QuickBooks and PayPal vs Zoho Books and PayPal

Which is better for freelancers and consultants in Australia? It depends on what you care about, so here are both answers and the arithmetic under them.

The short answer

QuickBooks and PayPal takes one of the four lenses and Zoho Books and PayPal none, and three are too close to call. They rate within a point of each other on every measure, so the choice comes down to cost and to how each one feels to work in.

QuickBooks and PayPal
1 of 4 lenses
Zoho Books and PayPal
0 of 4 lenses
Which stack leads under each lens
If you care most aboutQuickBooks and PayPalZoho Books and PayPal
Best all-rounderToo close to call, 2 apart (QuickBooks and PayPal is nominally ahead)7876
Best on a budgetToo close to call, 2 apart (Zoho Books and PayPal is nominally ahead)7274
Easiest to startQuickBooks and PayPal by 58681
Best as you growToo close to call7878

How they're built

QuickBooks and PayPal splits the work across QuickBooks Online and PayPal. Zoho Books and PayPal splits the work across Zoho Books and PayPal.

Which tool does each category in QuickBooks and PayPal and Zoho Books and PayPal
CategoryQuickBooks and PayPalZoho Books and PayPal
Accounting
AccountingQuickBooks OnlineQuickBooks OnlineZoho BooksZoho Books
Invoicing
InvoicingQuickBooks OnlineQuickBooks OnlineZoho BooksZoho Books
Taking payments
Taking paymentsPayPalPayPalPayPalPayPal

Greyed-out rows use the same tool on both sides. A category is one job a stack has to do; a tool is one product you sign up for.

Where they differ

Biggest gap first. These ratings don't move between lenses — only how much they count does.

QuickBooks and PayPal and Zoho Books and PayPal compared on the measures they differ on
MeasureQuickBooks and PayPalZoho Books and PayPal
Price as you grow1 step apart
Price as you grow1 step apartGood4 out of 5Excellent5 out of 5
Easy day to day1 step apart
Easy day to day1 step apartGood4 out of 5Fair3 out of 5
Works with the rest1 step apart
Works with the rest1 step apartGood4 out of 5Fair3 out of 5
Help when stuck1 step apart
Help when stuck1 step apartGood4 out of 5Fair3 out of 5
Easy to leave1 step apart
Easy to leave1 step apartFair3 out of 5Good4 out of 5

They rate the same on Price to start, Quick to set up and Local fit.

What you'd live with

The price to actually launch, the catches that come with it, and what you give up by picking one over the other.

QuickBooks and PayPal

Familiar books and the payment button clients recognise. Little to set up on either side, and support you can phone.

What each tool costs

QuickBooks Online
A$33/mo (Simple Start)
PayPal
2.90% + A$0.30 per payment, no monthly fee

Watch out for

The dearest way to get paid of the pairs here, and dearer still in the US and New Zealand.

Pick it if

Getting going this afternoon with tools your clients already use.

Momentum: Stable · Built from 2 tools · Checked Sep 18, 2026

All eight ratings for QuickBooks and PayPal

Zoho Books and PayPal

Free books and a payment method every client knows. The lowest fixed cost of any stack here, with the fees paid only when you get paid.

What each tool costs

Zoho Books
Free, then A$16.50/mo incl GST (Standard)
PayPal
2.90% + A$0.30 per payment, no monthly fee

Watch out for

PayPal takes the biggest cut of the payment tools, especially in the US and New Zealand.

Pick it if

A new freelancer who wants no monthly bill at all to begin with.

Momentum: Stable · Built from 2 tools · Checked Sep 18, 2026

All eight ratings for Zoho Books and PayPal