ZipBooks vs Plooto

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Our analysts compared ZipBooks vs Plooto based on data from our 400+ point analysis of Accounting Software, user reviews and our own crowdsourced data from our free software selection platform.

Plooto Software Tool

Product Basics

ZipBooks is a cloud-based accounting and invoicing platform designed for entrepreneurs and small businesses. It works independently or with certified accountants who will prepare monthly financial statements for a user's business.

It's also available as an iOS app with credit card processing, chart of accounts, business listings, machine learning, time tracking, team management and other capabilities that are specifically designed for the app.
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Plooto is an automated accounts payable and receivable software that helps its users collect one-time or recurring payments and pay the vendors on time. It can integrate with QuickBooks and Xero. Businesses can reduce AR and AP processes with robust modules like pre-authorized debit agreements, customizable approval workflows and more. It allows payment approvals from the designated person from anywhere. With it, users can eliminate data entry problems and keep a complete audit trail of all transactions.
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$15 Monthly, Freemium
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Tailored to your specific needs
$25 Monthly
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Tailored to your specific needs
Small
Medium
Large
Small
Medium
Large
Windows
Mac
Linux
Android
Chromebook
Windows
Mac
Linux
Android
Chromebook
Cloud
On-Premise
Mobile
Cloud
On-Premise
Mobile

Product Assistance

Documentation
In Person
Live Online
Videos
Webinars
Documentation
In Person
Live Online
Videos
Webinars
Email
Phone
Chat
FAQ
Forum
Knowledge Base
24/7 Live Support
Email
Phone
Chat
FAQ
Forum
Knowledge Base
24/7 Live Support

