ZB
Zoho Books
Cloud accounting software from Zoho with GST-ready invoicing, expenses, banking, and reporting for Indian SMBs.
- Starts at
- ₹749/mo
- Sources
- 2 cited
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Finance & Money / Finance & AccountingMade in India✓ Verified Finance & Money / Finance & AccountingMade in India✓ Verified Online payment gateways and billing toolsMade in India✓ Verified Online payment gateways and billing toolsMade in India✓ Verified 
Online payment gateways and billing toolsMade in India✓ Verified Finance & Money / Business Banking & LendingMade in India✓ Verified Finance & Money / Finance & AccountingMade in India✓ Verified Online payment gateways and billing toolsMade in India✓ Verified Finance & Money / Business Banking & LendingMade in India✓ Verified Online payment gateways and billing toolsMade in India✓ Verified Finance & Money / Expense ManagementMade in India✓ Verified Finance & Money / Expense ManagementMade in India✓ Verified Finance & Money / Business Banking & LendingMade in India✓ Verified Finance & Money / Expense ManagementMade in India✓ Verified Finance & Money / Finance & AccountingMade in India✓ Verified Finance & Money / Business Banking & LendingMade in India✓ Verified Online payment gateways and billing toolsMade in India✓ Verified Finance & Money / Business Banking & LendingMade in India✓ Verified Finance & Money / Business Banking & LendingMade in India✓ Verified Finance & Money / Finance & AccountingMade in India✓ Verified Finance & Money / Business Banking & LendingMade in IndiaCurated Finance & Money / Finance & AccountingMade in IndiaCurated Finance & Money / Business Banking & LendingMade in IndiaCurated Finance & Money / Finance & AccountingMade in IndiaCurated Finance & Money / Expense ManagementMade in India✓ Verified Online payment gateways and billing tools✓ Verified Finance & Money / Expense Management✓ Verified Finance & Money / Expense Management✓ Verified
FindThatSoftwareSoftware catalog
Back to categoriesFinance & Money software for Indian businesses
Accounting, payments, expenses, and business banking for Indian businesses.
Category status
- Apps in scope
- 35
- Level
- Area
- Subcategories
- 4
Quick answer
Zoho Books is the strongest overall fit we list for Finance & Money, best suited for Indian SMBs wanting cloud-based GST accounting.
Instamojo is the main alternative, stronger when you need freelancers and creators collecting payments.
Every option below lists its pricing caveats and a last-verified date, so you can confirm the details before you buy.
Compare
Finance & Money tools at a glance
| Tool | Best for | Starts at | Free option | Data status |
|---|---|---|---|---|
| Zoho Books | Indian SMBs wanting cloud-based GST accounting | ₹749/mo | Free plan | Source checked 29 Jul 2026 |
| Instamojo | Freelancers and creators collecting payments | ₹417/mo | Free plan | Source checked 29 Jul 2026 |
| Zoho Expense | Indian SMBs automating expense reports | ₹79/user/mo | Free plan | Source checked 29 Jul 2026 |
| BUSY Accounting | Indian traders and distributors | ₹417/mo | Free plan | Source checked 29 Jul 2026 |
| Refrens | Indian freelancers and agencies needing GST invoices and quotations | ₹688/user/mo | Free plan | Source checked 29 Jul 2026 |
| Vyapar | Indian shopkeepers and small traders | ₹285/mo | Free plan | Source checked 29 Jul 2026 |
31 of 35 tools here are source-checked against vendor pages. The rest are curated listings pending review, so verify their details before deciding.
Subcategories
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Explore by need
The catalog
All 35 Finance & Money tools
I
Instamojo
India-first payments and online-store platform for small businesses, freelancers and creators.
- Starts at
- ₹417/mo
- Sources
- 2 cited
ZE
Zoho Expense
Travel and expense management from Zoho with receipt scanning, approvals, and reimbursements.
- Starts at
- ₹79/user/mo
- Sources
- 2 cited
BA
BUSY Accounting
Indian business accounting software with GST, inventory, and billing, popular with SMBs, traders, and distributors.
- Starts at
- ₹417/mo
- Sources
- 7 cited
R
Refrens
India-first billing, invoicing, and accounting software with a genuinely free tier, popular with freelancers, agencies, and SMBs.
- Starts at
- ₹688/user/mo
- Sources
- 2 cited
V
Vyapar
Indian billing, invoicing, and accounting app for small businesses and shopkeepers, with GST and inventory.
- Starts at
- ₹285/mo
- Sources
- 2 cited
Cashfree Payments
India-first, RBI-licensed payment gateway and payouts platform supporting UPI, cards, net banking, and cross-border payments.
- Starts at
- Freemium
- Sources
- 6 cited
C(
Clear (ClearTax)
Indian platform for GST filing, e-invoicing, e-way bills, and income-tax compliance for businesses and professionals.
- Starts at
- Custom
- Sources
- 2 cited
K
Khatabook
Free mobile digital-ledger (bahi-khata) app for Indian micro and small businesses to track credit, payments, and daily transactions.
- Starts at
- Freemium
- Sources
- 3 cited
PP
Paytm Payment Gateway
Paytm's all-in-one payment gateway for UPI, cards, net banking, wallets, and EMI, with category-based transaction pricing.
- Starts at
- Paid / usage-based
- Sources
- 2 cited
Razorpay
India-first payment gateway for accepting online payments, UPI, payment links, and subscriptions.
- Starts at
- Paid / usage-based
- Sources
- 3 cited
E
Easebuzz
Developer-friendly Indian payment gateway and collections platform supporting UPI, cards, EMI, wallets, and net banking with T+1 settlement.
