In short: Zoho Invoice is a free, capable invoicing app and QuickBooks Online is full accounting software for businesses with an accountant. ENB sits in between: invoices, quotes, receipts and credit notes with TIN and VAT, plus a simple cashbook, bank statement import and plain-English reports, and it also does email and SMS marketing to the same customers. Choose QuickBooks for full double-entry accounting and payroll; choose ENB if you want invoicing, simple books and marketing in one naira-priced app.
At a glance
| ENB | Zoho Invoice | QuickBooks Online | |
|---|---|---|---|
| Invoices, quotes, receipts | Yes | Yes | Yes |
| Credit notes | Yes | Yes | Yes |
| TIN and VAT on invoices | Yes, your rate (7.5% for most VAT-registered businesses) | Yes, configurable taxes | Yes, configurable taxes |
| Payment reminders | Automatic, by email | Yes | Yes |
| Share on WhatsApp | Yes (paid plans) | Check provider | Check provider |
| Bookkeeping | Simple cashbook, bank import, P&L, owed/owing | Expenses only; full books in Zoho Books | Full double-entry accounting |
| Email and SMS marketing to customers | Yes, built in | No (Zoho Campaigns is separate) | No (Mailchimp is separate) |
| Pricing | Free plan; paid plans in naira | Free | Paid monthly subscription |
| Best for | Owner-run Nigerian SMEs | Invoicing only | Businesses with an accountant |
Competitor details checked on 2026-10-09 from zoho.com/invoice and quickbooks.intuit.com. Features and prices change; check the source.
Where Zoho Invoice or QuickBooks is better
- QuickBooks Online if you need a full chart of accounts, journals, balance sheet, payroll, inventory or an accountant who works in QuickBooks daily.
- Zoho Invoice if you only need invoicing and want online card payment gateways and a client portal, or you already use other Zoho apps.
Where ENB is better
- One app for getting customers and getting paid. The same contact gets your offers by email or SMS and your invoices, and segments can target people who bought recently or owe you.
- Nigerian bank statements. Upload the CSV or Excel statement from your bank app and lines are sorted into categories, with Nigerian debit/credit layouts and day-first dates understood.
- Plain English for owners, not accountants: money in, money out, who owes you, what you owe, profit.
- Local support and naira pricing.
Many businesses use ENB day to day and send their accountant the CSV exports at year end.
Last checked 2026-10-09. Product names are trademarks of their owners. Competitor details come from their public websites on that date and can change; check each provider before you decide. Spotted something out of date? Email info@enbtechnologies.com and we'll correct it.
Frequently asked questions
Is Zoho Invoice free?
Zoho offers Zoho Invoice free; check zoho.com/invoice for current terms.
Does ENB replace QuickBooks?
For many owner-run small businesses, yes for daily invoicing and books. If you need full double-entry accounting, payroll or inventory, QuickBooks or similar accounting software is the better fit.
Can I put VAT at 7.5% on invoices in ENB?
Yes. Set your tax name and rate in invoice settings; VAT is shown as its own line after discounts.