Product Insights

  • User-Friendly Interface: Users don't require a master's degree in accounting to operate ZipBooks because its features and interface are intuitive, making it easy to use no matter the level of experience.  
  • Affordable: ZipBooks offers four payment options with distinct features such as free, smarter, sophisticated and the accountant plan offers adjustable pricing. This makes it a viable option for anyone with a small budget, such as small businesses or freelancers trying to get their careers off the ground. 
  • Knowledgeable Experts: ZipBooks' certified bookkeepers can provide users with financial advice and recommendations when assisting with accounting practices. 
  • Record and Document Tasks: Keeping track of every task, project and file can be cumbersome. Thanks to ZipBooks, users can create and allocate responsibilities to specific projects so everything is chronicled and accessible in one place.  
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  • Faster Payment Approval: Start approval processes immediately after account creation. Approve payments with a single click for one person or multiple people via the cloud. 
  • Seamless Money Transfer:: Send forms through emails to receiving parties to fill up their bank details and make payments after that. 
  • Automatic Invoice Reconciliation: Integrate with different accounting software. Mark payments as paid automatically after the transfer is complete. 
  • Flexible Payment Options: Provide various payment options. Clients can pay via credit cards or set up pre-authorized debits with an automatic withdrawal feature. 
  • Track Payments: Set up alerts for clients to notify about emails and get faster payments. Create reminders for nearly due or overdue payments. 
  • Network: Add vendors and suppliers quickly. Integrate business payments by credit cards, checks, e-transfers or ACH/EFT into a single platform. Gain real-time visibility into financial data and cash flows and reduce the overall cost. 
  • Security: Ensure the safety of sensitive bank details with its robust security feature. Offer comprehensive protection with the Automatic Clearing House and Electronic Funds Transfer Payment features. 
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  • Accountant Access: Users can easily share information with accountants and financial experts with ZipBooks' accounting accessory. This tool enables users to effortlessly track routine transactions and extend completely accurate data for filing taxes, preparing financial reports and asking for sound financial advice to their accountants. The accounts receivable feature enables users to monitor invoices and payments so the money they make and amounts they owe will promptly update in their accounts receivable reports. Users can also review what their clients have already paid, outstanding amounts and the normal amount of time it takes them to pay. Transactions made outside of ZipBooks can be added manually for full accuracy. 
  • Oversee Accounts Receivable: The accounts receivable tool enables users to review their accounts receivable history while also providing smart insights on which particular accounts are paying in a rational timeline. This module also extends an elaborate list of customers who make late payments so users can establish more payment reminders. Users can also create a snapshot of general payment trends in a given year for proper budgeting.  
  • Perform Accurate Bank Reconciliations: Users can employ the bank reconciliation extension in the accounting tool to automatically transfer transaction information into their ZipBooks account so they can always see the most current account balance. This function also allows users to sort and study transactions by placing a checkmark on each transaction that appears on users' bank statements. ZipBooks will even monitor transactions that aren't verified so users will always stay in the know about their finances. Other extensions included within the accounting tool include bank connecting, auto-categorization, chart of accounts, project accounting and tagging. This tool is also supplied with several reports such as aging, balance sheet, general ledger, income statement, taxes invoiced and trial balance. 
  • Regulate Billing Processes: ZipBooks' billing management accessory allows users to choose regular or subscription-based invoicing for constant billing to fit their needs. Users can personalize their invoices with logos, particular colors and contact information. This tool can also trace customer payments, invoice history, overdue balances and collected taxes and alert users when an invoice has been paid. The credit card processing extension enables users to accept payments from every major credit company from approximately 22 various countries. Users can also take digital payments from Square and PayPal.  
  • Initiate Concurrent Bills: Thanks to the recurring billing function, users can set up future payments and never worry about them getting to the right customer again. There are dynamic features users can adjust to instantly autofill invoices with precise customer information. This function can immediately bill customer credit cards on a monthly basis and securely store credit card information. Other functions that come with the billing module include estimates, invoices, customer management, mobile access, multi-currency, reminders, saved items, team management and time tracking.  
  • Machine Learning Insights: ZipBooks' machine learning function of the intelligence module is similar to adding a supercomputer to a user's team because it blends work with research to immediately pick a category for each transaction. The more users work with the machine learning tool, the more it can learn about the way they chronicle and sort their transactions until it can auto-categorize. If there's a classifying error, users can make the correction and the extension will learn from its mistakes. The machine learning function will also categorize every bank transaction that a user imports and provide a confidence score based on their accounting knowledge and history.  
  • Thorough Business Wellness Check: Users can implement the business health score extension to check and finetune the health of their business that will aid in making better business decisions. This function can search for concurrent clients, punctual payments, sales growth and repeating revenue. Other helpful functions within the intelligence accessory include invoice quality score, recommendations and smart search.  
  • Manage Billable Expenses: To get reimbursed for expenses users' business accrue for customers such as paint supplies needed to paint a house or parts to fix a car, users can develop a transaction, mark it as billable and add the name of the client to be billed with the billable expenses function in the expense management tool. The expense will be added to the customer's invoice. The vendor management extension enables users to view expense histories, keep vendor contact information updated, and review payments owed. When users attach a bill or expense to a vendor's name, ZipBooks will instantly pinpoint general contacts as vendors. If users no longer use someone as a vendor but want to keep their contact information handy, they can easily change the name back to contact. Other functions included in the expense management module include receipt saving and split categories. 
  • Deliver Review Invitations: ZipBooks' growth accessory's reviews extension enables users to automatically or manually send invitations via email or text message to clients to review their business online. Users can employ ZipBooks' widget component to share customer reviews onto their website. This extension also allows users to reply to customer reviews on Google, Facebook, Yelp and other platforms. 
  • Locate and Manage Search Ranks: The ranking function in the growth module permits users to see where their business ranks in search results based on specific keywords customers may use when searching for a business, service or product on maps, computers or mobile search apps. Users can accordingly add keywords for more insight and install parameters to identify searches within particular target areas. This function also allows users to track the progress of their rankings such as rising, falling or consistencies. Other extensions within the growth accessory include widgets and business listings.  
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  • Accounts Receivable: Import invoices and minimize authorization time with pre-authorized debit and recurring payments. Track invoices and get information on client payments. Gain complete visibility into pending, completed and new receivables from one place. 
  • Accounts Payable: Automate AP processes and control spending, time and efficiency. Import bills from the accounting software. Get notifications for requesting and receiving approvals. Add vendors, suppliers and billers in two clicks. Automate, route and personalize payment approvals using custom rules. Avoid lost invoices, manual AP tasks and paperwork. Obtain early payment discounts and ensure better cash management. 
  • International Payment: Transfer money within the US, Canada and other countries to run an international business. Make cross-border and international payments with a $9.99 fee. Get competitive exchange rates and manage different payment types on a single platform. 
  • CRA Payments: Make remittances to the Canadian Revenue Agency anywhere and anytime in one click. Facilitate touch-less government transfers with electronic workflows. 
  • Online Check Payment: Ensure faster and safer AP automation through electronic methods and traditional checks. Enable users to set up online payments and manage printing and shipping procedures. Allow automatic reconciliation with physical checks. Provide a complete audit trail of payments. 
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Product Ranking

#33

among all
Accounting Software

#187

among all
Accounting Software

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User Sentiment Summary

Excellent User Sentiment 300 reviews
Great User Sentiment 442 reviews
92%
of users recommend this product

ZipBooks has a 'excellent' User Satisfaction Rating of 92% when considering 300 user reviews from 5 recognized software review sites.

88%
of users recommend this product

Plooto has a 'great' User Satisfaction Rating of 88% when considering 442 user reviews from 2 recognized software review sites.

5.0 (15)
n/a
4.8 (78)
n/a
4.5 (93)
4.35 (221)
4.5 (99)
4.4 (221)
4.1 (15)
n/a

Awards

ZipBooks stands above the rest by achieving an ‘Excellent’ rating as a User Favorite.

