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Invoa vs Zoho Invoice and Zoho Books
Zoho Invoice is a free invoicing app and Zoho Books is Zoho's accounting product; both are global products priced in US dollars with no Malaysia edition.
Facts about Zoho Invoice and Zoho Books come from Zoho Corporation's own pages (www.zoho.com/invoice/pricing/, www.zoho.com/books/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 If something here is out of date, write to hello@invoa.io and we will correct it.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
- Zoho Invoice is genuinely free (2 users, 500 invoices a year) and Zoho Books is a capable accounting system from USD 12 a month, inside the wider Zoho suite.
- Neither pricing page mentions LHDN MyInvois, FPX, DuitNow or a Malaysian payment gateway; Invoa is built around all four, priced in Ringgit.
- If you are a Malaysian business that must e-invoice, that is the deciding row.
Side by side
| Invoa | Zoho Invoice and Zoho Books | |
|---|---|---|
| Price to start | Free, 20 invoices a month | Zoho Invoice: free, up to 2 users and 500 invoices a year, "Powered by Zoho Invoice" branding; Zoho Books: free for 1 user + 1 accountant under USD 50k revenue |
| Cheapest paid plan | Core RM39 a month, before SST | Zoho Books Standard USD 12 a month, exclusive of local taxes |
| Users | Free 1 person; Core 3; Pro unlimited. Your accountant's seat is never counted. | Zoho Invoice 2; Zoho Books from 1 + 1 accountant, more on higher plans |
| 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. | Not shown on either pricing page |
| 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. | PayPal, Stripe and other global gateways; no FPX, DuitNow or Malaysian gateway listed |
| 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. | Estimates: yes; written proposal pages: not shown |
| Recurring and milestone billing | Milestones and monthly instalments invoice themselves on the dates you set (Pro). | Recurring invoices: yes |
| Bank reconciliation | Import CSV or PDF statements, lines match payments and expenses, ask your accountant on any line (Core). | Zoho Books: yes; Zoho Invoice: no |
| AI reading of supplier bills | Supplier bills read by AI into expenses: Free 10 a month, Core 200, Pro 500. | Zoho Books: receipt scanning on paid plans |
| 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. | Zoho Books: 14-day trial |
| 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. | Zoho Books: yes, general ledger and more; Zoho Invoice: no |
| Accountant access | Free accountant seat on every plan, with a console across all the companies they work on. | Zoho Books includes an accountant user |
Choose Zoho Invoice and Zoho Books if
- You are outside Malaysia or do not need LHDN e-invoicing, and you already use Zoho CRM, Mail or Projects.
- You bill in several currencies to customers abroad who pay by PayPal or Stripe.
- You want Zoho Books' full accounting with the rest of the Zoho suite around it.
Choose Invoa if
- You must issue LHDN e-invoices: Invoa submits to MyInvois from the invoice, on every plan.
- Your customers pay by FPX, DuitNow or Malaysian cards and you want that on the invoice, into your own CHIP account.
- You want prices in Ringgit before SST, and support from a Malaysian company.
- You would like to run the routine from Claude or ChatGPT with approvals.
Questions people ask
- Can Zoho do Malaysian e-invoicing?
- Zoho's own pricing pages for Invoice and Books do not mention LHDN MyInvois; check with Zoho for the current state of any add-on. Invoa submits as your appointed intermediary on every plan.
- Is Zoho Invoice's free plan bigger than Invoa's?
- Zoho Invoice allows 500 invoices a year with Zoho branding; Invoa allows 20 invoices a month (240 a year) with an Invoa line on the PDF, plus unlimited quotations, proformas, delivery orders and receipts, e-invoicing and the pay page.
- Can I move from Zoho to Invoa?
- Yes. Export customers, items and invoices from Zoho as CSV and import them in Settings → Import data.
Try Invoa free
Twenty invoices a month, e-invoicing and the pay page included, no card. Import your contacts and items from Zoho Invoice and Zoho Books in Settings → Import data.
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