Zoho is a large suite of separate products. For a small business that usually means a CRM subscription, an accounting and invoicing subscription and a payroll subscription, each with its own plan, users and settings. FINTY takes the opposite approach: one product and one login for leads, WhatsApp conversations, GST invoices and payroll.
Side by side
- Structure. Zoho: separate apps you connect. FINTY: one app, one customer record shared by CRM, WhatsApp and billing.
- Pricing model. Zoho: priced per app and per user, so the total depends on which apps you add. FINTY: one flat plan by team size, full product included (see pricing).
- WhatsApp. FINTY includes a shared WhatsApp team inbox on your own number, and incoming chats become leads automatically. In Zoho, WhatsApp is an add-on integration.
- Payroll. FINTY includes payroll with PF and ESI for Indian teams on every paid plan.
- Depth. Zoho goes deeper on accounting and has a large marketplace. FINTY is intentionally lighter.
Who should pick which
Pick Zoho if you need full accounting depth, multiple entities or you already live in its ecosystem. Pick FINTY if you are a clinic, agency, consultancy or shop of 1 to 30 people and want leads, WhatsApp, invoices and payroll working together without stitching apps. Start on the free plan and see if it fits. Competitor features and prices change, so confirm current details on their sites.