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ZipBooks
ZipBooks · Utah, USA · founded 2015
What it is
ZipBooks is accounting software for small businesses, with invoicing, bookkeeping, reporting, and business intelligence. Users can send invoices and estimates, accept card payments, set recurring auto-billing, and automate payment reminders. Accounting tools include bank connections, reconciliation, transaction categorization, and financial reports. ZipBooks says it can automatically import transactions from thousands of financial institutions, including many top banks in the U.S. and Canada. Users can track project and task time in a browser or iOS app and add time entries to invoices. The product lists Gusto integration and digital payments through Square or PayPal; time entries can sync with Gusto for payroll, and payroll transaction details are recorded in ZipBooks. Team permissions can be set for invoicing, accounting, reporting, and time tracking. ZipBooks offers web, Android, and iOS access, including a native mobile app for invoicing, payments, receipts, and expense categorization.
For and against
For
- Free plan and free trial are available.
- Supports recurring invoices and payment reminders.
- Imports transactions from thousands of financial institutions.
- Time entries can be added to invoices.
- Team permissions cover several work areas.
Against
- Two-factor authentication requires contacting support to enable.
The verdict
ZipBooks combines invoicing, accounting, time tracking, and mobile access for small businesses. Its free plan is available, while buyers considering other named plans will need to check pricing separately.
Who it suits
ZipBooks suits small businesses looking to manage invoices, bookkeeping, and financial reporting in one product. Its time tracking and team permissions may also suit businesses that need to connect project work with invoices and control staff access.
Plans and prices
Starter
unlimited invoices · unlimited vendors and customers · Square or PayPal payments · basic reports
Read 15 Oct 2026 · zipbooks.com
Smarter
Starter features · recurring auto-bill invoices · automated reminders · multiple bank accounts
Read 15 Oct 2026 · zipbooks.com
Sophisticated
Smarter features · smart tagging · account reconciliation · locked books
Read 15 Oct 2026 · zipbooks.com
Accountant
client-account time tracking · financial-package export · firm cobranding · bulk transaction editing
Read 15 Oct 2026 · zipbooks.com
On the record
- Accounting
- The accounting tools provide bank reconciliation, reports, automatic categorization and color-coded transaction views.zipbooks.com · read 15 Oct 2026
- Account protection
- Two-factor authentication is available by contacting ZipBooks support to enable it.zipbooks.com · read 8 Oct 2026
- API
- The public API uses JSON API responses, JWT authentication and documented contacts, estimates and invoice endpoints under api.zipbooks.com/v2.developer.zipbooks.com · read 15 Oct 2026
- API documentation status
- ZipBooks warns that its API documentation can become outdated and that future API changes may be incompatible.developer.zipbooks.com · read 15 Oct 2026
- Bank connection
- Bank and credit-card connections import transactions daily to support bookkeeping and reconciliation.zipbooks.com · read 15 Oct 2026
- Bank connections
- ZipBooks says it supports automatic transaction imports from thousands of financial institutions, including many top banks in the U.S. and Canada.zipbooks.com · read 8 Oct 2026
- Business intelligence
- ZipBooks says its data-driven insights help users get paid faster, retain customers and compare performance with competitors.zipbooks.com · read 15 Oct 2026
- Company
- ZipBooks says its mission is to provide tools and intelligence to help small businesses succeed and that it is made in Utah, USA.zipbooks.com · read 8 Oct 2026
- Company legal name
- Crunchbase identifies the legal entity as Phlo, Inc.crunchbase.com · read 15 Oct 2026
- Company location and founding
- Crunchbase places ZipBooks in American Fork, Utah, while LinkedIn lists the company as founded in 2015.crunchbase.com · read 15 Oct 2026
- Company size
- LinkedIn lists ZipBooks as a privately held financial-services company with 11–50 employees.linkedin.com · read 15 Oct 2026
- Documentation
- The help center covers invoices, transactions, reports, contacts, tracking, accountant workflows, account settings and FAQs.help.zipbooks.com · read 15 Oct 2026
- Gusto integration
- ZipBooks says time entries can sync with Gusto for payroll and payroll transaction details are recorded in ZipBooks.zipbooks.com · read 8 Oct 2026
- Integrations
- Official pricing names Gusto integration, while the product accepts payments through Square or PayPal; reviewers also mention Stripe, Google Drive and Slack.zipbooks.com · read 15 Oct 2026
- Invoices
- Users can send invoices and estimates, accept card payments, set recurring auto-billing, and automate payment reminders.zipbooks.com · read 8 Oct 2026
- Invoicing
- Users can create invoices and estimates, accept card or PayPal payments, automate recurring billing and send payment reminders.zipbooks.com · read 15 Oct 2026
- Licence
- The terms identify ZipBooks software and site content as company or licensor property and restrict copying, resale and modification, indicating a proprietary licence.zipbooks.com · read 15 Oct 2026
- Limit: customization
- Capterra reviewers mention limited dashboard, invoice branding and recurring-invoice customization, including difficulty with payment terms and part payments.capterra.com · read 15 Oct 2026