- Starts at
- Paid / usage-based
- Sources
- 2 cited
F
FlexiLoans
Indian digital lending platform providing collateral-free business loans to SMBs.
- Starts at
- Custom
- Sources
- 2 cited
M
myBillBook
GST billing and accounting software for Indian small businesses, with invoicing, inventory, and payment tracking.
- Starts at
- ₹291/mo
- Sources
- 2 cited
P
PayU
Indian payment gateway for online businesses, accepting cards, UPI, netbanking, wallets and EMI.
- Starts at
- Paid / usage-based
- Sources
- 2 cited
V
Velocity
Indian revenue-based financing platform funding D2C and e-commerce growth without equity.
- Starts at
- Custom
- Sources
- 2 cited
C
CCAvenue
One of India's oldest payment gateways, supporting many payment options and multi-currency.
- Starts at
- Paid / usage-based
- Sources
- 2 cited
E
EnKash
India-first spend-management platform combining corporate cards, expense management, payables, and rewards on one stack.
- Starts at
- Custom
- Sources
- 2 cited
H
Happay
Indian expense-management and corporate-card platform for business spend.
- Starts at
- Custom
- Sources
- 2 cited
I
Indifi
Indian platform offering business loans built for SMB segments like restaurants, travel, and retail.
- Starts at
- Custom
- Sources
- 2 cited
K
Kodo
Indian corporate-card and spend-management platform for businesses.
- Starts at
- Custom
- Sources
- 2 cited
ME
Marg ERP 9+
Long-established India-built accounting, inventory, billing, and GST ERP, widely used by distributors, retailers, and pharma.
- Starts at
- ₹8,100 one-time
- Sources
- 2 cited
O
Open
Indian connected-banking platform unifying banking, payments, and accounting for SMBs.
- Starts at
- Custom
- Sources
- 2 cited
PP
PhonePe Payment Gateway
Payment gateway from PhonePe to accept UPI, cards, net banking, and wallets online, with strong UPI reach and recurring payments.
- Starts at
- Paid / usage-based
- Sources
- 2 cited
R
RazorpayX
Business banking and payouts platform from Razorpay for Indian companies.
- Starts at
- ₹825/mo
- Sources
- 2 cited
RC
Recur Club
Indian debt-financing marketplace giving startups and SMBs non-dilutive growth capital.
- Starts at
- Custom
- Sources
- 2 cited
T
TallyPrime
India's most widely used accounting and GST software for small and mid-sized businesses, covering bookkeeping, invoicing, inventory, and compliance.
- Starts at
- ₹675/mo
- Sources
- 2 cited
CP
Cashfree Payouts
India-first bulk payouts platform to disburse money instantly to bank accounts, UPI, wallets and cards via API or Excel.
- Starts at
- Custom
- Sources
- 2 cited
G
GSTHero
India GST return filing, ITC reconciliation, e-invoicing and e-way bill software with Tally and SAP connectors.
- Starts at
- Custom
- Sources
- 2 cited
L
Lendingkart
Indian digital lender providing working-capital and business loans to SMBs.
- Starts at
- Custom
- Sources
- 2 cited
MI
Masters India autoTax (GST Software)
GST return filing and reconciliation software from a GSTN-appointed GST Suvidha Provider, covering GSTR-1, 3B, 6, 9, 9C and 2B.
- Starts at
- Custom
- Sources
- 2 cited
SE
Sage Expense Management (formerly Fyle)
Expense-management software (formerly Fyle, now part of Sage) with real-time corporate card feeds, receipt OCR, and two-way accounting integrations.
- Starts at
- $11.99/user/mo
- Sources
- 2 cited
S
Stripe
Developer-first global payments platform with APIs for online payments, billing and subscriptions.
- Starts at
- Paid / usage-based
- Sources
- 2 cited
V
Volopay
Corporate cards and spend-management platform for growing businesses.
- Starts at
- Custom
- Sources
- 2 cited
SC
SAP Concur
Enterprise-grade travel, expense, and invoice management platform with deep ERP integration and global compliance.
- Starts at
- Custom
- Sources
- 2 cited
Compare alternatives
Finance & Money alternatives, tool by tool
Already using one of these? See the practical, source-backed alternatives weighed for India-first buyers.
FlexiLoans alternativesSage Expense Management (formerly Fyle) alternativesCashfree Payouts alternativesStripe alternativesEnKash alternativesVolopay alternativesHappay alternativesIndifi alternativesKodo alternativesLendingkart alternativesMasters India autoTax (GST Software) alternativesGSTHero alternatives
Questions
Finance & Money software FAQ
What is the best Finance & Money software for Indian businesses?
Zoho Books is the strongest overall fit we list for Finance & Money, best suited for Indian SMBs wanting cloud-based GST accounting. Instamojo is the main alternative, stronger when you need freelancers and creators collecting payments. Every option below lists its pricing caveats and a last-verified date, so you can confirm the details before you buy.
How much does Finance & Money software cost?
Paid plans start around ₹79/user/mo, though final pricing depends on team size and add-ons. 9 of 35 tools offer a free plan you can start on. Always confirm current pricing on the vendor site before buying.
Which Finance & Money tools offer a free plan or trial?
Zoho Books, Instamojo, Zoho Expense, BUSY Accounting, Refrens, and Vyapar offer a free plan or trial, so you can test the workflow before committing budget.
How does FindThatSoftware rank Finance & Money tools?
31 of 35 tools here are source-checked against vendor pages. The rest are curated listings pending review, so verify their details before deciding. We rank tools by fit to this category and India-operational signals (India-based vendor, GST invoicing, INR billing, verified data); placement is never for sale.