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Head-to-head · Time Billing Software

Zoho Invoice vs Paymo

  • Updated Sep 2026
  • Both researched from official sources
  • 2 checks side by side
Higher score Zoho Invoice #6 in Time Billing Software 7.1/10 Free plan Free plan✓ 1 of 6 features Visit Zoho Invoice
Paymo #8 in Time Billing Software 6.7/10 Free plan · paid from $5.90/user/mo (annual) · 15-day trial Free plan✓ 0 of 6 features Visit Paymo

Zoho Invoice leads on 1 check, Paymo on 0, and 1 is even. Who comes out ahead on the 2 yes/no, price and count checks where we have data for both products. The editor score weighs everything else too.

Our verdict

  • Highest scoreZoho Invoice · 7.1/10
  • Free planboth
  • Most featuresZoho Invoice · 1 of 6

Zoho Invoice scores higher on our rubric for time billing software: 7.1 against 6.7 out of 10; our editors rank them #6 and #8.

Zoho Invoice offers recurring invoices; Paymo doesn't publish it.

Zoho Invoice is the better fit for free invoicing with basic time tracking. Paymo is the better fit for small teams wanting low-cost project billing.

  • Zoho Invoice fits best

    Free invoicing with basic time tracking

  • Paymo fits best

    Small teams wanting low-cost project billing

Advertiser disclosure: iTechGuides is reader-supported. We may earn a commission when you click some links. How we rank.

Side by side

Feature Zoho Invoice 7.1/10 Visit ↗ Paymo 6.7/10 Visit ↗
At a glance
Editor score 7.1 6.7
Ranking #6 in Time Billing Software #8 in Time Billing Software
Best for Free invoicing with basic time tracking Small teams wanting low-cost project billing
Pricing model Free Free plan + paid
Starting price Not published $5.9/user/mo
Free plan ✓ ✓
Free trial — —
Deployment Cloud, Mobile Cloud, Desktop, Mobile
Platforms Web, iOS, Android Web, Windows, macOS, Linux, iOS, Android
Support Email, Live chat, Phone, Community, Docs Email, Docs
Compliance GDPR, SOC 2 GDPR, 2FA
Integrations 6 integrations 14 integrations
Built for Solo, Small business Solo, Small business, Mid-market
Features Zoho Invoice 1/6 · Paymo 0/6
Invoice generation Not published Not published
Billable rates Not published Not published
Time approval Not published Not published
Expense billing Not published Not published
Recurring invoices ✓ (best) Not published
Client portal Not published Not published
Specs
Time capture Not published Not published
Our review
Pros
  • Free plan includes recurring invoices, reminders, portals, and reports
  • Accepts card, bank transfer, and payment gateway payments
  • Works across web, desktop, mobile, and API environments
  • Free plan includes unlimited time tracking and unlimited invoices.
  • Combines task views, scheduling, workload planning, expenses, and invoicing.
  • Runs on web, Windows, macOS, Linux, iOS, and Android.
Cons
  • Free plan is limited to two users
  • Free plan supports up to three projects
  • Time billing is less developed than dedicated products
  • The Free plan is limited to 1 client and 2 projects.
  • Advanced planning features require the Plus or Pro plans.
  • Paymo does not offer refunds.
Our verdict

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

Read the review →

Paymo is an online work and project management platform for small businesses and teams that bill for client work. It brings task management, project planning, team scheduling, time tracking, estimates, expenses, invoicing, online payments,…

Read the review →
  1. Zoho InvoiceTime Billing Software 7.1Free plan
  2. PaymoTime Billing Software 6.7Free plan · paid from $5.90/user/mo (annual) · 15-day trial

Strengths and trade-offs

  • Zoho Invoice — where it wins

    • Free plan includes recurring invoices, reminders, portals, and reports
    • Accepts card, bank transfer, and payment gateway payments
    • Works across web, desktop, mobile, and API environments

    Where it doesn't

    • Free plan is limited to two users
    • Free plan supports up to three projects
    • Time billing is less developed than dedicated products

  • Paymo — where it wins

    • Free plan includes unlimited time tracking and unlimited invoices.
    • Combines task views, scheduling, workload planning, expenses, and invoicing.
    • Runs on web, Windows, macOS, Linux, iOS, and Android.

    Where it doesn't

    • The Free plan is limited to 1 client and 2 projects.
    • Advanced planning features require the Plus or Pro plans.
    • Paymo does not offer refunds.
  • Zoho Invoice7.1/10 · Free plan

    A free invoicing platform with useful billing tools and basic time tracking.

    Visit Zoho InvoiceFull verdict →
  • Paymo6.7/10 · Free plan · paid from $5.90/user/mo (annual) · 15-day trial

    A low-cost billing workspace that connects tracked time, projects, expenses, and invoices.

    Visit PaymoFull verdict →

More comparisons

All time billing software comparisons → · Full ranking →

Reviewed by iTechGuides Editors · Editorial team · Updated Sep 2026

Last updated · How we research and update