Zoho Invoice Alternative: No Account, No User Caps
How StiffProof compares to Zoho Invoice — free-plan limits, branding, and what actually requires a Zoho account.
| StiffProof | Zoho Invoice | |
|---|---|---|
| Account required | No — no signup at all | Yes, even on the free plan |
| Free plan document caps | None, ever | Up to 500 invoices/year, 2 users, 3 projects — plus "Powered by Zoho Invoice" branding on every document |
| Paid plan | $9/mo flat ($90/yr), no per-invoice metering | None for Zoho Invoice itself — past the free-plan limits, Zoho points you to Zoho Billing, a separate product with its own pricing |
| Card processing fee | 3.4% + 30¢ (0.5% platform fee on top of Stripe) | No Zoho markup published — you connect your own payment gateway (Stripe, PayPal, etc.) and pay that gateway's standard rate directly |
| Ads | Never | Not applicable |
Zoho Invoice figures retrieved from their pricing page on 2026-09-10. Pricing changes without notice — verify before quoting it elsewhere.
Frequently asked questions
- Does Zoho Invoice require an account?
- Yes — Zoho Invoice is free but requires creating a Zoho account, and its free plan is capped at 500 invoices a year, 2 users, and 3 projects, with "Powered by Zoho Invoice" branding on every document. StiffProof's generator works with no signup at all, with no document cap and no branding to remove.
- Is there a paid tier of Zoho Invoice for more invoices or no branding?
- Not as a direct upgrade — Zoho's own pricing page lists no paid plan for Zoho Invoice; past the free-plan limits, it points you to Zoho Billing, a different product with its own separate pricing. StiffProof is one flat $9/mo for the whole account tier, and no feature you already had ever moves behind it.
- Does Zoho Invoice take a cut of online payments?
- Not that it publishes — Zoho Invoice doesn't list a markup of its own; you connect your own Stripe, PayPal, or other gateway account and pay that provider's standard rate directly. StiffProof's payments layer is a flat 3.4% + 30¢ per card charge (0.5% platform fee on top of Stripe's own rate) and 1% capped at $10 for ACH, published on the pricing page. Retrieved from zoho.com/us/invoice/pricing, 2026-09-10 — verify current details before quoting them, since providers change these without notice.