventory management for a bakery?

ZarMoney’s advanced features in inventory management provide real-time tracking, allowing you to monitor stock levels with precision. Additionally, you can set reorder points to automatically restock essential ingredients. ZarMoney's multi-location tracking enables better control over inventory across multiple bakery outlets.

2.  What online payment platforms are compatible with QuickBooks Online?

QuickBooks Online supports a variety of online payments, including credit cards and third-party payment platforms. This flexibility simplifies the transaction process, meeting different business requirements for various payment methods.

3.  How does ZipBooks' machine learning feature optimize tax deductions?

ZipBooks uses machine learning algorithms to analyze your financial transactions and identify potential tax deductions. This advanced reporting feature ensures you capitalize on all possible deductions, improving your overall business finances.

4.  Can ZarMoney’s user interface be customized to suit individual accounting tasks?

Yes, ZarMoney offers a user-friendly interface that can be tailored to emphasize the accounting tasks most relevant to your bakery business. This personalized interface can streamline inventory management, financial reporting, and other key functions.

5.  How do QuickBooks Online’s financial reports compare to ZipBooks?

When it comes to financial reporting, QuickBooks Online offers more advanced reporting features than ZipBooks. QuickBooks allows you to deeply customize reports, meeting specific business requirements for financial analysis and long-term planning.

6.  Does ZipBooks offer unlimited invoicing, and can it be customized?

ZipBooks offers unlimited invoicing even on its free plan. It provides a selection of invoice templates that can be personalized, enabling you to send professional, branded invoices to your customers.

7.  What are the payroll processing capabilities in ZarMoney and QuickBooks Online?

Both ZarMoney and QuickBooks Online offer comprehensive payroll processing. They can manage employee salaries, calculate deductions, and even automate payments, freeing you from tedious payroll tasks and ensuring compliance with tax regulations.

8.  How effective are the payment reminders in these accounting software tools?

ZarMoney, QuickBooks Online, and ZipBooks all have automated payment reminders that notify you and your clients about upcoming and overdue payments. These reminders are a standout feature for timely payments and effective cash flow management.

9.  What types of customer support options are available for these accounting software programs?

ZarMoney offers 24/7 customer support through live chat and phone. QuickBooks Online also has robust customer support options, including forums and video tutorials. ZipBooks provides an extensive FAQ section, email support, and live chat, meeting various customer support requirements.

10.  How do these software solutions handle credit card payments?

ZarMoney, QuickBooks Online, and ZipBooks all offer the ability to accept credit card payments. This feature simplifies the transaction process and offers an additional layer of financial reporting for monitoring payment methods.

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