User Favorite Award

No awards.

Synopsis of User Ratings and Reviews

Free Plan: ZipBooks offers a free plan that includes unlimited invoices, the ability to accept digital payments, and basic reporting features, making it a cost-effective solution for freelancers and small businesses with basic accounting needs.
User-Friendly Interface: The platform is known for its intuitive and easy-to-navigate interface, allowing users to quickly create professional invoices, track expenses, and manage their finances without extensive accounting knowledge.
Time Tracking: ZipBooks includes time-tracking tools that enable users to accurately record billable hours for projects and clients, simplifying the process of generating invoices based on actual time spent.
Integrations: ZipBooks integrates with popular payment gateways like PayPal and Square, as well as other business tools such as Slack and Google Calendar, streamlining workflows and reducing manual data entry.
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Streamlined Accounts Payable: Plooto simplifies the entire bill payment process, from data entry and approvals to scheduling payments and syncing with accounting software.
Enhanced Accounts Receivable: Plooto enables businesses to get paid faster by offering convenient payment options to their customers, such as credit cards and ACH transfers.
Improved Cash Flow Management: Plooto provides real-time visibility into cash flow, allowing businesses to make informed decisions about their finances.
Reduced Manual Data Entry: Plooto automates many of the tasks associated with accounts payable and receivable, such as data entry and reconciliation, which can save businesses time and money.
Increased Security and Compliance: Plooto uses bank-level security measures to protect financial data, and it is compliant with industry regulations.
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Limited Integrations: ZipBooks may not integrate with all the applications a business uses, potentially leading to manual data entry and reduced efficiency.
Scalability Concerns: Some users have expressed concerns about ZipBooks' ability to handle the needs of larger businesses or those with more complex accounting requirements as they grow.
Customer Support: While ZipBooks offers support, some users have reported challenges in obtaining timely or comprehensive assistance for their inquiries.
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Limited International Payment Support: Plooto primarily focuses on the Canadian market, with limited support for international payments, which can be a significant drawback for businesses with global operations.
ACH Payment Processing Time: ACH payments through Plooto can take several business days to process, potentially causing delays in vendor payments and impacting cash flow management.
Customer Support Challenges: Some users have reported difficulties reaching Plooto's customer support, particularly during peak hours, leading to frustration and delays in resolving issues.
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ZipBooks: Accounting made easy. ZipBooks is a cloud-based accounting software that helps small businesses manage their finances, but how does it stack up against the competition? Users appreciate its ease of use and affordability, making it a great choice for those who are new to accounting software or have a limited budget. The platform offers features like invoicing, expense tracking, and basic reporting, which are essential for many small businesses. However, some users have noted that ZipBooks lacks more advanced features found in other accounting software, such as inventory management and in-depth financial reporting. Additionally, customer support has received mixed reviews, with some users finding it helpful while others have experienced challenges. One of ZipBooks' unique features is its integration with popular business apps like QuickBooks, Google Drive, and Salesforce, allowing for seamless data transfer and increased efficiency. The software also includes project management tools, which can be beneficial for businesses that need to track time and tasks. ZipBooks offers a free starter plan, making it an attractive option for budget-conscious businesses. Paid plans provide additional features, such as payroll integration and reputation management. Overall, ZipBooks is a solid choice for freelancers and small businesses that prioritize ease of use and affordability. However, businesses with more complex accounting needs or those requiring extensive customer support may want to explore other options like QuickBooks Online or Xero.

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Plooto has garnered significant attention for its ability to simplify the often complex world of business finances. Users frequently highlight its user-friendly interface and affordability as key strengths, making it a popular choice for small businesses seeking an efficient accounting solution. The software's comprehensive features, including automated invoicing, payment processing, and international transaction capabilities, further enhance its appeal. Plooto's seamless integration with popular accounting software like QuickBooks and Xero eliminates the need for manual data entry, saving time and reducing errors. However, some users have pointed out that Plooto's initial setup can be challenging, and occasional slowdowns can occur. Security concerns have also been raised, prompting Plooto to continuously improve its safety measures. While Plooto excels in streamlining payment processes and basic accounting tasks, businesses requiring more advanced accounting functionalities or those with stringent security requirements may need to explore alternative options. In conclusion, Plooto is an excellent fit for small to medium-sized businesses seeking an affordable and user-friendly solution to manage their accounts payable and receivable processes. Its automation capabilities and integration with existing accounting software can significantly improve efficiency and reduce manual workload. However, businesses with complex accounting needs or heightened security concerns should carefully evaluate whether Plooto fully meets their requirements before committing. Remember, the software landscape is constantly evolving, so it's always wise to check for the latest updates and reviews to make an informed decision.

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