SumUp Invoices vs Zoho Invoice (2026): which should you pick?
As of Nov 13, 2026, we pick Zoho Invoice: it is third in our ranking of accounting and invoicing tools, and it grades higher too, 3.6 against 2.6.
Checked Oct 17, 2026 and Nov 13, 2026 · graded Oct 17, 2026 and Nov 13, 2026 by ToolGPA
Zoho Invoice grades higher on the free plan, ease of use and platforms. They get the same grade on value for money and features.
Price, platforms and features side by side. The table says where each price was read and when.
SumUp Invoices
Free invoices and quotes with a low-cost paid upgrade
Zoho Invoice
Free invoicing app from Zoho for freelancers and small businesses
Which one is for you
Pick SumUp Invoices if
- Fits if you take card payments with SumUp already
- Works for a UK sole trader who wants unlimited free invoices
Look elsewhere if
- Skip it if you want bank transfers into your own bank for free: that needs Plus
- Tight if you invoice in other currencies or languages, which needs Plus
- Watch out: the Plus price is in pounds, excludes VAT and the page shows only yearly billing
- Watch out: this is the UK listing, and the US page lists no paid plan
- Not for you if you need bookkeeping, since there is no ledger
Pick Zoho Invoice if
- Fits if you're a freelancer sending fewer than 500 invoices a year
- Works for teams already on Zoho CRM or Zoho Books
Look elsewhere if
- Too light for keeping the books, as it's invoicing only and hands that job to Zoho Books or QuickBooks
- Tight if you track time on more than 3 projects or need more than 2 users, since those are the caps
- Not for you if you only invoice now and then, as an account idle for 180 days gets deleted
- Tight if you send more than 500 invoices a year, as there's no paid plan to move up to
- Watch out: every invoice carries Powered by Zoho Invoice, and Zoho points larger needs to Zoho Billing
How we grade them
| 2.6GPASumUp InvoicesGood | 3.6GPAZoho InvoiceExcellent | |
|---|---|---|
| Value for money | AFree for unlimited invoices and quotes, and Plus is £7 a month on yearly billing, which is under the category's cheapest quarter. | AIt's free, and it covers quotes, recurring invoices, reminders, a customer portal, expenses and time tracking. There's no paid plan at all, where paid plans in this category start around $15 a month. |
| Free plan and trial | BUnlimited invoices and quotes, recurring invoices and reminders at no cost. The catch is that bank transfers go to a SumUp Business Account only, and there is 1 invoice language. | AEverything is free, with nothing held back for a paid tier. The caps are 2 users, 2 organizations, 3 projects and 500 invoices a year, and every invoice says Powered by Zoho Invoice. |
| Features | CInvoices, quotes, payments, reminders, reconciliation and UK tax reporting. It does invoicing fully, a smaller job than accounting: no ledger. | CQuotes, one-off and recurring invoices, reminders, online payments through several gateways, expenses, time on projects and reports. It does invoicing fully, but that's a smaller job than accounting: it hands off to Zoho Books or QuickBooks for the books. |
| Ease of use | CNo store rating on record, and you set up your business details and payment methods. | A4.86 from 14,879 App Store ratings, the top band. Making and sending an invoice is the whole job here, so there isn't much to learn. |
| Platforms and integrations | CWeb only, with no integrations or phone app on the listing. | AWeb, Windows, Mac, iPhone and Android, with Zoho Payments, PayPal, Stripe, Authorize.net, Zoho CRM, HubSpot, Slack and QuickBooks. That's every device type plus a list of connections. |
| Best for | a free invoicing tool if you already take cards with SumUp | free invoicing on every device |
The GPA is the average of the five grades: an A is 4 points, an F is none. The full reasons are on each tool's page: SumUp Invoices and Zoho Invoice. How we grade
Price against what you get
SumUp Invoices starts at about $9.38 a month and scores 2.0 out of 4 on features, ease of use and platforms. Zoho Invoice has no paid plan and scores 3.3.
Zoho Invoice scores higher and starts $9.38 a month lower. Of the other accounting and invoicing tools on the chart, 31 score higher than SumUp Invoices for less, and none scores higher than Zoho Invoice for less.
Features, ease of use and platforms, averaged
What paid plans start at, a month (each step along is roughly double) →
- The best score at each price
- Has a free plan
- No free plan
Where they differ
- SumUp Invoices also covers templates and quotes and estimates.
- Zoho Invoice also covers time tracking and expense tracking.
