PayHOA vs Zoho Books: Which Should You Choose in 2026?
Choosing between PayHOA and Zoho Books comes down to understanding what each tool does best. This comparison breaks down the key differences so you can make an informed decision based on your specific needs, not marketing claims.
By Toolradar Team · Last updated February 28, 2026 · Methodology
Short on time? Here's the quick answer
We've tested both tools. Here's who should pick what:
PayHOA
All-in-one software to manage your community, automate invoicing, and streamline HOA accounting.
Best for you if:
- • Automates HOA invoicing, payments, and comprehensive accounting.
- • Streamlines homeowner communication and request management.
Zoho Books
Comprehensive accounting as part of the Zoho ecosystem
Best for you if:
- • You want the higher-rated option (8.4/10 vs 0.0/10)
- • You want to try before committing
- • Zoho Books is cloud accounting software for small businesses
- • It provides invoicing, expenses, and bank reconciliation
| At a Glance |  PayHOA |  Zoho Books |
|---|---|---|
Price | Paid | Free + Paid |
Best For | Accounting | Accounting |
Rating | —/100 | 84/100 |
| Feature | PayHOA | Zoho Books |
|---|---|---|
| Pricing Model | Paid | Freemium |
| Editorial Score | — | 84 |
| Community Rating | No ratings yet | No ratings yet |
| Total Reviews | 0 | 0 |
| Community Upvotes | 0 | 0 |
| Categories | AccountingInvoicing | AccountingInvoicing |
How PayHOA and Zoho Books Compare
PayHOA
All-in-one software to manage your community, automate invoicing, and streamline HOA accounting.
Paid
Zoho Books
Comprehensive accounting as part of the Zoho ecosystem
Free tier available · 84/100 score
Who Should Use What?
On a budget?
Zoho Books has a free tier. PayHOA is paid only.
Go with: Zoho Books
Want the highest-rated option?
Zoho Books scores 84/100. PayHOA is unrated.
Go with: Zoho Books
Value user reviews?
Neither has user reviews yet.
Go with: Zoho Books
3 Questions to Help You Decide
What's your budget?
PayHOA is paid. Zoho Books is freemium. Zoho Books lets you start free.
What's your use case?
Both are accounting tools. Compare their specific features to decide.
How important are ratings?
Not all tools have been rated yet.
Key Takeaways
Zoho Books
- Higher score: 84/100 vs unrated
- Free tier available
- Our pick for this comparison
PayHOA
The Bottom Line
Zoho Books (84/100) is our pick.
Frequently Asked Questions
Is PayHOA or Zoho Books better?
Zoho Books scores 84/100 in our evaluation. PayHOA is paid and Zoho Books is freemium.
What are PayHOA and Zoho Books used for?
PayHOA: All-in-one software to manage your community, automate invoicing, and streamline HOA accounting.. Zoho Books: Comprehensive accounting as part of the Zoho ecosystem.
What does PayHOA cost vs Zoho Books?
PayHOA is a paid tool. Zoho Books is freemium (free tier + paid plans). Visit their websites for detailed pricing.