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Head-to-head · Accounts Receivable Software

Billtrust vs Zoho Invoice

  • Updated Oct 2026
  • Both researched from official sources
  • 6 checks side by side
Higher score Billtrust #1 in Accounts Receivable Software 8.8/10 Pricing on request ✓ 4 of 5 features Visit Billtrust
Zoho Invoice #6 in Accounts Receivable Software 8.5/10 Free plan Free plan✓ 5 of 5 features Visit Zoho Invoice

Billtrust leads on 0 checks, Zoho Invoice on 0, and 6 are even. Who comes out ahead on the 6 yes/no, price and count checks where we have data for both products. The editor score weighs everything else too.

Our verdict

  • Highest scoreBilltrust · 8.8/10
  • Free planonly Zoho Invoice
  • Most featuresZoho Invoice · 5 of 5

Billtrust scores higher on our rubric for accounts receivable software: 8.8 against 8.5 out of 10; our editors rank them #1 and #6.

Billtrust is the better fit for businesses needing invoicing, payments, and collections. Zoho Invoice is the better fit for small businesses needing free invoicing.

  • Billtrust fits best

    Businesses needing invoicing, payments, and collections

  • Zoho Invoice fits best

    Small businesses needing free invoicing

Advertiser disclosure: iTechGuides is reader-supported. Vendors can pay for top positions in our rankings and for a place on other products' pages, and we may earn a commission when you click some links. Bought places stand at the number bought; this page and our disclosure say so. Paying vendors may get a fuller, more detailed review from our editors, and that review can change their score. How we rank.

Side by side

Feature Billtrust 8.8/10 Visit ↗ Zoho Invoice 8.5/10 Visit ↗
At a glance
Editor score 8.8 8.5
Ranking #1 in Accounts Receivable Software #6 in Accounts Receivable Software
Best for Businesses needing invoicing, payments, and collections Small businesses needing free invoicing
Pricing model Paid Free
Starting price Pricing on request Free
Free plan Not checked yet ✓ (best)
Free trial — —
Deployment Cloud Cloud, Mobile
Platforms Web Web, iOS, Android
Support Docs Email, Live chat, Phone, Community, Docs
Compliance SOC 2, PCI DSS, ISO 27001 GDPR, SOC 2
Integrations 200+ integrations 6 integrations
Built for Mid-market, Enterprise Solo, Small business
Features Billtrust 4/5 · Zoho Invoice 5/5
Invoice tracking ✓ ✓
Overdue balance reports ✓ ✓
Payment reminders ✓ ✓
Customer payment portal ✓ ✓
Recurring invoices Not checked yet ✓ (best)
Specs
Invoice limit Not checked yet Not checked yet
Payment methods Both Both
Our review
Pros
  • Tracks invoices, automates reminders, and supports collections workflows
  • Offers branded portals with invoice search, balance management, and Autopay
  • Connects with major ERP, AP portal, bank, and financial systems
  • Free plan includes reminders, recurring invoices, and a customer portal
  • Supports online payments, aging reports, and customer balances
  • Available on web, desktop, mobile, and through an API
Cons
  • Pricing requires contacting sales rather than choosing a published self-serve plan
  • The platform may be broader than needed for businesses seeking basic invoicing
  • AI features are available, but their specific capabilities are not detailed
  • Free plan supports up to two users
  • Limited to up to three projects
  • Capped at up to 500 invoices per year
Our verdict

Billtrust is a cloud-based accounts receivable platform for B2B companies and finance teams managing invoice-to-cash workflows. It covers invoice generation, digital, email, print, AP portal, and electronic delivery, plus invoice tracking,…

Read the review →

Zoho Invoice is cloud-based invoicing software for small businesses, freelancers, consultants, agencies, and entrepreneurs. It covers invoice creation and customization, delivery by email, links, or PDF, online payments, recurring…

Read the review →
  1. BilltrustAccounts Receivable Software 8.8Pricing on request
  2. Zoho InvoiceAccounts Receivable Software 8.5Free plan

Strengths and trade-offs

  • Billtrust — where it wins

    • Tracks invoices, automates reminders, and supports collections workflows
    • Offers branded portals with invoice search, balance management, and Autopay
    • Connects with major ERP, AP portal, bank, and financial systems

    Where it doesn't

    • Pricing requires contacting sales rather than choosing a published self-serve plan
    • The platform may be broader than needed for businesses seeking basic invoicing
    • AI features are available, but their specific capabilities are not detailed

  • Zoho Invoice — where it wins

    • Free plan includes reminders, recurring invoices, and a customer portal
    • Supports online payments, aging reports, and customer balances
    • Available on web, desktop, mobile, and through an API

    Where it doesn't

    • Free plan supports up to two users
    • Limited to up to three projects
    • Capped at up to 500 invoices per year

More comparisons

All accounts receivable software comparisons → · Full ranking →

Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026

Last updated · How we research and update