Compare · Accounting and invoicing

SME AI Office vs Zoho Invoice

Zoho Invoice is free invoicing software. SME AI Office is invoicing with a free PayNow QR, plus accounting, GST, payroll and the tools you sell with.

Prices checked 30 September 2026

The short answer

Choose Zoho Invoice if you only need invoices and send more than 10 a month: it is free for up to 500 invoices a year and two users, and it takes cards and PayNow through Stripe.

Choose SME AI Office if you want a PayNow QR on every invoice without a payment provider, and your invoices feeding your P&L, GST F5 and payroll. It is free for 10 invoices a month; Pro 365 is S$365 a year for unlimited invoices and the full back office.

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Side by side

SME AI Office and Zoho Invoice compared for a Singapore business, 30 September 2026
SME AI OfficeZoho Invoice
Price Free plan S$0. Pro 365 S$39 a month or S$365 a year Free. S$0 for Singapore businesses
Free plan Yes, for good. 10 invoices a month, your P&L, no card Free plan: up to 500 invoices a year, 2 users, 3 projects
PayNow Free PayNow QR for the exact amount on every invoice, no provider needed PayNow QR through a connected Stripe accountStripe charges its own fee
Card payments Your own Stripe: 0.5% on Free, none on Pro 365, plus Stripe's fee Stripe, PayPal, Braintree or Verifone
Branding Small smeaio.com mark on Free, none on Pro 365 "Powered by Zoho Invoice" branding included
Quotes and repeat invoices Quotes accepted online, repeat invoices, reminders, customer page Quotes, recurring invoices, reminders and a customer portal
GST F5 Filled in from your records on Pro 365. You file it In Zoho Books, a separate product
Payroll and CPF Built in on Pro 365: CPF, bank file, IR8A Zoho Payroll is listed for the USA, UAE and India
Inactive accounts No time limit on the Free plan Data deleted after 180 days inactive, with notice first

Which one fits

SME AI Office fits when

  • You want customers to pay by PayNow QR with no payment provider and no fee.
  • You want invoices to post to your P&L and GST F5 by themselves.
  • You also need payroll with CPF, bookings, an online shop or a POS in the same place.

Zoho Invoice fits when

  • You send more than 10 invoices a month and want to stay on a free plan.
  • You only need invoicing, with time tracking and projects.
  • You already use other Zoho apps.

Your P&L and 10 invoices a month are free. Everything else is Pro 365, S$365 a year.

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Questions

Is SME AI Office cheaper than Zoho Invoice in Singapore?

Both start free. Zoho Invoice is free for up to 500 invoices a year and two users. SME AI Office is free for 10 invoices a month with a PayNow QR on each, and Pro 365 at S$365 a year adds unlimited invoices, GST F5, payroll with CPF and the rest of the back office.

Can customers pay a Zoho Invoice invoice by PayNow?

Yes, through a connected Stripe account, which charges its own fee. SME AI Office puts a PayNow QR for the exact amount on every invoice with no payment provider, free on every plan, and the money goes straight to your bank.

Does Zoho Invoice do GST F5 and payroll in Singapore?

GST F5 returns are in Zoho Books, a separate Zoho product. Zoho's Singapore help says Zoho Payroll is available in the USA, UAE and India. SME AI Office fills in your GST F5 and runs payroll with CPF on Pro 365.

What is a Singapore alternative to Zoho Invoice?

SME AI Office is built in Singapore for Singapore businesses: a PayNow QR on every invoice, GST per line, and invoices that post to your P&L. It is free for 10 invoices a month, and Pro 365 is S$365 a year.

Can I move from Zoho Invoice to SME AI Office?

Yes. Export your customers and invoices from Zoho Invoice, then WhatsApp us on +65 9613 7676 and we help you move it over. Contacts can also be imported from CSV.

Zoho Invoice facts are from zoho.com/en-sg/invoice/pricing, zoho.com/en-sg/invoice/kb/general/zoho-invoice-free, zoho.com/en-sg/invoice/help/online-payments/stripe, zoho.com/en-sg/books/kb/general/payroll, zoho.com/en-sg/books/help/gst/f5-return, checked on 30 September 2026. Prices are as shown there. Zoho Invoice is a trademark of Zoho Corporation Private Limited. SME AI Office is not connected with Zoho Invoice.

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