At a glance
| SumUp Invoices | Zoho Invoice | |
|---|---|---|
| Pricing | Free plan | Free |
| Starts at | £7 per month, billed annually, excluding VAT | Free |
| Free plan | Unlimited invoices and quotes, standard template, 1 invoice language, bank transfers into a SumUp Business Account only. | Free for every business: up to 2 users, 2 organizations, 3 projects and 500 invoices a year, with Powered by Zoho Invoice branding. |
| Free trial | 30-day free trial of Plus | None listed |
| Web | ||
| macOS | ||
| Windows | ||
| iOS | ||
| Android | ||
| Made by | SumUp Payments Limited | Zoho |
| Price read from | sumup.com | zoho.com |
| Checked | Nov 13, 2026 | Oct 17, 2026 |
Worth knowing
SumUp Invoices
- The listed Plus price is in pounds, excludes VAT and assumes yearly billing; the monthly rate is not shown.
- On the free plan, bank transfers go to a SumUp Business Account only, and only 1 invoice language is offered.
- Multi-currency invoices and bank transfers to any bank account need Plus.
- This is the UK listing; the US page lists no paid plan, so a US buyer may see different terms.
Zoho Invoice
- The free account allows 2 users, 3 projects and 500 invoices a year, and invoices carry Powered by Zoho Invoice branding.
- It is invoicing, not full accounting: it connects to Zoho Books or QuickBooks for the books, and Zoho points larger needs to Zoho Billing.
- Data of an account left inactive for more than 180 days is deleted within the following 20 days, after a warning.
Key features
SumUp Invoices
- Invoices and quotes
- Create unlimited invoices and quotes, convert a quote to an invoice, and issue credit notes and delivery notes.
- Several ways to get paid
- Customers can pay by online card payment, bank transfer, cash, Google Pay or Apple Pay, and invoices can be marked paid by hand.
- Recurring invoices and reminders
- Send invoices at regular intervals and set automatic email reminders for overdue payments. Both are on the free plan.
- Invoice design and languages
- Plus offers full customization of fonts, colors and layouts and invoices in 14 languages, including Dutch, German and Spanish.
- Reconciliation
- Free matches bank transfers to invoices through the SumUp Business Account; Plus does so for most banks.
- Tax reporting for the UK
- The site describes Making Tax Digital ready software that tracks income and expenses and sends updates to HMRC.
Zoho Invoice
- Quotes and invoices
- Create quotes, turn them into invoices, and send invoices by email or as PDFs from customizable templates.
- Recurring invoices and reminders
- Schedule invoices that repeat and send automatic payment reminders to customers who have not paid.
- Online payments
- Connect Zoho Payments, PayPal, Stripe, Authorize.net and other gateways so customers can pay invoices online.
- Expenses, time and projects
- Record and categorize expenses, log time and bill it to projects, up to three projects on the free account.
- Customer portal and reports
- Customers view and pay their invoices in a self-service portal, and reports cover sales, receivables and expenses.
Plans
SumUp Invoices
Invoices Free£0
Unlimited invoices and quotes, recurring invoices, credit notes and payment reminders; standard template, 1 language.
Invoices Plus£7
per month, billed annually, excluding VAT
Adds invoice design, 14 languages, multi-currency, bank transfers to any bank and priority support.
Zoho Invoice
Free$0
Quotes, invoices, recurring invoices, reminders, expenses, time tracking, a customer portal and reports, within the caps on users, projects and invoices.
Ways to pay less
SumUp Invoices
- Annual discount
Save 12% with yearly billing
SumUp's pricing page shows a 12% saving when Plus is paid yearly instead of monthly.
Zoho Invoice
No public discounts listed.
Common questions
Which is cheaper, SumUp Invoices or Zoho Invoice?
As of Nov 13, 2026, Zoho Invoice is cheaper to start with: it is free, against about $9.38 a month for SumUp Invoices. SumUp Invoices starts at £7 per month, billed annually, excluding VAT, and Zoho Invoice is free.
Which has a free plan, SumUp Invoices or Zoho Invoice?
As of Nov 13, 2026, both SumUp Invoices and Zoho Invoice have a free plan.
Which platforms do SumUp Invoices and Zoho Invoice run on?
As of Nov 13, 2026, only Zoho Invoice lists macOS, Windows, iOS and Android apps. Both list a web app. A platform missing from a listing is one its maker's pages did not mention.
More comparisons
How this page was made
- The verdict at the top follows a fixed rule. When both tools are in the same category and either is in our top three for it, the verdict follows that ranking: the higher-placed tool is our pick. The top three weigh who each tool suits as well as its grades, so a pick can go against the GPA. Otherwise the page does not pick one and says which grades higher: the higher GPA first; on a tie, the one with a free plan, then the one that starts cheaper in dollars a month, counted the same way for both; if they are still level, what the choice depends on.
- The grades are our own, from each tool’s review or report card. The GPA is their average.
- Prices, plans and platforms come from each tool’s listing. The table above says where each price was read and when.
- The differences and the answers to the questions are worked out from those listings.