SnapPaid vs Zoho Invoice
Zoho Invoice is free in the US for up to 500 invoices a year, with "Powered by Zoho Invoice" branding on invoices. Zoho takes no fee on online payments, but the payment gateway does, such as 2.90% + 30¢ per card payment through Zoho Payments. SnapPaid is an invoice app for one-person home-service workers that costs $9.99 a month after 3 free invoices, takes 0% of your pay, and lets clients pay you directly in Venmo, Cash App, PayPal or Zelle, with sealed photo or video proof of the job on the bill.
Comparison table
Prices and fees checked October 2026.
| SnapPaid | Zoho Invoice | |
|---|---|---|
| Price to start | First 3 invoices free | Free: up to 500 invoices a year, up to two users, "Powered by Zoho Invoice" branding |
| Paid plan | Unlimited: $9.99 a month, $44.99 for 6 months, or $69.99 a year | Free on their US pricing page. The App Store lists in-app plans from $6.99 a month |
| Fee on your payments | 0%. SnapPaid adds no processing fee | No Zoho fee. The gateway charges its own. Zoho Payments: card 2.90% + 30¢, bank (ACH) 0.80% capped at $5 |
| How clients pay | Venmo, Cash App, PayPal or Zelle, in the client's own app. No card payments | Through gateways: Zoho Payments, Authorize.net, CSG Forte, Stripe, Square, Braintree, PayPal, Verifone |
| Photo proof on the bill | Sealed photo or video proof, stamped with the time and date, plus the place when location is on | Up to 3 attachments per invoice, 5 MB each |
| Payment reminders | One-tap Nudge | Automatic payment reminders |
| Repeat billing | Bill again | Recurring invoices |
| Estimates | No | Yes (quotes) |
| Made for | One-person home-service workers | Invoicing, with up to two users on the free plan |
Who Zoho Invoice fits
- Workers who want a free invoice tool and send up to 500 invoices a year.
- Workers who want clients to pay by card or bank through a gateway such as Zoho Payments, Stripe or PayPal.
- Workers who want quotes, recurring invoices and automatic reminders.
Who SnapPaid fits
- One-person home-service workers whose clients pay in Venmo, Cash App, PayPal or Zelle.
- Workers who want 0% taken from each payment by the invoice app.
- Workers who want time-stamped photo or video proof of the job on the bill.
Worked example: a $60 tutoring session
A solo tutor bills a family $60 for one session.
Zoho Invoice, family pays by card through Zoho Payments: Zoho's own fee is $0. Zoho Payments charges 2.90% of $60 = $1.74, plus $0.30 = $2.04 in fees. The tutor receives $57.96.
Zoho Invoice, family pays by bank (ACH) through Zoho Payments: 0.80% of $60 = $0.48 in fees.
SnapPaid, family pays in Venmo, Cash App, PayPal or Zelle: 0% of $60 = $0 taken by SnapPaid. SnapPaid adds no processing fee. Any fee set by the payment app itself is separate.
Invoice limits. A tutor with 10 weekly sessions sends about 520 bills a year. That is more than Zoho Invoice's free limit of 500 invoices a year. SnapPaid Unlimited has no invoice limit for $69.99 a year.
FAQ
Is Zoho Invoice free?
Yes, in the US. The free plan allows up to 500 invoices a year and up to two users, with "Powered by Zoho Invoice" branding on invoices.
Does Zoho Invoice charge a fee on payments?
Zoho does not charge a fee for receiving online payments, but the payment gateway may. Zoho Payments charges 2.90% + 30¢ per domestic card payment and 0.80% per ACH payment, capped at $5.
Can clients pay a Zoho invoice with PayPal?
Yes, if PayPal is set up as a payment gateway. PayPal is one of the gateways Zoho Invoice lists.
Does SnapPaid take a percentage of my pay?
No. SnapPaid takes 0% and adds no processing fee. The client pays you directly in Venmo, Cash App, PayPal or Zelle.
Does SnapPaid work on phones?
Yes. SnapPaid works on iPhone and Android. The client needs no app and no account; they get one text with a link.
Does SnapPaid have quotes or recurring invoices like Zoho Invoice?
No. SnapPaid does one bill per visit. To bill the same client again, you tap Bill again.
Last checked: October 2026.