ZarMoney Review 2026: Accounting Software, Online Invoicing, Bookkeeping

ZarMoney gives you a 15-day free trial to see if you enjoy the software — no credit card required. Once that ends, ZarMoney stores your data for 60 days if you need some time to decide.

You have three choices if you choose to upgrade. All come with the same suites of accounting/bookkeeping features:

• Accounts payables/receivables
• Bookkeeping
• Inventory management
• Productivity tools
• Reporting

The main difference between the three plans is the number of users you can add.

ZarMoney puts together a custom quote for Enterprise customers based on your company’s size and amount of users, but pricing starts at $350 per month. The company will give you a demo instead of a free trial for Enterprise.

ZarMoney’s customer support is on-point. Their agents know the software well and are friendly and helpful in answering questions. They offer excellent onboarding support, especially if you get an Enterprise plan. Additional customer support: Blog ZarMoney’s blog offers helpful posts on various accounting and small business topics.

Two of ZarMoney’s strengths are its ease of use and intuitive UI. Once you familiarize yourself with the program, finding your way around becomes quick and easy. Tutorial videos and help articles stand by if you ever need assistance.

Accounting Software

Dashboard

ZarMoney is often praised for its intuitive dashboard that offers a snapshot of your business finances.

In the dashboard, you can view many graphs illustrating metrics such as sales and expenses. Other information such as payables history and recent transactions are tucked neatly in as well.

Plus, ZarMoney users can customize the dashboard to display the information they’d like to see.

Invoicing/Accounts Receivable

ZarMoney offers a host of features to make invoicing a smooth process. You can customize each invoice, adjust payment terms, accept credit cards online, create and enforce credit limits/credit holds, and more. Recurring invoicing is on the way, too.

Plus, you can print, email, or fax your invoices, and you can send customers reminders and notifications about their orders.

Inventory Management

ZarMoney goes deep on inventory management. You can track your inventory levels and other relevant data points in real-time across several warehouses. There’s a ton of customization available and plenty of other advanced inventory features such as split POs and price adjustments for different customers.

Productivity

Use ZarMoney to maximize productivity and team effectiveness. Collaborate with your team using built-in messaging, schedule important tasks, write internal notes, attach files, set permissions and restrictions, and more.

Approve Bills

Erroneous bill payments can lead to costly cash flow issues, yet they’re all too common when you have several employees and a complex payables system. Fortunately, ZarMoney adds more security with a bill approval internal control. You can give an individual user permission to approve any bills before they are paid.

Monitor and categorize expenses for accurate financial tracking.

Streamline tax compliance with automated preparation tools.

Automate repetitive accounting tasks to boost efficiency.

ZarMoney was built to be an all-in-one accounting/bookkeeping solution. Consequently, it only integrates with a few other software programs, mostly productivity tools and payment processing products. Some examples include Shopify, Gusto, Mailchimp, Stripe, and Zapier.

Hopefully, ZarMoney adds more in the future.

Access accounting tools seamlessly across various devices.

Online Invoicing

ZarMoney Online Invoicing streamlines financial processes, enhancing efficiency and accuracy for seamless business operations.

Process payments seamlessly with integrated systems.

Track time spent on projects for accurate billing.

Keep a close eye on expenses for better financial management.

Available on multiple devices for accessibility.

Affordable pricing to fit varied business needs.

Bookkeeping

Invoicing/Accounts Receivable

ZarMoney offers several features to streamline your invoicing and accounts receivable. You can customize invoices, change payment terms, accept credit cards online, create and enforce credit limits/credit holds, send payment reminders, and more. ZarMoney is currently working on recurring invoices as well.

Vendors/Accounts Payable

ZarMoney handles the payables side of things, too. You can track your expenses and bills, automatically categorize expenses, manage your purchase orders, attach receipts, and even monitor for early payment discounts and automatically apply them if possible. There’s a payables calendar as well for easy bill tracking.

Plus, you can set authorized uses to approve A/P transactions, adding security to your payables process.

Bank Reconciliations

Reconciling your books with your bank account ensures accurate financials, helping you make informed decisions. ZarMoney makes it easy to identify discrepancies between the bank and your books and discover the reason behind the disparities.

Inventory Management

ZarMoney offers a lot in inventory management, helping you track things such as inventory and cost of goods sold in your books. You can monitor inventory levels and other relevant data in real time across several warehouses. There’s plenty of customization and other advanced inventory features like split POs and price adjustments for different customers.

Reporting and Analytics

ZarMoney offers several reports, including financial statements like your profit and loss statements and balance sheets. You can also generate AP/AR reports, 1099 reports, trial balances, and more.

Simplify and optimize tax filing with expert features and tools.

Automate repetitive tasks to improve efficiency and productivity.

ZarMoney is a comprehensive accounting and bookkeeping solution, so it only integrates with a few other software programs. Many of these are productivity tools and payment processing such as Gusto, Mailchimp, Shopify, Stripe, and Zapier.

Access and use on a variety of compatible devices.

Flexible pricing structures tailored to different needs and budgets.

ZarMoney’s an intuitive accounting platform that packs in plenty of features without getting too complicated. It excels in inventory management and invoicing, and it offers a wealth of customer support resources. All of this comes at an excellent price, especially if you’re a solopreneur or small business.

ZarMoney could add more integrations, but the company has a history of adding features to the platform. Overall, a lot of small to medium-sized businesses could benefit from ZarMoney.