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Invoa vs SQL Account Cloud
SQL Account is one of Malaysia's longest-established accounting systems; SQL Account Cloud is its subscription edition with LHDN e-invoicing and SST compliance.
Facts about SQL Account Cloud come from E Stream MSC Sdn Bhd's own pages (www.sql.com.my/pricing/), checked on 21 October 2026. “Not shown” means that page does not say; we do not guess. Invoa facts are from our pricing page, before SST. If something here is out of date, write to hello@invoa.io and we will correct it.
In short
- SQL Account Cloud is accounting software first: unlimited invoices, SST returns, and on Pro inventory, multi-currency and advanced reports. Many Malaysian accountants know it well.
- Invoa is the sales side done properly: proposals, quotations, invoices, a pay page, receipts and e-invoicing, plus expenses, bank matching and profit and loss, with exports that SQL Account imports.
- SQL Account Cloud starts at RM79 a month with per-user fees; Invoa starts free and its paid plans are RM39 and RM79 with people included.
Side by side
| Invoa | SQL Account Cloud | |
|---|---|---|
| Price to start | Free, 20 invoices a month | No free plan; the RM0 option is a demo with demo data |
| Cheapest paid plan | Core RM39 a month, before SST | Essential RM79 a month; SST treatment and annual pricing not shown |
| Users | Free 1 person; Core 3; Pro unlimited. Your accountant's seat is never counted. | RM60 a month per additional user; the number included is not shown |
| LHDN e-invoicing | LHDN MyInvois on every plan, including Free. Prigo X Technologies is the intermediary; you stay the supplier; the validated QR prints on the PDF. | On Essential and Pro |
| Online payment of your invoices | Pay page on every invoice through CHIP: FPX, cards, e-wallets and DuitNow, into your own CHIP account. Bank-transfer claims with proof upload too. | Not shown on the pricing page |
| Quotations and proposals | Proposals (written pages), quotations, proformas and delivery orders on every plan; the customer accepts online and the quotation converts to an invoice or a billing schedule. | Quotations: yes; written proposal pages: not shown |
| Recurring and milestone billing | Milestones and monthly instalments invoice themselves on the dates you set (Pro). | Not shown on the pricing page |
| Bank reconciliation | Import CSV or PDF statements, lines match payments and expenses, ask your accountant on any line (Core). | Yes, part of the accounting system |
| AI reading of supplier bills | Supplier bills read by AI into expenses: Free 10 a month, Core 200, Pro 500. | Not shown |
| Claude / ChatGPT | Claude and ChatGPT connector on every plan: read and draft; issue, send and record payments with your approval on Pro. Listed in the ChatGPT plugin directory. | Not shown |
| Free trial | 14-day Pro trial, no card. | Free demo |
| Full accounting | Profit and loss, cash flow, aged receivables and SST reports, with journal exports for SQL Account, AutoCount and Xero. Not a general ledger: no inventory, payroll or fixed assets. | Yes; Pro adds inventory, multi-currency, advanced reports and CTOS |
| Accountant access | Free accountant seat on every plan, with a console across all the companies they work on. | An extra user at RM60 a month unless included |
Choose SQL Account Cloud if
- Your accountant runs SQL Account and you want one system for invoicing and the books.
- You need inventory, multi-currency or the SST return produced inside the same software.
- A desktop-grade accounting package with a ten-year price guarantee suits how you work.
Choose Invoa if
- You want to start free and pay RM39 when you need the back office, with people included.
- You want customers to accept quotations and pay online (FPX, card, DuitNow) from the invoice itself.
- You want milestone and instalment invoices to go out by themselves, and reminders you do not have to remember.
- You want to keep SQL Account for the ledger: Invoa exports the journal in SQL Account's format.
Questions people ask
- Does Invoa export to SQL Account?
- Yes. Reports → Accountant exports produces a journal file your accountant imports into SQL Account, alongside the receivables and SST summaries.
- Can I use both?
- That is the common pattern: Invoa for quoting, invoicing, payments and e-invoicing day to day; SQL Account for the ledger, kept by your accountant from the export.
- Does SQL Account Cloud have a free plan?
- Its pricing page shows a free demo with demo data, not a free plan for your own company. Invoa's Free plan is for real use: 20 invoices a month with e-invoicing and the pay page.
Try Invoa free
Twenty invoices a month, e-invoicing and the pay page included, no card. Import your contacts and items from SQL Account Cloud in Settings → Import data.
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